CareScout (Genworth) long-term care insurance

What they offer

Coverage type: Traditional. CareScout also publishes the widely cited annual Cost of Care Survey.

Long-term care coverage falls into two families — traditional standalone policies and hybrid (linked-benefit) policies. See types of plans for how they differ.

How CareScout (Genworth) scores

Our disclosed, weighted methodology scores every carrier on four criteria. Here's the breakdown for CareScout (Genworth):

Financial strength

Because a long-term care policy may be held for decades, an insurer's financial strength matters. CareScout (Genworth)'s A.M. Best financial-strength rating is Not independently rated, affirmed January 25, 2025 (the reinsurer's rating, not CareScout's own) (source). CareScout Insurance Company is a newly licensed entity with no A.M. Best rating of its own. Genworth's own announcement states policies are backed by a reinsurance agreement with an unnamed reinsurer rated A+ by A.M. Best as of Jan. 25, 2025 — but "the reinsurer will not have direct obligations to policyholders... and the reinsurance may be modified or terminated in the future" (Genworth's own wording). That is a materially different, and currently harder to verify, claims-paying structure than a directly rated carrier. Ratings are typically reaffirmed annually — verify CareScout (Genworth)'s current rating directly with A.M. Best or the carrier before you buy. See how we score carriers for the full methodology.

Visit CareScout (Genworth)'s website

Please note: This profile is general information, not an offer of coverage or an endorsement. Product availability, features, and pricing vary by state, age, and health, and change over time. Confirm CareScout (Genworth)'s current offerings with a licensed agent before making any decision. LongTermCareInsurance411 is not affiliated with CareScout (Genworth).