Independent Long-Term Care Insurance Policy Comparison

Unbiased Analysis of Top Insurance Carriers

As independent agents, we provide objective comparisons across all major carriers. Our analysis focuses on three critical areas to help you make an informed decision.

Key Evaluation Criteria

Financial Strength

• A.M. Best ratings
• Standard & Poor's ratings
• Moody's assessments
• Financial stability history
• Claims-paying ability

Premium Stability

• Historical rate increase patterns
• Underwriting philosophy
• Risk management approach
• Reserve requirements
• Investment portfolio strength

Policy Features

• Core benefits structure
• Unique policy provisions
• Rider availability
• Underwriting flexibility
• Claims process efficiency

Leading Carriers We Compare

Current Market Share Distribution

• Mass Mutual: 19% (trending upward)
• Mutual of Omaha: 24%
• Lincoln Financial: 12%
• Minnesota Life: 15%
• Transamerica: 9%
• John Hancock: 9%
• State Life One America: 12%

Comparative Analysis Areas

Premium Structure

• Initial premium rates
• Payment flexibility
• Couples discounts
• Health discounts
• Multi-life discounts

Policy Benefits

• Daily/monthly benefit options
• Elimination periods
• Benefit periods
• Care settings covered
• International coverage

Additional Features

• Inflation protection options
• Return of premium riders
• Shared care benefits
• Waiver of premium provisions
• Alternative care benefits

Why Independent Comparison Matters

Advantage Over Captive Agents

• Access to multiple carriers
• Unbiased recommendations
• Broader product selection
• Competitive pricing
• Objective analysis

Market-Wide Perspective

• Industry trend awareness
• Rate increase patterns
• Claims experience data
• Company stability tracking
• Policy evolution insights

Our Comparison Process

1. Initial Assessment

• Coverage needs analysis
• Budget parameters
• Health qualification review
• Benefit preferences

2. Market Research

• Current rate comparisons
• Feature analysis
• Company stability review
• Claims history evaluation

3. Custom Analysis

• Side-by-side comparisons
• Feature highlighting
• Premium analysis
• Value assessment

4. Recommendations

• Best-fit options
• Alternative choices
• Trade-off analysis
• Implementation strategy

Key Policy Differentiators

Core Features

• Benefit triggers
• Elimination periods
• Care settings
• Benefit periods

Optional Features

• Inflation protection types
• Shared care options
• Return of premium
• Non-forfeiture benefits

Underwriting Considerations

• Health qualification
• Age factors
• Occupation classes
• Lifestyle factors

Making Your Decision

Important Factors

1. Financial strength ratings
2. Premium competitiveness
3. Policy features
4. Claims payment history
5. Customer service reputation

Red Flags to Watch

• Pressure sales tactics
• Limited carrier options
• Biased recommendations
• Incomplete comparisons
• Hidden restrictions

Get Your Custom Comparison

Request a personalized policy comparison that includes:

• Side-by-side benefit analysis
• Premium comparisons
• Financial strength reviews
• Feature differentiation
• Value assessment

Additional Resources

Company Research Links

• A.M. Best Ratings
• Standard & Poor's Ratings
• Moody's Ratings
• State Insurance Departments
• NAIC Company Database

Let us help you compare policies from leading carriers to find your optimal long-term care insurance solution. Our independent status ensures you receive unbiased recommendations focused on your needs.