Best Long-Term Care Insurance

Why You Should Trust Us

Investopedia’s financial product reviews are based on unbiased research and analysis by our staff. This list of top long-term care insurance companies is based on data from 11 companies, evaluating coverage, financial strength, customer complaints, and other features to help you choose the best provider. Investopedia has been a trusted source of financial information since 1999 and has reviewed long-term care insurance companies since 2020.

How We Chose the Best Long-Term Care Insurance Companies

Investopedia’s list of the best long-term care insurance companies is based on research of 11 companies. Each company had to meet Investopedia’s standards for online transparency and financial strength to be included.

We collected 32 data points from each company from company web pages, media representatives, rating agencies (AM Best and the National Association of Insurance Commissioners), and customer service calls. The research took place from April 2 to April 24, 2025.

Staff editors and research analysts then scored each company using a weighted quantitative model based on eight major categories. We weighted the categories as follows: 

• Coverage limits: 38%
• Financial strength: 15%
• Customer complaints: 10%
• Types of care covered: 10%
• Online claims: 10%
• Riders: 9%
• Discounts: 4%
• Standalone policy availability: 4%