Which Long Term Care insurance company is best?
Many insurance companies sell Long Term Care Insurance. If you have auto insurance or health insurance, chances are one of those insurance companies
will sell Long Term Care Insurance. The best advice is to look for a strong insurer. Since you are buying a policy for use 20 to 30 years in the future, hunt for a company that receives high financial-safety marks
from insurance-ratings companies. Look for policies from companies that are rated B+ or higher for financial strength in the Weiss Ratings database. For $45, you can order "Shopper's Guide to Long-Term Care
Insurance" from Weiss, which provides prices and safety ratings for some but not all insurers offering policies in your state. You can also check online ratings from A.M. Best, Moody's, Standard & Poor's,
or Weiss (at www.ambest.com ; www.moodys.com ; www.standardandpoors.com ; and www.weissratings.com ). The first three services are free; Weiss charges $7.95 for each company rating online and $15 by phone. Buy only
from insurers that are rated in the top two financial-strength categories by at least two of the ratings services.
Most of the standard features that you will find in the long term care insurance
policies that you look at are required by the State Insurance Commission. You also have to look at the coverage you want in your policy. Companies offer different Long Term Care policies based on
what you can afford and what you want the policy to cover. You may want Long Term Care insurance to only help out with your expenses, or you may want it to pay everything in total.
Shop for Long Term Care insurance by first selecting two or three highly rated companies, then compare the coverage and price.
Listed below are companies that sell Long Term Care Insurance.
ALLIANZ LIFE INSURANCE COMPANY OF NORTH AMERICA ( 763 ) 765-6500
AMERICAN FAMILY LIFE ASSURANCE COMPANY OF COLUMBUS ( 800 ) 992-3522
AMERICAN NETWORK INSURANCE COMPANY ( 800 ) 362-0700 N/A
BANKERS LIFE AND CASUALTY COMPANY ( 800 ) 231-9150
BERKSHIRE LIFE INSURANCE COMPANY OF AMERICA ( 818 ) 819-2468
COLONIAL AMERICAN LIFE INSURANCE COMPANY ( 800 ) 872-3044
COMBINED INSURANCE COMPANY OF AMERICA ( 800 ) 999-2170
CONTINENTAL GENERAL INSURANCE COMPANY ( 877 ) 291-5434
CUNA MUTUAL LIFE INSURANCE COMPANY ( 800 ) 356-6006
EQUITABLE LIFE AND CASUALTY INSURANCE COMPANY ( 800 ) 352-5150
GENERAL ELECTRIC CAPITAL ASSURANCE COMPANY ( 888 ) 436-9678
GREAT AMERICAN LIFE INSURANCE COMPANY ( 800 ) 880-2745
GUARANTEE TRUST LIFE INSURANCE COMPANY ( 800 ) 323-6907
JOHN HANCOCK LIFE INSURANCE COMPANY ( 800 ) 543-6415
KANAWHA INSURANCE COMPANY ( 800 ) 942-7355
LINCOLN BENEFIT LIFE COMPANY ( 800 ) 525-9287
LOYAL AMERICAN LIFE INSURANCE COMPANY ( 800 ) 633-6752
MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY ( 800 ) 272-2216
MEDAMERICA INSURANCE COMPANY ( 800 ) 544-0327
METROPOLITAN LIFE INSURANCE COMPANY ( 888 ) 565-3761
MUTUAL OF OMAHA INSURANCE COMPANY ( 800 ) 775-6000
NATIONAL STATES INSURANCE COMPANY ( 314 ) 878-0101
NEW YORK LIFE INSURANCE COMPANY ( 800 ) 224-4582
NORTHWESTERN LONG TERM CARE INSURANCE COMPANY ( 800 ) 890-6704
PENN TREATY NETWORK AMERICA INSURANCE COMPANY ( 800 ) 362-0700
PHYSICIANS MUTUAL INSURANCE COMPANY ( 800 ) 645-4300
PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY ( 800 ) 331-1538
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA ( 800 ) 732-0416
SOUTHERN FARM BUREAU LIFE INSURANCE COMPANY ( 800 ) 457-9611
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY ( 0 ) Contact Local Agent
THE STATE LIFE INSURANCE COMPANY ( 800 ) 428-2316
UNICARE LIFE & HEALTH INSURANCE COMPANY ( 800 ) 683-2273
UNITED TEACHER ASSOCIATES INSURANCE COMPANY ( 800 ) 880-8824
WOODMEN OF THE WORLD LIFE INSURANCE SOCIETY ( 800 ) 328-2969
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