{"id":325173,"date":"2025-11-12T10:03:41","date_gmt":"2025-11-12T15:03:41","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=96330"},"modified":"2025-11-12T14:02:16","modified_gmt":"2025-11-12T19:02:16","slug":"best-long-term-care","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/life\/best-long-term-care\/","title":{"rendered":"The Best Long Term Care Life Insurance Companies of 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Long-Term Care Insurance Review\"><\/span>\n    \n\n\n<p>Long-term care coverage today generally comes in two forms: traditional stand-alone long-term care insurance (LTCI) and linked-benefit (hybrid) life insurance with LTC benefits. Both typically pay benefits when you cannot perform at least two of six activities of daily living or you have a severe cognitive impairment, and benefits help cover services that Medicare or standard health insurance often won\u2019t, such as home health aides, adult day health, assisted living, and nursing homes (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC overview<\/a>). Demand is rising as the population ages: the number of Americans 85+ (the highest-need group) is projected to more than double by 2040, and about 6.9 million Americans 65+ are living with Alzheimer\u2019s, with related care costs projected in the hundreds of billions (<a href=\"https:\/\/acl.gov\/aging-and-disability-in-america\/data-and-research\/profile-older-americans\">ACL Profile of Older Americans<\/a>; <a href=\"https:\/\/www.alz.org\/alzheimers-dementia\/facts-figures\">Alzheimer\u2019s Association<\/a>). Costs of care continue to climb, making benefit design and inflation protection critical (<a href=\"https:\/\/www.genworth.com\/aging-and-you\/finances\/cost-of-care.html\">Genworth Cost of Care<\/a>).<\/p>\n\n\n\n<p>To simplify your search, we highlight 2025-relevant standouts based on product design, feature breadth, and practical differences in how benefits pay. Our top picks reflect two categories: hybrids (e.g., <a href=\"https:\/\/www.oneamerica.com\">OneAmerica Asset\u2011Care<\/a>, <a href=\"https:\/\/www.nationwide.com\">Nationwide CareMatters II<\/a>, <a href=\"https:\/\/www.lfg.com\/public\/individuals\/insurance\/long-term-care\/moneyguard-fixed-advantage\">Lincoln MoneyGuard Fixed Advantage<\/a>) and traditional LTCI (e.g., <a href=\"https:\/\/www.mutualofomaha.com\/long-term-care-insurance\">Mutual of Omaha<\/a>, <a href=\"https:\/\/www.ngl-essentialltc.com\/\">NGL EssentialLTC<\/a>). Key considerations when buying include: cash\u2011indemnity vs. reimbursement claims design, inflation protection (commonly 3% compound), funding schedule (single\u2011pay\/limited\u2011pay vs. lifetime pay), and carrier strength\/servicing history (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Long-Term Care Life Insurance Providers<\/h2>\n\n\n\n<ul>\n<li><a href=\"#overall\" rel=\"nofollow\" class=\"achor-toggles\">OneAmerica (Asset\u2011Care)<\/a>: Best Overall for lifetime\/joint benefits and guaranteed premiums<\/li>\n\n\n\n<li><a href=\"#customer-service\" rel=\"nofollow\" class=\"achor-toggles\">Nationwide (CareMatters II)<\/a>: Best cash\u2011indemnity hybrid for flexible use of benefits<\/li>\n\n\n\n<li><a href=\"#consumer-flexibility\" rel=\"nofollow\" class=\"achor-toggles\">Lincoln Financial (MoneyGuard Fixed Advantage)<\/a>: Best reimbursement hybrid with strong guarantees<\/li>\n\n\n\n<li><a href=\"#coverage-options\" rel=\"nofollow\" class=\"achor-toggles\">Mutual of Omaha<\/a>: Best traditional stand\u2011alone design breadth and availability<\/li>\n\n\n\n<li><a href=\"#tools\" rel=\"nofollow\" class=\"achor-toggles\">NGL (EssentialLTC)<\/a>: Best traditional alternative with flexible pay and shared benefits<\/li>\n<\/ul>\n\n\n\t\t\n<section id=\"block_5fd0fcb1329cf\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Long-Term Care Insurance Companies<\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tReviews.com Score\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tScore is based on company&#8217;s customer experience, financial stability, and coverage options.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best Financial Strength\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power Overall Customer Satisfaction\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_5fd0fcb1329cf-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">OneAmerica<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd0fcb1329cf-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Nationwide<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd0fcb1329cf-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Lincoln Financial<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd0fcb1329cf-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Mutual of Omaha<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_5fd0fcb1329cf-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">NGL<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>\u2014<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information