New York Life long-term care insurance
One of the largest mutual life insurers in the U.S., offering both standalone and hybrid long-term care coverage.
5 / 5 — Excellent
What they offer
Coverage type: Traditional & hybrid. Also underwrites the AARP-branded long-term care insurance program.
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 New York Life scores
Our disclosed, weighted methodology scores every carrier on four criteria. Here's the breakdown for New York Life:
| Criterion | Score |
|---|---|
| Financial strength | 5 / 5 |
| Actively writing new business | 5 / 5 |
| Product breadth | 5 / 5 |
| Rating stability | 5 / 5 |
| Overall (weighted) | 5 / 5 — Excellent |
Financial strength
Because a long-term care policy may be held for decades, an insurer's financial strength matters. New York Life's A.M. Best financial-strength rating is A++, affirmed July 23, 2026 (source). Ratings are typically reaffirmed annually — verify New York Life's current rating directly with A.M. Best or the carrier before you buy. See how we score carriers for the full methodology.
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 New York Life's current offerings with a licensed agent before making any decision. LongTermCareInsurance411 is not affiliated with New York Life.
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