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Top 10 Best Long Term Care Insurance Companies

Fact Checked by Jason Herring & Barry Brooksby
Licensed Agents & Life Insurance Experts.
Insurance and Estates, a strategic life insurance provider composed of life insurance professionals, is committed to integrity in our editorial standards and transparency in how we receive compensation from our insurance partners.
best long term care insurance

Our article dives deep into the realm of long-term care insurance, aiming to connect you with the right company and arm you with the knowledge to make an informed choice. If you’re contemplating long-term care insurance and seeking expert guidance, we invite you to reach out for a complimentary strategy session with our seasoned life insurance professionals. We’ll analyze your specific situation and guide you through your options, ensuring you’re well-informed every step of the way. Don’t wait to secure your future; contact us today and take the first step towards peace of mind with I&E.

Table of Contents:

Key Takeaways

  1. Diverse Insurance Options: There’s a wide array of long-term care insurance policies available, including traditional stand-alone policies and hybrid options that combine life insurance with long-term care benefits. Understanding the differences and choosing the right one is crucial.
  2. Importance of Professional Guidance: The process of selecting the right long-term care insurance can be overwhelming due to the various options and details involved. Seeking professional guidance can simplify this process, providing clarity and confidence in your decisions.
  3. Tax Considerations: Traditional long-term care insurance premiums may qualify for tax deductions, providing potential financial benefits beyond the insurance coverage itself.
  4. Fixed Premiums in Hybrid Policies: Hybrid policies offer the security of fixed premiums, protecting against unexpected increases that can impact your budget, especially during retirement.
  5. Comprehensive Coverage: Long-term care insurance covers a range of services including in-home care, assisted living, adult day care, and more, ensuring a wide safety net for various care needs.
  6. Rising Cost of Care: The cost of long-term care services is significantly increasing, making long-term care insurance an essential component of financial planning for many individuals.

Schedule a consultation with our LTC expert

Top Long Term Care Insurance Providers


LTCi CompaniesCompany Ratings (as of November 2017)Type of LTCi
AXAA.M. Best rating: A
S&P rating: A+
Fitch rating: A+
Moody's rating: A1
LTC Services rider
GenworthA.M. Best rating: B
S&P rating: B+
Fitch rating: BB
Moody's rating: B2
Pure LTCi
GuardianA.M. Best rating: A++
S&P rating: AA+
Fitch rating: AA+
Moody's rating: Aa2
LTC rider
Lincoln NationalA.M. Best rating: A+
S&P rating: AA-
Fitch rating: A+
Moody's rating: A1
Hybrid LTCi
A.M. Best rating: A++
S&P rating: AA+
Fitch rating: AA+
Moody's rating: Aa2
LTCi Rider
Pure LTCi
Minnesota Life
A.M. Best rating: A+
S&P rating: A+
Fitch rating: AA
Moody's rating: Aa3
Hybrid LTCi
Mutual of OmahaA.M. Best rating: A+
S&P rating: AA-
Fitch rating: NR
Moody's rating: A1
Pure LTCi
NationwideA.M. Best rating: A+
S&P rating: A+
Fitch rating: NR
Moody's rating: A1
LTC rider
OneAmericaA.M. Best rating: A+
S&P rating: AA-
Fitch rating: NR
Moody's rating: NR
Hybrid LTCi
Pacific LifeA.M. Best rating: A+
S&P rating: AA-
Fitch rating: A+
Moody's rating: A1
Hybrid LTCi

The Best Long Term Care Insurance

[What to Look For In LTC insurance]

The best long term care insurance company and policy will be the one that offers the most features and flexibility, while providing an affordable premium. When looking for the most affordable coverage from among the different long term care insurance companies and policies, it is important to know your options. The following list of long term care companies will help equip you to make the best decision for you, based on your individual goals and objectives.

Stand Alone Long Term Care Insurance vs Asset Based Long Term Care

The following best long-term care companies offer either pure long term care insurance or hybrid asset based long-term care insurance. There are long term care pros and cons of each.