updated with sources current through 2025<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overall\" title=\"Best Overall\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Overall<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                OneAmerica\u2019s Asset\u2011Care stands out for rare lifetime (unlimited) LTC benefit options, robust joint\u2011life designs for couples, and guaranteed premiums on a whole\u2011life chassis. Buyers seeking premium certainty and the ability to share benefits across spouses often start here. Verify lifetime and limited benefit periods, inflation protection, and return\u2011of\u2011premium provisions (<a href=\"https:\/\/www.oneamerica.com\">OneAmerica Asset\u2011Care<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=322561-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                OneAmerica\u2019s Asset\u2011Care stands out for rare lifetime (unlimited) LTC benefit options, robust joint\u2011life designs for couples, and guaranteed premiums on a whole\u2011life chassis. Buyers seeking premium certainty and the ability to share benefits across spouses often start here. Verify lifetime and limited benefit periods, inflation protection, and return\u2011of\u2011premium provisions (<a href=\"https:\/\/www.oneamerica.com\">OneAmerica Asset\u2011Care<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Lifetime (unlimited) LTC options available<\/li>\n                            <li>Joint designs for couples with shared benefits<\/li>\n                            <li>Guaranteed premiums and benefit guarantees<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Medical underwriting applies; not all applicants qualify<\/li>\n                                        <li>Hybrids can require higher upfront\/limited\u2011pay premiums<\/li>\n                                        <li>Features vary by state filing; verify availability<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other insurance products offered<\/h4>\n                <div> <ul>\n<li><span style=\"font-weight: 400;\">Single\u2011pay and limited\u2011pay funding options (e.g., 10\u2011pay)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Whole\u2011life base with LTC acceleration and extension benefits<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Lifetime and fixed benefit periods (verify state forms)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Inflation options (commonly 3% compound) and return\u2011of\u2011premium provisions<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Joint coverage mechanics for couples<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Asset\u2011Care is notable for offering lifetime LTC benefits and joint coverage structures that are increasingly rare in the market, with contractual guarantees (<a href=\"https:\/\/www.oneamerica.com\">OneAmerica<\/a>).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Customer satisfaction is measured annually; check the latest independent studies for current scores (1,000-point scale).<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Further Reading on OneAmerica<\/strong><\/h3>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.oneamerica.com\">OneAmerica Asset\u2011Care (official product page)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\" class=\"achor-toggles\">NAIC: Long\u2011Term Care Insurance market overview<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.genworth.com\/aging-and-you\/finances\/cost-of-care.html\" class=\"achor-toggles\">Genworth\/CareScout Cost of Care (interactive data)<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"customer-service\" title=\"Best Customer Service\"><\/span>\n    \n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Customer Service<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Nationwide\u2019s CareMatters II is a popular cash\u2011indemnity hybrid: once eligible, it pays a set monthly amount that you can use flexibly \u2014 including to compensate family or informal caregivers \u2014 without submitting receipts up to the monthly maximum. It offers limited\u2011pay schedules and inflation options, with benefits that also include a residual death benefit (<a href=\"https:\/\/www.nationwide.com\">Nationwide CareMatters II<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?refer=Life_Nationwide&#038;rvitemid=336460-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Nationwide\u2019s CareMatters II is a popular cash\u2011indemnity hybrid: once eligible, it pays a set monthly amount that you can use flexibly \u2014 including to compensate family or informal caregivers \u2014 without submitting receipts up to the monthly maximum. It offers limited\u2011pay schedules and inflation options, with benefits that also include a residual death benefit (<a href=\"https:\/\/www.nationwide.com\">Nationwide