Plan for long-term care with clear answers and honest numbers.
Long-term care insurance is confusing, and the market has changed a lot. We explain how it works in plain English — then help you compare real costs from the carriers still writing policies today.
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 & hybrid
- NGL Insurance Company (formerly National Guardian Life) Traditional
- CareScout (Genworth) Traditional
- Lincoln Financial Hybrid
- Nationwide Hybrid
- OneAmerica Hybrid
- Pacific Life Life insurance with LTC rider
Explore the essentials
Learning Center
What long-term care is, who needs it, and how policies actually work.
What it costs
Care costs by type, age, and state — and what really drives your premium.
Carriers
The insurers still selling coverage in 2026, and how they compare.
Types of plans
Traditional, hybrid, and linked-benefit — which structure fits your situation.
Ways to save
Practical ways to lower your premium and make your benefits go further.
Resources
Guides, checklists, and official help for planning ahead with confidence.
Three simple steps
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Learn the basics
Read plain-English guides so you understand your options before anyone calls.
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Compare real costs
Tell us a little about yourself and get a free, no-obligation cost comparison.
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Talk to a licensed agent
If it makes sense for you, connect with a licensed professional to finalize coverage.
Could this be your family's story?
Long-term care isn't a statistic — it's a spouse, a daughter, a Tuesday afternoon. These are true stories of families who lived it, from a sudden illness in mid-life to nearly twelve years of care.
When "long-term care" lasts twelve years
After a massive stroke at 75, Ulrich needed care for nearly twelve years — all at home, provided by his wife and family. Most care is short; someone is always the long case.
When family love isn't enough
Ula's daughter cared for her at home for more than three years after a dementia diagnosis — until the disease outgrew what one person could safely give, and costly memory care took over.
When there's no one to be the caregiver
Wesley never married and had no children. When prostate cancer meant he needed help, he relied on paid home aides and then assisted living — the reality for anyone without a built-in family caregiver.
Get The LTC411 Guide — free
Our complete, flagship guide — costs, every coverage option, taxes, Medicaid, elder law, caregiving, and how to choose, all in one place. Get it right here — no extra click.
Ready to see what coverage could cost you?
Free cost comparison
See personalized long-term care insurance costs from the carriers still writing new policies in 2026 — no obligation and no pressure.
Request a free, no-obligation cost comparison