  1. Coverage Scope: Both traditional and hybrid long-term life insurance policies cover a range of long-term care services, including in-home care, assisted living, and nursing home care.
  2. Customization: Both types of policies offer various options for customization, such as benefit periods, elimination periods, and inflation protection, allowing policyholders to tailor their coverage to their specific needs.
  3. Eligibility for Benefits: For both traditional and hybrid policies, the eligibility for long-term care benefits typically requires the insured to be unable to perform a certain number of Activities of Daily Living (ADLs) or have a cognitive impairment.
  4. Inflation Protection: Both traditional and hybrid policies may offer inflation protection options to ensure that benefits keep pace with the rising cost of long-term care services over time.


  1. Premium Stability: Hybrid policies typically offer fixed premiums, meaning the cost won’t unexpectedly increase over time. In contrast, traditional long-term care insurance premiums can potentially increase if the insurer raises rates for the policy class.
  2. Policy Structure: Traditional long-term care insurance is a stand-alone policy focused solely on long-term care benefits. Hybrid long term care life insurance policies combine life insurance with long-term care benefits, offering a death benefit alongside long-term care coverage.
  3. Benefit Utilization: With hybrid long term care policies, if long-term care benefits are not fully used, the remaining value can be passed on as a death benefit to beneficiaries. Traditional long-term care policies do not usually offer a death benefit; the focus is solely on covering long-term care costs.
  4. Tax Treatment: Premiums for traditional long-term care insurance may qualify for tax deductions under certain conditions. Hybrid policy premiums, being part life insurance, do not typically qualify for the same tax deductions.

For more on the different living benefit options available, please visit our article covering long-term care riders vs chronic illness riders, where we go more in depth of the advantages and disadvantages of life insurance with living benefits.


Long Term Care Insurance Pros & Cons


  1. Customization and Flexibility: Pure long-term care insurance policies offer a high degree of customization and flexibility, allowing policyholders to tailor their coverage to their specific needs.
  2. Tax Benefits: Traditional long-term care insurance premiums may qualify for tax deductions, potentially reducing the overall cost of the insurance.
  3. Asset Protection: Long-term care insurance helps protect your assets by covering the costs of care services, which can be significant, thus preserving your savings and assets for your heirs.
  4. Comprehensive Coverage: These policies cover a wide range of services including in-home care, assisted living facilities, and nursing home care, providing a broad safety net.
  5. Fixed Premiums in Hybrid Policies: Hybrid long-term care insurance policies have fixed premiums, offering financial predictability and protection from premium increases.


  1. Cost: Long-term care insurance can be expensive, particularly for older individuals or those with existing health conditions, potentially making it cost-prohibitive for some.
  2. Premium Increases: Stand-alone long-term care insurance policies may have variable premiums that can increase over time, potentially becoming unaffordable.
  3. Use-It or Lose-It: Traditional long-term care insurance policies may have a “use-it or lose-it” nature, meaning if you don’t use the benefits, you don’t get back the premiums you paid.
  4. Complexity: Choosing the right long-term care insurance policy can be complex due to the many options and features, making it challenging for consumers to navigate without professional assistance.
  5. Eligibility for Benefits: Qualifying for benefits can sometimes be stringent, requiring proof that the insured cannot perform a certain number of Activities of Daily Living (ADLs) or has cognitive impairment.

These are just of few of the benefits and drawbacks. We put together our top 10 long-term care insurance pros and cons article that goes deeper into the benefits of LTCI, as well as the potential disadvantages.

Long Term Care Services Rider

AXA Equitable Life Insurance Company

AXA offers a hybrid long term care policy under the product name Long Term Care Services Rider. The product is available on single life UL and VUL policies for ages 20-75. The policy provides monthly cash indemnity, rather than reimbursement.

Monthly benefit percentages of 1%, 2% or 3% are available. You can choose a fixed death benefit option or an increasing death benefit option. An increasing death benefit may also increase the future maximum long term care insurance benefit. Up to 200% IRS per diem limit available in the first year.