CareMatters II<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Cash\u2011indemnity benefits allow flexible use (including family caregivers)<\/li>\n                            <li>Limited\u2011pay funding and inflation protection options<\/li>\n                            <li>Residual death benefit if long\u2011term care is not fully used<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Cash\u2011indemnity amount is capped by monthly maximum<\/li>\n                                        <li>Medical underwriting required; features vary by state<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other insurance products offered<\/h4>\n                <div> <ul>\n<li><span style=\"font-weight: 400;\">CareMatters II cash\u2011indemnity monthly benefits (no receipts for covered amount)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Funding options (e.g., single, 5\u2011, 10\u2011, or 15\u2011pay depending on state)<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Inflation options and potential international benefits (verify state form)<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">CareMatters\u2019 cash\u2011indemnity structure can simplify claims and broaden how benefits are used, compared with reimbursement\u2011only designs (<a href=\"https:\/\/www.nationwide.com\">Nationwide<\/a>).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Customer satisfaction is measured annually; check the latest independent studies for current scores (1,000-point scale).<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on Nationwide<\/h3>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.nationwide.com\">Nationwide CareMatters II (official product page)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\" class=\"achor-toggles\">NAIC: Long\u2011Term Care Insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.carescout.com\/cost-of-care\" class=\"achor-toggles\">CareScout Cost of Care (national and local medians)<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"consumer-flexibility\" title=\"Best for Consumer Flexibility\"><\/span>\n    \n\n                                                \n\n\n<section id=\"northwestern-mutual-life-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Northwestern Mutual Life Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Consumer Flexibility<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Lincoln\u2019s MoneyGuard Fixed Advantage is a long\u2011tenured linked\u2011benefit platform with guaranteed premiums and reimbursement\u2011based LTC benefits. It offers multiple funding schedules (e.g., single\u2011pay and 10\u2011pay), inflation options, and return\u2011of\u2011premium choices; reimbursement designs appeal to buyers who prefer benefits tied to qualified LTC expenses (<a href=\"https:\/\/www.lfg.com\/public\/individuals\/insurance\/long-term-care\/moneyguard-fixed-advantage\">Lincoln MoneyGuard<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/\" class=\"reviews-btn--primary\" rel=\" sponsored\">Learn more<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Lincoln\u2019s MoneyGuard Fixed Advantage is a long\u2011tenured linked\u2011benefit platform with guaranteed premiums and reimbursement\u2011based LTC benefits. It offers multiple funding schedules (e.g., single\u2011pay and 10\u2011pay), inflation options, and return\u2011of\u2011premium choices; reimbursement designs appeal to buyers who prefer benefits tied to qualified LTC expenses (<a href=\"https:\/\/www.lfg.com\/public\/individuals\/insurance\/long-term-care\/moneyguard-fixed-advantage\">Lincoln MoneyGuard<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Guaranteed premiums with long track record<\/li>\n                            <li>Reimbursement structure aligns to documented LTC costs<\/li>\n                            <li>Funding flexibility (single\u2011pay and limited\u2011pay options)<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Reimbursement claims require submitting expenses\/receipts<\/li>\n                                        <li>Less flexible than cash\u2011indemnity for paying family caregivers<\/li>\n                                        <li>State forms and riders vary; verify specific features<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other insurance products offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">MoneyGuard Fixed Advantage linked\u2011benefit (life + LTC)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Return\u2011of\u2011premium options and residual death benefit<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Inflation protection options and multiple funding schedules<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Established MoneyGuard franchise with guarantees and reimbursement\u2011style benefits that many buyers prefer for alignment to qualified LTC expenses (<a href=\"https:\/\/www.lfg.com\/public\/individuals\/insurance\/long-term-care\/moneyguard-fixed-advantage\">Lincoln<\/a>).