Carriers
The companies behind
the promise.
A long-term care promise may not be paid for 20 years or more, so the company behind it matters. These are the established carriers we compare most often.
Hybrid life / LTC and annuity / LTC
Carriers we compare
Each is a long-established insurer. We'll show you every carrier's current financial strength ratings with your quote.
| Carrier | Flagship product | Type | What stands out |
|---|---|---|---|
| OneAmerica (State Life) | Asset Care / Annuity Care | Life/LTC and annuity/LTC | Pioneer of asset-based LTC; lifetime benefit and joint (couple) options; annuity version for savers |
| Lincoln Financial | MoneyGuard | Life/LTC | One of the best-known hybrid brands; return-of-premium options |
| Nationwide | CareMatters | Life/LTC | Cash-indemnity benefits, so no receipts are needed once you qualify |
| Securian (Minnesota Life) | SecureCare | Life/LTC | Often a budget-friendly premium; reimbursement design |
| Pacific Life | PremierCare | Life/LTC | Flexible designs on a universal life chassis from a mutual holding company |
| John Hancock | LifeCare | IUL/LTC | Indexed universal life with LTC benefits that may grow with account value; digital application |
| MassMutual | CareChoice | Whole life/LTC | Hybrid built on whole life from a policyholder-owned mutual company |
Product names, features and availability vary by state and change over time. Ratings are shown with each personalized quote; verify current ratings before applying. Not every carrier is available in every state or through every agent.
How we choose
Beyond the brochure
- Financial strength ratings from multiple agencies
- How benefits are paid: indemnity or reimbursement
- Premium guarantees and return-of-premium options
- Continuation and inflation riders
- Underwriting fit for your health and age
- Joint and shared-care options for couples
Want a side-by-side for you?
Derick will compare three or more carriers for your age, health and budget.
Compare Carriers for MeYour next step
See your numbers before you decide anything.
A free, no-pressure review. We'll compare asset-based long-term care options from top-rated carriers side by side, including what happens if you never need care.