After a long term care insurance benefit claim has been filed, the policy’s elimination period  is 90 days. Claims can be temporary, rather than permanent. Certification that the insured is unable to perform 2 of 6 activities of daily living is required.

For more, please visit our AXA Equitable review.

Guardian’s Long Term Care RiderThe Guardian Life Insurance Company of America

Guardian’s Long Term Care Rider is a combination long term care whole life insurance policy.

The long term care insurance rider allows you to accelerate a portion of the policy’s death benefit to help cover long-term care costs. It is an indemnity policy, so you will receive a cash benefit upfront, rather than reimbursement for expenses.

And since it is dividend paying whole life insurance, dividend payments can further grow the long term care insurance benefit.

Monthly benefits amounts are the lesser of either 2% of the basic LTC pool or 200% of the daily IRS per diem limit ($360 for 2017).

The maximum benefit amount available equals the lesser of 90% of the total death benefit or the policy face amount less $25,000. The long term care insurance benefit period lasts as long as you remain eligible.

For more, please visit our Guardian Life review.

Lincoln MoneyGuard II LTC

Lincoln National Life Insurance Company

Lincoln National offers its hyrbid long term care life insurance under the Lincoln MoneyGuard II product line in all states except NY. In NY, the Company offers MoneyGuard Reserve.

MoneyGuard is a limited pay universal life insurance policy with long-term care reimbursement rider. You can choose flexible premium years 1-10. The long term care insurance rider is available for issue ages 40-79.

The Value Protection Rider provides return of premium upon surrender. So, you have three options with this hyrbid LTC+LIFE policy.

There is a lump sum death benefit if you die; there is a long term care benefit if you need help with LTC services; and there is a return of premium option if you decide to surrender the policy.

Your death benefit that you apply for determines how much long term care insurance benefits you will be eligible to receive under the Long-Term Care Accelerated Benefits Rider – LABR. You can also add the Long Term Care Extension of Benefits Rider (LEBR), which continues benefits once the LABR has run out.

Total benefit period options from 2 years to 7 years.

Each benefits rider also provides either 3% or 5% compound interest growth optional inflation protection rider.

For more, please visit our Lincoln National review.

SignatureCare CareChoice One

Massachusetts Mutual Life Insurance Company

MassMutual SignatureCare provides a stand lone long term care insurance option. SignatureCare allows you to choose from two base policy options: Facility Services Only Plan and Facility Services and Home and Community Based Services plan.

Around 75-80% of people prefer to remain at home, so the second long term care insurance plan is generally the more desired one.

However, a cash indemnity benefit rider is available on the Facility Only Plan that pays you your daily benefit amount no matter your actual expenses.

Therefore, both the pros and cons of each long term care plan need to be weighed to determine which one is best for you.

You can choose lifetime premiums, 10 Pay or 20 Pay limited pay life insurance. Elimination periods of 0 days, 30, 60, 90 or 180 days are available.

An income protection rider is available which will grow your daily benefit amount by either 5% simple interest growth or 5% compound interest growth.

In addition to a stand alone long term care insurance policy, MassMutual CareChoice One offers a single premium whole life insurance policy, combined with a long term care insurance rider.

The policy uses a pool of benefits, initially based on your death benefit, and then it switches over to extended long term care coverage.

Dividends earned as a policyowner can be used to buy paid up additions, which will increase the death benefit, further increasing the long term care insurance benefit pool.

You can further grow the long term care insurance benefit pool by choosing an inflation protection rider, which grows your LTC benefits at a 5% compound rate annually.

For more, please visit our MassMutual review.

new york life long term care insuranceNew York Life

New York Life has 3 different long term care insurance policies.

NYL Essential Care

An affordable traditional long-term care insurance option designed for easy selection of your preferred care type.

NYL Custom Care

A comprehensive traditional long-term care insurance that allows for personalized benefit selection tailored to your needs.