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Customer satisfaction is measured annually; check the latest independent studies for current scores (1,000-point scale).<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on Lincoln Financial<\/h3>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.lfg.com\/public\/individuals\/insurance\/long-term-care\/moneyguard-fixed-advantage\">Lincoln MoneyGuard Fixed Advantage (official product page)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\" class=\"achor-toggles\">NAIC: Long\u2011Term Care Insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.soa.org\/research\/topics\/long-term-care\/\" class=\"achor-toggles\">Society of Actuaries: LTC research and claims experience<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage-options\" title=\"Best Coverage Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"mutual-of-omaha\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Mutual of Omaha<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Coverage Options<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Mutual of Omaha remains a leading writer of traditional LTC insurance (MutualCare Solutions), with broad national availability, shared\u2011care options for couples, benefit periods you can tailor, and multiple inflation choices (commonly 3% compound). Stand\u2011alone LTCI can start with lower initial premiums than hybrids but is subject to regulator\u2011approved rate changes over time (<a href=\"https:\/\/www.mutualofomaha.com\/long-term-care-insurance\">Mutual of Omaha LTC<\/a>; <a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?rvitemid=314154-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Mutual of Omaha remains a leading writer of traditional LTC insurance (MutualCare Solutions), with broad national availability, shared\u2011care options for couples, benefit periods you can tailor, and multiple inflation choices (commonly 3% compound). Stand\u2011alone LTCI can start with lower initial premiums than hybrids but is subject to regulator\u2011approved rate changes over time (<a href=\"https:\/\/www.mutualofomaha.com\/long-term-care-insurance\">Mutual of Omaha LTC<\/a>; <a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Broad availability; customizable benefit periods and riders<\/li>\n                            <li>Shared\u2011care for couples and multiple inflation options<\/li>\n                            <li>Often lower initial premiums than hybrids for similar pools<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Premiums are not guaranteed and can change with approval<\/li>\n                                        <li>Medical underwriting and state\u2011by\u2011state feature differences<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other insurance products offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Traditional LTCI (MutualCare Solutions) with 2\u20135+ year benefit periods<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Shared\u2011care riders, nonforfeiture options, and inflation protection<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Partnership\u2011eligible policies in many states (verify availability)<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Customer satisfaction is measured annually; check the latest independent studies for current scores (1,000-point scale).<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on Mutual of Omaha<\/h3>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.mutualofomaha.com\/long-term-care-insurance\">Mutual of Omaha Long\u2011Term Care Insurance (official)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/content.naic.org\" class=\"achor-toggles\">NAIC: A Shopper\u2019s Guide to Long\u2011Term Care Insurance (PDF)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.aaltci.org\" class=\"achor-toggles\">AALTCI: 2025 Price Index (premium benchmarks)<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"tools\" title=\"Best Tools Variety of Riders\"><\/span>\n    \n\n                                                \n\n\n<section id=\"new-york-life\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">New York Life<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Tools Variety of Riders<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                NGL\u2019s EssentialLTC is a flexible traditional LTC offering with shared benefit riders for couples, survivorship options, and limited\u2011pay availability in some states. It\u2019s frequently compared as an alternative to Mutual of Omaha for stand\u2011alone LTC shoppers seeking design flexibility and premium options (<a href=\"https:\/\/www.ngl-essentialltc.com\/\">NGL EssentialLTC<\/a>).