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Insurance Companies
Insurance Companies

Genworth (Formally GE)
Customer Service: 800-456-7766

  • LTC since 1974
  • Total in force premium: $1.5 Billion
  • Total Assets:
  • AM Best Rating: A+
  • 1 rate increase on existing business
Benefits:
  1. Survivorship (rider except in CA)
  2. 0 Day wait for HHC (rider except in CA)
  3. Shared Care (not in all states)
  4. International coverage (not in all states)
  5. Lifetime benefit
  6. 10 pay and paid to age 65
  7. Discounts available: Spousal, Domestic Partners, Preferred
  8. Group Discounts

John Hancock

New business suspended in CA effective June 7, 2010

 

Customer Service: 888-604-7296

  • LTC since 1987
  • Total in force premium: $600 million
  • Total Assets $90 Billion:
  • AM Best Rating: A++
  • 1 rate increase on existing business
Benefits:
  1. Survivorship (rider)
  2. 0 day wait for HHC (rider)
  3. International coverage
  4. Shared Care
  5. 10 pay option and paid to age 65
  6. Return of Premium
  7. Discounts available: Spousal, Domestic Partners, Marital (one spouse only applies), Family (3 or more), Preferred
  8. Group discounts

MetLife
Customer Service: 888-565-3761

  • LTC since 1985
  • Total in force premium: $200 million
  • Total Assets: $300 billion
  • AM Best rating: A+
  • 1 rate increase on existing business
Benefits:
  1. Survivorship (rider)
  2. 0 day wait for HHC (rider)
  3. International coverage
  4. Shared Care
  5. 10 pay and paid to age 65
  6. Return of Premium
  7. Discounts available: Spousal, Domestic Partners, Marital (one spouse only applies), Preferred
  8. Group discounts
Prudential
Customer Service: 800-496-9834

  • LTC since 1999
  • Total in force premium: $148 million
  • Total Assets: $454 billion
  • AM Best Rating: A+
  • 1 rate increases on existing business
Benefits:
  1. Survivorship (rider)
  2. Joint Waiver (rider)
  3. Flex Benefit
  4. 50% cash alternative for HHC built into the policy
  5. 150% HHC option (rider)
  6. Cash Benefit (rider)
  7. Shared Care (not in all states)
  8. Return of Premium (not in all states)
  9. Lifetime benefit (not in all states)
  10. 10 pay and paid to age 65
  11. Discounts available: Spousal, Domestic Partners, Qualified Adult, Preferred
  12. Group discounts

Transamerica

Customer Service: 800-227-3740

  • LTC since 1987
  • Total in force premium: $461 million
  • Total Assets: $101,455 million
  • AM Best Rating: A
  • 3 rate increases on existing business

Benefits:

  1. Joint Waiver of Premium (rider)
  2. Alternative Payment benefit built into the policy
  3. Rate guarantee
  4. Lifetime benefit
  5. 10 paly and paid to age 65
  6. Discounts available: Spousal, Domestic Partners, Qualified Adult, Preferred
  7. 6 rate classes
  8. Group discounts

LifeSecure

Customer Service: 866-582-7702

  • LTC since 2006
  • Total in force: $11,145
  • Total Assets: $409,956
  • AM Best Rating: A
  • No rate increases on existing business
Benefits:
  1. Money back promise option
  2. Rewards program
  3. 10 pay and paid to age 65
  4. Discounts available: Spousal, Qualified Adult
  5. Group discounts