๐Ÿฅ

Long-term Care

Compare top providers and save up to 40% on your long-term care.

Long-term care insurance helps cover costs of assisted living and in-home care. Protect your assets and family from high care expenses.

โœ“ Asset protection

โœ“ Home care coverage

โœ“ Tax benefits

โœ“ Flexible options

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All Long-term Care Providers (5)

๐Ÿฅ Genworth

โ˜… 4.800000000000001/5.0

$3300 - $7600

Coverage Types:

Facility careHome careAdult day careAssisted living

Deductible: 30-90 days

Key Features:

  • โœ“ Home care
  • โœ“ Facility care
  • โœ“ Inflation option

PROS

  • โ€ข Publishes the industry-standard Genworth Cost of Care Survey annually since 2004, tracking costs across 435+ U.S. regions
  • โ€ข One of the longest-tenured LTC carriers with over 1.2 million LTC policyholders, giving it deep claims-paying experience (has paid over $26 billion in LTC claims)

CONS

  • โ€ข Stopped selling new traditional standalone LTC policies to the public in 2019 โ€” existing policyholders only; new buyers must look elsewhere
  • โ€ข AM Best financial strength rating of B (Fair) for Genworth Life Insurance Company, well below the A-range ratings of most active LTC competitors
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๐Ÿฅ Mutual Omaha

โ˜… 4.7/5.0

$3100 - $7200

Coverage Types:

Facility careHome careAdult day careAssisted living

Deductible: 30-90 days

Key Features:

  • โœ“ Home care
  • โœ“ Facility care
  • โœ“ Inflation option

PROS

  • โ€ข Tax benefits
  • โ€ข Inflation options

CONS

  • โ€ข High cost
  • โ€ข Medical underwriting
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๐Ÿฅ John Hancock

โ˜… 4.6000000000000005/5.0

$2900 - $6800

Coverage Types:

Facility careHome careAdult day careAssisted living

Deductible: 30-90 days

Key Features:

  • โœ“ Home care
  • โœ“ Facility care
  • โœ“ Inflation option

PROS

  • โ€ข Tax benefits
  • โ€ข Inflation options

CONS

  • โ€ข High cost
  • โ€ข Medical underwriting
Get Quote โ†’

๐Ÿฅ Mass Fin

โ˜… 4.5/5.0

$2700 - $6400

Coverage Types:

Facility careHome careAdult day careAssisted living

Deductible: 30-90 days

Key Features:

  • โœ“ Home care
  • โœ“ Facility care
  • โœ“ Inflation option

PROS

  • โ€ข Tax benefits
  • โ€ข Inflation options

CONS

  • โ€ข High cost
  • โ€ข Medical underwriting
Get Quote โ†’

๐Ÿฅ New York Life

โ˜… 4.4/5.0

$2500 - $6000

Coverage Types:

Facility careHome careAdult day careAssisted living

Deductible: 30-90 days

Key Features:

  • โœ“ Home care
  • โœ“ Facility care
  • โœ“ Inflation option

PROS

  • โ€ข Tax benefits
  • โ€ข Inflation options

CONS

  • โ€ข High cost
  • โ€ข Medical underwriting
Get Quote โ†’

How to Choose

Affiliate disclosure: 9GG LLC may earn commissions from some carrier links on this site. This does not influence which carriers we recommend or how we rank them. How we research ยท Full disclaimer