Not all long-term care insurance carriers are the same. Differences in contract language, financial strength, claims handling, and available riders can significantly affect the value of your policy. Here is an overview of the major carriers we represent and what sets each apart.
Why Carrier Selection Matters
Long-term care insurance is a long-term commitment — you may hold a policy for 20, 30, or even 40 years before filing a claim. The carrier’s financial stability, claims reputation, and product design all matter enormously. Because we are an independent brokerage, we represent multiple carriers and can match you with the right company based on your age, health, state, and coverage goals.
Mutual of Omaha
AM Best: A+ (Superior)
One of the most competitive LTC carriers in the market. Mutual of Omaha offers strong policy language, competitive pricing, and a solid track record in the long-term care space. Their MutualCare Solutions product is well regarded for flexibility and value, including Partnership-qualified options in most states.
National Guardian Life (NGL)
AM Best: A (Excellent)
NGL has been a standout in the traditional LTC market since 2016. In February 2026 they launched their second-generation product, HonestLTC, featuring monthly benefits, calendar-day elimination periods, and expanded inflation options (including 1%, 2%, 3%, 4%, and 5% compound). Currently available in 34 states, with additional states pending approval. A strong choice for buyers seeking a straightforward, competitively priced traditional LTC policy.
Brighthouse Financial
AM Best: A (Excellent)
Brighthouse (formerly MetLife) offers hybrid life/LTC products that combine a death benefit with long-term care coverage. Hybrid policies provide premium stability — your premiums are guaranteed never to increase — and return of premium features if care is never needed.
Lincoln Financial
AM Best: A+ (Superior)
A leading provider of hybrid life/LTC solutions. Lincoln’s MoneyGuard product is one of the most popular hybrid LTC policies in the country, offering guaranteed premiums, a death benefit, and substantial long-term care coverage. Particularly attractive for buyers concerned about traditional LTC premium increases.
Nationwide
AM Best: A+ (Superior)
Nationwide offers hybrid annuity/LTC products that allow you to reposition existing assets (such as a CD or savings account) into a single-premium annuity that provides LTC benefits when needed. An excellent option for buyers who prefer not to pay ongoing traditional premiums.
OneAmerica
AM Best: A+ (Superior)
OneAmerica’s Asset-Care product is one of the longest-standing hybrid life/LTC policies on the market. It offers unlimited LTC benefits with a single premium or limited-pay structure, making it especially valuable for buyers who want guaranteed lifetime coverage without the risk of traditional LTC premium increases.
Traditional vs. Hybrid LTC Policies
| Feature | Traditional LTC | Hybrid Life/LTC |
|---|---|---|
| Premium Stability | Rates can increase | Premiums guaranteed |
| If Care Never Needed | Premiums not returned | Death benefit paid |
| LTC Benefit Amount | Often higher per dollar | Moderate |
| Inflation Protection | Strong options available | Varies by product |
| Partnership Qualified | Often available | Varies by state/product |
Compare LTC Carriers Side by Side
As an independent brokerage, we shop all carriers on your behalf. Call 1-888-972-0024 or request a free quote to see options tailored to your age, health, and state.