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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. CA Partnership
  2. Survivorship (rider)
  3. 0 Day wait for HHC (rider)
  4. 10 pay and paid to age 65
  5. Discounts available: Spousal, Domestic Partners, Preferred
  6. Group Discounts


John Hancock
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. CA Partnership
  2. Survivorship (rider)
  3. 0 day wait for HHC (rider)
  4. International coverage
  5. Shared Care
  6. 10 pay option and paid to age 65
  7. Return of Premium
  8. Discounts available: Spousal, Domestic Partners, Marital (one spouse only applies), Family (3 or more), Preferred
  9. 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. CA Partnership
  2. Survivorship (rider)
  3. 0 day wait for HHC (rider)
  4. International coverage
  5. Shared Care
  6. 10 pay and paid to age 65
  7. Return of Premium
  8. Discounts available: Spousal, Domestic Partners, Marital (one spouse only applies), Preferred
  9. 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+
  • No rate increases on existing business
Benefits:
  1. Survivorship (rider)
  2. Joint Waiver (rider)
  3. Flex Benefit
  4. Cash Benefit (rider)
  5. 10 pay and paid to age 65
  6. Discounts available: Spousal, Domestic Partners, Qualified Adult, Preferred
  7. Group discounts

 


LifeSecure

Customer Service: 866-582-7702

  • LTC since 2006
  • Total in force: $11,145
  • Total Assets: $409,956
  • AM Best Rating: A-
  • LifeSecure is a wholly-owned subsidiary of Blue Cross and Blue Shield of Michigan
Benefits:
  1. Partnership certified in seven states as of 3/09
  2. Benefit bank of 75K to 1mil to choose from
  3. Monthly benefit access limit of 1%, 2% and  3%
  4. Flex benefit 50%:care by a family member allowed
  5. GPO built into the policy
  6. 3% and 5% compound inflation options
  7. 10 pay and paid to age 65
  8. Money back promise option
  9. Rewards program