Value Plus Care

A dual-purpose policy that merges long-term care insurance with life insurance, offering both a cash value component and a death benefit should long-term care not be required.

New York Life’s hybrid policy provides the option of long-term care coverage for you or a death benefit for your beneficiaries, with the possibility of a residual benefit to your loved ones even after long-term care expenses are utilized.

Should you opt to terminate your long term care life insurance policy, you’re eligible for either a partial, graduated, or complete refund of your premiums, provided all premiums are paid and no claims have been made.

For more, please visit our New York Life review.

SecureCare long term care life insurance

Minnesota Life Insurance Company

Minnesota Life provides a hybrid long term care life insurance policy under its SecureCare product line.

SecureCare is a cash indemnity long term care insurance policy, so there is no need to apply for reimbursements.

The product is a single premium universal life insurance policy that provides death benefit protection, long-term care coverage and return of premium.

The income benefit period maximum is 3 years, with an additional extended long-term care benefits option that lasts up to 4 years.

An income protection rider is also available offering 3% simple, 5% simple or 5% compound interest growth.

For more, please visit our Minnesota Life review.

Mutual's Secure Solution and Custom Solution

Mutual of Omaha Insurance Company

Mutual of Omaha offers two stand alone long-term care insurance policies in its MutualCare Solutions line: Secure Solution and Custom Solution available for ages 30-79. Both long term care insurance policies include a waiver of premium.

Secure Solution long-term care insurance provides tons of options, including a reimbursement benefit for actual LTC costs and a cash indemnity benefit which pays you a percentage of the policy’s home health care benefit each month, after the elimination period has passed. You can choose from 90, 180 or 365 calendar days.

An additional Inflation Protection Rider allows for 3%, 4% or 5% compound interest growth.

You can also choose 20 year inflation protection of 3% or 5% compound interest growth.

Further, if you run out of benefits and still need care, the Shared Care rider allows you to access the benefits under your spouse’s identical policy.

Custom Solution provides more flexibility than Secure Solution because of it many customization options.

The policy provides a pool of benefits, with 50,000 to $500,000 benefit options in $500 increments. Elimination periods range from  0, 30, 60, 90, 180 or 365 calendar days.

A customizable inflation Income Protection rider is available ranging from 1% to 5% compound interest growth in .25% increments. You can also customize your income protection rider period between a 10, 15, or 20 years or lifetime.

For more, please visit our Mutual of Omaha review.

YourLife CareMatters linked benefit long term care insurance

Nationwide Life Insurance Company

Nationwide’s linked benefit long-term care insurance is marketed under its YourLife CareMatters. The policy is hybrid universal life with a long term care insurance indemnity benefit.

As an asset based policy, it provides cash indemnity for long-term care services and a lump sum life insurance death benefit. Issue ages available from 40-75.

The policy’s premiums are fixed and can be paid as single premium, 5-Pay or 10-Pay.

An inflation protection rider is available at 3% simple growth or 5% compound interest growth.

The policy also provides a guaranteed return of premium upon surrender for the premiums paid, plus any policy growth.

You can use the entire long-term care benefit and your beneficiaries will still receive a guaranteed 20% minimum death benefit.

Your benefit period can range from 2 years, up to a maximum of 7 years.

And benefits can be used to pay a member of your family or a friend to provide you with care under a plan provided and approved by a licensed health care practitioner.

For more, please visit our Nationwide Life Insurance with Long-Term Care rider review.

Asset-Care asset based long term care insurance


Asset-Care from OneAmerica provides payment schedules of single premium, 10 pay, 20 pay or to age 100.

The whole life insurance plus long-term care policy is available for ages 35-80 and provides a guaranteed minimum 4% interest rate, along with a guaranteed death benefit.

The elimination period is 30 days for in home care; all other care requires a 60 day elimination period.

An income protection benefit of 2%, 3%, or 4% is available.

Waiver of premium if your are receiving qualified care.

The policy is non-cancelable (i.e. fixed premiums).