\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/life\/quotes\/?refer=Life_New_York_Life_Spanish&#038;rvitemid=323574-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">\u2014<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                NGL\u2019s EssentialLTC is a flexible traditional LTC offering with shared benefit riders for couples, survivorship options, and limited\u2011pay availability in some states. It\u2019s frequently compared as an alternative to Mutual of Omaha for stand\u2011alone LTC shoppers seeking design flexibility and premium options (<a href=\"https:\/\/www.ngl-essentialltc.com\/\">NGL EssentialLTC<\/a>).\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Shared benefits and survivorship features for couples<\/li>\n                            <li>Limited\u2011pay options (state availability varies)<\/li>\n                            <li>Custom benefit periods and inflation choices<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Traditional LTC premiums are not guaranteed and can adjust<\/li>\n                                        <li>State approvals and features vary; confirm current forms<\/li>\n                                        <li>Medical underwriting and eligibility rules apply<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Other insurance products offered<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Traditional LTCI with shared benefit and survivorship riders<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Flexible premium modes including limited\u2011pay (where approved)<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Inflation protection options and partnership eligibility in some states<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">EssentialLTC is often considered alongside Mutual of Omaha to compare limited\u2011pay availability, shared benefits, and customizable periods for couples (<a href=\"https:\/\/www.ngl-essentialltc.com\/\">NGL<\/a>).<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Customer satisfaction is measured annually; check the latest independent studies for current scores (1,000-point scale).<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Further Reading on NGL<\/h3>\n\n\n\n<ul>\n<li><a href=\"https:\/\/www.ngl-essentialltc.com\/\">NGL EssentialLTC (official product site)<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\" class=\"achor-toggles\">NAIC: Long\u2011Term Care Insurance<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/brokerworldmag.com\" class=\"achor-toggles\">Milliman\/Broker World: 2024 LTC Insurance Survey<\/a><\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Methodology<\/strong><\/h2>\n\n\n\n<p><em>We evaluate linked\u2011benefit (life + LTC) and traditional stand\u2011alone LTC offerings using carrier strength and servicing reputation, distinct product features (cash\u2011indemnity vs. reimbursement), inflation protection and riders, funding options (single\/limited\u2011pay vs. lifetime pay), breadth of coverage, and usability. We emphasize products broadly available in 2024\u20132025 per carrier materials and neutral industry sources, including <a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>, the <a href=\"https:\/\/brokerworldmag.com\">Milliman\/Broker World LTC survey<\/a>, and carrier product pages. Ratings simplify shopping; premiums\/eligibility vary by age, health, state, and options\u2014always verify quotes and current financial\u2011strength ratings at purchase.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cost\" title=\"Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>Cost of Long-Term Care Insurance<\/strong><\/h2>\n\n\n\n<p>The price of LTC coverage depends on age, sex, health, state, and policy design (monthly benefit, total benefit pool\/period, elimination period, riders). Benchmark 2025 new\u2011issue premiums for a typical traditional policy design (about a $165,000 initial pool with 3% compound inflation and a ~90\u2011day elimination period) are roughly $1,900\u2013$2,900 per year for a 55\u2011year\u2011old male, $3,000\u2013$4,200 for a 55\u2011year\u2011old female, and $4,200\u2013$6,000 combined for a 55\u2011year\u2011old couple applying together. Premiums rise with age and richer inflation riders (<a href=\"https:\/\/www.aaltci.org\">AALTCI 2025 Price Index<\/a>; <a href=\"https:\/\/brokerworldmag.com\">Milliman\/Broker World LTC Survey<\/a>).<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td>&nbsp;<\/td><td><strong>Live-in Aid<\/strong><\/td><td><strong>Homemaker Services<\/strong><\/td><td><strong>Adult Day Health Care<\/strong><\/td><td><strong>Assisted Living Facility<\/strong><\/td><td><strong>Nursing Home Care<\/strong><\/td><\/tr><tr><td><strong>Average Annual Cost<\/strong><\/td><td>$75,600<\/td><td>$68,400<\/td><td>$21,600\u2013$22,800<\/td><td>$67,200\u2013$69,600<\/td><td>$104,400\u2013$120,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Information cited from<a href=\"https:\/\/www.genworth.com\/aging-and-you\/finances\/cost-of-care.html\"> Genworth Cost of Care Survey (2024)<\/a>.