Mutual of Omaha long-term care insurance

What they offer

Coverage type: Traditional & hybrid. Widely regarded as a leading writer of new standalone long-term care policies.

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 Mutual of Omaha scores

Our disclosed, weighted methodology scores every carrier on four criteria. Here's the breakdown for Mutual of Omaha:

Financial strength

Because a long-term care policy may be held for decades, an insurer's financial strength matters. Mutual of Omaha's A.M. Best financial-strength rating is A+, affirmed April 2, 2026 (source). Rating applies to Mutual of Omaha Insurance Company and its underwriting subsidiary, United of Omaha Life Insurance Company, which issues the MutualCare LTC products. Ratings are typically reaffirmed annually — verify Mutual of Omaha's current rating directly with A.M. Best or the carrier before you buy. See how we score carriers for the full methodology.

Visit Mutual of Omaha'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 Mutual of Omaha's current offerings with a licensed agent before making any decision. LongTermCareInsurance411 is not affiliated with Mutual of Omaha.