care insurance companies

Best for seniors: New York Life
New York Life is a good choice for seniors in need of long-term care coverage. The insurer offers traditional policies, as well as a life insurance policy with add-on long-term care options. If the additional long-term care benefits are not used within a certain time period, you'll get the premiums for that coverage back in full.

Best for policy customization: Mutual of Omaha
Mutual of Omaha is your best bet if you want to personalize your policy for your specific needs. Not only does the company offer standard long-term care insurance with a built-in care coordinator, but you can also add on benefits like inflation protection, which increases your benefits based on the rising costs of care annually, and return of premium add-on that return your premiums — minus the benefits you used — at the end of your term. You can also opt for shared care to extend your benefits to a spouse or partner