Asset-Care benefits are not excluded if the chronically ill individual has LTC costs due to a mental or nervous disorder.

For more, please visit our OneAmerica review.

PremierCare Choice life insurance long term care rider

Pacific Life Insurance Company

Pacific Life offers life insurance with long term care through its PremierCare Choice line of long term care insurance products.

The policy is hybrid whole life insurance plus long term care insurance combined.

You can choose from the following premium schedules: single pay, 5 Pay, 10 Pay, 15 Pay or 20 Pay.

The policy provides income benefit periods of 2 to 8 years. The base policy includes an Accelerated Benefit Rider (ABR) with a benefit of 2 years.

An optional Extended Benefit Rider (EBR) can extend the benefit an additional 2-6 years.

The elimination period for in-home care is zero days. For care in a facility, the required elimination period is 90 days.

An inflation protection rider is available with 3% or 5% simple inflation growth or 5% compound inflation growth. A spousal discount when both you and your spouse elect long term care insurance coverage.

For more, please visit our Pacific Life review.

Privileged Choice Flex 3Genworth Life Insurance Company

Update: Due to Genworth’s continued financial problems and with various sources around the web stating that the deal with China Oceanwide Holding Co. may not win regulatory approval, we do not recommend Genworth to our clients at this time.

Genworth offers a pure long-term care insurance policy. The Company sells its long term care insurance policy under its Privileged Choice Flex 3 product line.

The different elimination periods available range from 30 days, 60, 90 or 180 days. You can choose calendar day elimination periods or service day elimination periods. Calendar day reflects a true 30 days, whereas service day only counts on days you receive LTC services.

Inflation protection is available. You can choose 2, 3, 4, or 5% compound interest growth or 5% simple interest growth. You can also elect the Future Purchase Option, which allows you to increase your long term care insurance coverage every three years by 3%.

The Shared Benefit Rider provides a shared pool of money for covered long term care expenses that you and your spouse can both use.

Home Assistance Training provides a friend or family member with training to help care for you at home.

For more, please visit our Genworth long-term care insurance review.

Schedule a consultation with our LTC expert

Long-Term Care Insurance Rates

The average yearly cost for in home care and care in an assisted living facility can range between $3,000-$5,000 a month. Nursing home care can exceed $100,000 a year.

So, the question becomes, what would you be willing to pay today, for insurance that will cover LTC costs in the future?

Your long term care insurance rates are determined by several factors, including

  • 1. your total income benefit,
  • 2. benefit period,
  • 3. elimination period and
  • 4. additional riders and features all need to be designed with your budget and goals in mind.

For example, the following table represents long term care rates from 3 different long term care insurance plans for a 60 year old male at a standard rate class, including a 4% income protection rider, with A rated LTC providers. The long term care insurance quotes range from $3,122.45 to $3,763.84 annually.

Long-term care insurance rates

Long Term Care Insurance FAQs

The following are long-term care frequently asked questions. If you have additional questions, such as what is long-term care insurance, please don’t hesitate to give us a call or leave a comment below.

What are the requirements for a successful long-term care benefit claim?

IRC 7702B(c)(2) defines a “chronically ill individual” and lays out the requirements that must be met to qualify. In order to qualify for long-term care benefits you must be diagnosed as a chronically ill individual for a period of at least 90 days.

Chronically Ill Individual – To be considered chronically ill for eligibility purposes, you must be certified by a Licensed Health Care Practitioner as either:

(1) being unable to perform 2 of 6 Activities of Daily Living (ADLs). (Most states and companies do not require that the condition be permanent in order to qualify for long term care benefits, but some do); or

(2) due to cognitive impairment you require substantial supervision to protect you from threats to your health and safety.

What are the different activities of daily living?