<\/p>\n\n\n\n<p>Calibrate your monthly benefit to local costs (home care, assisted living, nursing home) and consider adding 3% compound inflation protection so benefits keep pace with rising prices. For example, if assisted living near you averages about $5,800\/month and you can cover $1,500 from income, you might target roughly $4,300\/month from insurance and choose a benefit period that builds a total pool you\u2019re comfortable with (<a href=\"https:\/\/www.carescout.com\/cost-of-care\">CareScout<\/a>). Hybrids and stand\u2011alone policies differ on premium guarantees and death benefits; some buyers also compare annuities with LTC riders as alternative funding tools (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>; <a href=\"https:\/\/www.finra.org\/investors\/learn-to-invest\/types-investments\/annuities\">FINRA on annuities<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"benefits\" title=\"Benefits\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>What are the Benefits of Long-Term Care Insurance?<\/strong><\/h2>\n\n\n\n<p>LTC insurance can help protect retirement plans and reduce caregiver strain if you need help with daily activities or have cognitive impairment. Many shoppers evaluate coverage in their mid\u201150s to early 60s when underwriting and pricing are generally more favorable (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>). Benefits increasingly support home\u2011 and community\u2011based care so people can age in place. Qualified benefits from tax\u2011qualified policies are generally tax\u2011free; for indemnity (per\u2011diem) policies, benefits are tax\u2011free up to $430\/day in 2025 (<a href=\"https:\/\/www.irs.gov\">IRS 2025 adjustments<\/a>).<\/p>\n\n\n\n<p>The following outlines just some of the benefits associated with obtaining a long-term care insurance policy:<\/p>\n\n\n\n<ul>\n<li><strong>Variety of Care Options: <\/strong>Coverage can help pay for home health aides, homemaker services, adult day health, assisted living, and nursing facilities, settings where costs have been rising year over year.<\/li>\n\n\n\n<li><strong>Range of Service:<\/strong> Depending on the policy, benefits may support caregiver training, respite care, care navigation, and home modifications to help you remain at home.<\/li>\n\n\n\n<li><strong>Relief for Family Members:<\/strong> Insurance can fund paid support and reduce financial and emotional strain on family caregivers.<\/li>\n\n\n\n<li><strong>Tax Advantages:<\/strong> Premiums for tax\u2011qualified LTCI may be deductible up to age\u2011based limits and can be paid with HSA funds up to those limits; benefits are generally tax\u2011free within IRS rules (<a href=\"https:\/\/www.irs.gov\/publications\/p502\">IRS Pub. 502<\/a>; <a href=\"https:\/\/www.irs.gov\/publications\/p969\">IRS Pub. 969<\/a>).<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"how-it-works\" title=\"How it Works\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>How Long-Term Care Insurance Works<\/strong><\/h2>\n\n\n\n<p>Understanding how a long-term care insurance policy works now can save you and your loved ones a great deal of hassle in the future. Below is a step-by-step guide for how these policies work and how to receive your benefit:<\/p>\n\n\n\n<ul>\n<li><strong>Step One: <\/strong>Decide between hybrid (life + LTC) and traditional LTCI. Hybrids typically offer guaranteed premiums and a death benefit if care is never needed; traditional policies often start with lower premiums but can be subject to future rate increases (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>).<\/li>\n\n\n\n<li><strong>Step Two:<\/strong> Work with an agent to select monthly benefit, total benefit pool\/period, elimination period, and inflation protection (3% compound is a common choice). Cash\u2011indemnity designs (e.g., CareMatters II) pay a set monthly amount; reimbursement designs (e.g., MoneyGuard) repay eligible expenses up to the monthly limit (<a href=\"https:\/\/www.nationwide.com\">Nationwide<\/a>; <a href=\"https:\/\/www.lfg.com\/public\/individuals\/insurance\/long-term-care\/moneyguard-fixed-advantage\">Lincoln<\/a>).<\/li>\n\n\n\n<li><strong>Step Three:<\/strong> To claim, most policies require that you cannot perform at least two of six activities of daily living or that you have a severe cognitive impairment, with a care plan and physician documentation (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>).<\/li>\n\n\n\n<li><strong>Step Four:<\/strong> An elimination (waiting) period applies, often measured in calendar days; some policies waive or shorten this for home care. Plan to self\u2011fund care during the EP.<\/li>\n\n\n\n<li><strong>Step Five:<\/strong> After the EP, benefits pay up to the monthly maximum until the benefit pool is exhausted; certain hybrids (e.g., OneAmerica Asset\u2011Care) offer lifetime benefits (<a href=\"https:\/\/www.oneamerica.com\">OneAmerica<\/a>).