Who still sells long-term care insurance in 2026
The long-term care market has shrunk dramatically. Many household names stopped selling new individual policies years ago — these are the carriers still writing coverage today.
A market that has consolidated
A decade ago, dozens of insurers sold long-term care insurance. Since then, most exited the individual market — including MetLife, John Hancock, Prudential, Unum, CNA, and Transamerica — as claims and interest-rate pressures reshaped the industry. A few carriers now do most of the new business, alongside a growing set of hybrid (life or annuity combined with long-term care) options. The carriers below are the ones actively writing new policies.
Long-term care insurers we compare
Carriers actively writing new long-term care or hybrid policies in 2026. Product availability varies by state, age, and health — a licensed agent confirms what you qualify for.
- Mutual of Omaha Traditional & hybrid
- New York Life Traditional & hybrid
- Northwestern Mutual Traditional
- Bankers Life Traditional
- Thrivent Traditional
- National Guardian Life (NGL) Traditional
- CareScout (Genworth) Traditional
- Lincoln Financial Hybrid
- Nationwide Hybrid
- OneAmerica Hybrid
- Pacific Life Hybrid
How to read insurer ratings
Because you may hold a policy for decades before you ever file a claim, a carrier's financial strength matters. Independent agencies rate insurers on their ability to pay future claims:
- AM Best — the rating agency focused specifically on insurers (A++ down to D).
- Moody's, S&P Global, and Fitch — broader agencies that also rate insurer financial strength.
Look for strong, stable ratings from more than one agency. A licensed agent can walk you through a specific carrier's ratings and how its policies compare.
Individual carrier profiles are on the way. For now, a free comparison is the fastest way to see which of these carriers fits your situation.
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