Activities of Daily Living (ADLs)

  1. Bathing – washing oneself and getting in or out of the tub or shower.
  2. Continence – the ability to maintain control of bowel and bladder function.
  3. Dressing – putting on and taking clothing, including braces, fasteners, or artificial limbs.
  4. Eating – putting food into your body from a receptacle or feeding tube or intravenously.
  5. Toileting – being able to get to and from the toilet and get on and off the toilet.
  6. Transferring – moving in and out of a bed, chair, or wheelchair.

What are some examples of cognitive impairments?

A few examples of cognitive impairments that may eventually require substantial supervision are Alzheimer’s Disease, Parkinson’s Disease and other such dementia.

Are long-term care benefits taxed?

Typically, reimbursements of actual expenses are not taxable as income, even if the reimbursement exceeds the per diem limit.

However, payments received in excess of the greater of per diem tax maximum limits or actual expenses paid are probably going to be taxable as income.

For 2022, the IRS per diem maximum is $390 a day, increasing to $420 a day in 2023.

And similarly to life insurance benefits not being taxed, accelerated death benefits under IRC Section 7702B are generally excluded from income taxation.

Do I need long-term care insurance?

According to the U.S. Department of Health and Human Services, at least 70% of people over age 65 will require long-term care services, and more than 40% will need nursing home care.

The costs associated with LTC services are staggering. Anyone who desires wealth preservation should consider long term care insurance.

What is the limit that can be deducted on traditional long-term care insurance premiums in 2021?

Under current tax law, hybrid long term care life insurance policy premiums are not tax deductible. However, traditional stand alone long-term care insurance premiums may qualify for a federal income tax deduction.

If you are older than 60 but not older than 70 the maximum you may be able to deduct is $4,520 per spouse, a potential deduction of $9,040 for the household if both husband and wife have a policy.

If you are 71 and older, up to $5,640 in LTC premiums may be able to be deducted per spouse, a potential deduction of $11,280 for the household if both husband and wife have a policy.

Maximum Deduction for Qualified LTC Insurance Premiums Under IRC Section 213(d)(10)

Attained Age Before Close of Year202020192018
40 or Less$430$420$420
More Than 40 But No More Than 50$810$790$780
More Than 50 But No More Than 60$1,630$1,580$1,560
More Than 60 But No More Than 70$4,350$4,220$4,160
More Than 70 $5,430$5,270$5,200

Can I use my HSA to pay for long term care insurance?

Under current tax law, you cannot use your HSA to pay your combination long term care life insurance policy premiums.

However, you should be able to use your HSA to pay for your long-term care insurance premiums, up to the deduction limits by age set by the IRS.

For 2020, if you are older than 50 but not more than 60, you can use up to $1,630 from your HSA.

And, if you are older than 60 but not more than 70, you can use up to $4,350 from your HSA.

Finally, if you are older than 70, you can use up to $5,430 from your HSA.

What does long-term care insurance cover?

Long-term care insurance covers different services, such as in home care, hospice, adult day care centers, care in a nursing home or assisted living facility.

It also provides respite care if a care giver needs some time off.

It can pay for a medical professional such as a nurse or a therapist.

And long term care insurance can also provide support for in home care, including caregiver training for a loved one (family member or friend).

Does medicare cover long-term care costs?

If you are over the age of 65 or under 65 with a disability, you may qualify for Federal Medicare benefits.

Medicare covers the cost of a hospital stay, skilled nursing facility stay, hospice or home health services.

Medicare will cover the full cost for the first 20 days and partial costs for days 21 to 100.

Long-Term Care Partnership Program

The Long-Term Care Partnership Program can help protect your assets. The program has certain requirements, including the requirement that a qualifying long term care insurance policy include a mandatory 5% compound interest rider for certain states, while other states simply want any compound interest cost of living adjustment.

Does long-term care insurance have exclusions?

Some pre-existing conditions may be excluded for a period of time, such as the initial six months after the policy is placed in force.

In addition, some policy exclusions you may encounter are conditions due to:

  • alcoholism and drug addiction;
  • attempted suicide or intentionally self-inflicted injuries;
  • war or an act of war, whether declared or undeclared;
  • participation in a riot, felony, or insurrection;
  • service in the armed forces; or
  • aviation activities if not a fare-paying passenger.