<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"how-to-buy\" title=\"How to Buy\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>How to Buy Long-Term Care Insurance<\/strong><\/h2>\n\n\n\n<p>Start by clarifying your goal: premium certainty and multi\u2011use value (hybrid life + LTC) versus potential lower initial premium (traditional LTCI). Compare cash\u2011indemnity vs. reimbursement claims, inflation riders, benefit periods, shared\/joint designs for couples, and funding schedules (single\/limited\u2011pay vs. lifetime pay). Favor experienced carriers and verify current financial\u2011strength ratings at purchase. If you have health conditions, an LTC\u2011savvy agent can pre\u2011screen underwriting to improve approvals (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>). Some buyers also evaluate annuities with LTC riders or use HSAs for tax\u2011efficient medical spending (<a href=\"https:\/\/www.finra.org\/investors\/learn-to-invest\/types-investments\/annuities\">FINRA on annuities<\/a>; <a href=\"https:\/\/www.irs.gov\/publications\/p969\">IRS Pub. 969<\/a>).<\/p>\n\n\n\n<p>If you happen to work for an employer that provides long-term care benefits to its employees, you should research the plan\u2019s offerings thoroughly to ensure they\u2019re able to meet your needs. While employer-sponsored benefits may offer simplified underwriting or contributions, confirm state availability, inflation options, and whether benefits are cash\u2011indemnity or reimbursement. Keep in mind evolving public initiatives (e.g., Washington\u2019s WA Cares social insurance) can influence private market offerings and timelines (<a href=\"https:\/\/wacaresfund.wa.gov\/\">WA Cares Fund<\/a>; <a href=\"https:\/\/nashp.org\">NASHP LTSS financing tracker<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h2>\n\n\n<div id=\"block_5fd1050f32a24\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What age should you buy long-term care insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Most shoppers evaluate coverage in their mid\u201150s to early 60s to balance underwriting eligibility, pricing, and the need for inflation protection. Applying earlier can secure options; waiting too long risks health changes that affect approval (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fd1053b32a26\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does long-term care insurance cover?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Policies cover qualified long\u2011term services and supports such as home health aides, homemaker services, adult day health care, assisted living, and nursing facilities after meeting eligibility triggers. Coverage amounts and settings depend on the contract; hybrids like CareMatters II pay cash\u2011indemnity, while others reimburse documented expenses (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>; <a href=\"https:\/\/www.nationwide.com\">Nationwide<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fd1054932a27\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does long-term care insurance pay for assisted living?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Yes. Most LTC policies cover assisted living once you meet benefit triggers and satisfy the elimination period. Benefit payment method (cash\u2011indemnity vs. reimbursement) and monthly maximums determine how funds are accessed (<a href=\"https:\/\/content.naic.org\/cipr-topics\/long-term-care-insurance\">NAIC<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5fd1055732a28\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How many years does long-term care insurance cover?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Traditional policies commonly offer 2\u20135 year benefit periods you can customize; couples may add shared\u2011care riders. Some hybrids, such as OneAmerica Asset\u2011Care, offer options for lifetime (unlimited) benefits. Benefits pay up to your monthly maximum until the pool is exhausted (<a href=\"https:\/\/www.oneamerica.com\">OneAmerica Asset\u2011Care<\/a>).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Long-term care coverage today generally comes in two forms: traditional stand-alone long-term care insurance (LTCI) and linked-benefit (hybrid) life insurance with LTC benefits. Both typically pay benefits when you cannot perform at least two of six activities of daily living or you have a severe cognitive impairment, and benefits help cover services that Medicare or [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358393,"parent":1766,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1270],"tags":[],"post_author":[22150],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Long-Term Care Insurance Companies of 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our review of the best long-term care insurance companies includes a comparison of providers based on market share, customer reviews, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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