Next Steps

We’ve covered a lot of ground in this article, and we understand that absorbing all the details might be overwhelming. Our main goal is to ensure you grasp two key points: the variety of Long Term Care Insurance options available and our readiness to assist at I&E.

Navigating insurance choices can feel daunting, and we recognize that most people are looking for clear, straightforward guidance without the pressure of sales tactics. That’s exactly the approach our I&E agents take.

Whether you’re considering Long Term Care Insurance for the first time or seeking a second opinion on a recent application, we’re here to help. Our team is ready to explore your options with you and, if we find a suitable match, guide you through the application process step by step.

Don’t hesitate to reach out. Contact us today and discover the I&E difference for yourself!

Schedule a consultation with our LTC expert

13 comments… add one
  • Earnest Powell January 10, 2018, 4:50 pm

    What are the selection criteria for these top ten LTCi providers?

    Thank you.

    • Insurance&Estates January 15, 2018, 9:37 am


      Our selection criteria is based on policy flexibility, price, options and company ratings.


  • Bill Liskowitz April 29, 2018, 1:58 pm

    This post does not add any added value or knowledge, nor does the information within give me any confidence that you actually know anything about long term care insurance policies. This is internet click bait at its worst. Good luck to your lead generation. Pure garbage. Throw together a meaningless list of company names.

    • Insurance&Estates April 29, 2018, 2:50 pm

      Hi Bill,

      Thanks for the feedback. Although we do not agree with your comment, we support your right to make it.



  • best investment online October 9, 2018, 4:08 pm

    That is a good tip especially to those new to the blogosphere.
    Simple but very precise info… Thank you for sharing this one.
    A must read article!

  • Joe October 16, 2019, 10:19 pm

    Looking for LTC insurance for my wife and I ages 64 and 65

    • Insurance&Estates October 17, 2019, 8:02 pm

      Hello Joe,

      Thanks for your interest and for reading. Your information has been forwarded to Jason Herring, our National Sales Director and long term care insurance expert.


      Steve Gibbs for I&E

  • Neil November 24, 2019, 11:25 am

    Happy to see that you have warning on Genworth Financial. They are reducing the benefits, trying to eliminate home health care and raising the rates. Stay away from them!

    • Insurance&Estates December 2, 2019, 10:22 pm

      Neil, thanks for commenting…important issue.


      Steve Gibbs for I&E

  • Derrick March 6, 2021, 7:04 am

    Curious what the BBB ratings for these companies are three years old? And why is the Bottom 1-10 list is not included with the first 1-10; as the top 20 rather than two sets of ten? Logically regardless of captive or independent status, there should be a visible list of the qualifications describing the rating system pro and cons of each company? Based on Black and White facts, on a neutral bias. The current way the page is set up, is not compelling in anyway. Communication is a talent, that few people get paid well for; that is because it is a difficult.

    • Insurance&Estates March 11, 2021, 7:21 am

      Hello Derrick, thanks for reading. I believe we’ve articulated the basis of our criteria and also qualified it by pointing out that it is in part based upon our practical experience in the industry. If your favorite company isn’t on the list, it just means they didn’t make our list. As in most things, there is a subjective element to all rating systems, even the almighty BBB, which is really a pay for play club at the end of the day in my humble “opinion”. If your communication skills are off the charts, I invite you to start your own blog:)

      Best, Steve Gibbs, for I&E

  • Steven Dugal March 7, 2021, 6:22 pm

    Interesting you do not show the highest rated insurance company, Northwestern Mutual.

    • Insurance&Estates March 11, 2021, 7:26 am

      Hello Steven, we get that question often, mostly from NW Mutual agents. They are a solid company to be sure, yet don’t make this list because it is featuring outstanding long term care insurance companies. Also, they lose points from our perspective because they are captive, thereby limiting consumers choices. Thanks for reading.

      Best, Steve Gibbs, for I&E

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