Hybrid LTC Plan Comparison
Most agents sell one or two hybrid Long Term Care Insurance carriers. We're independent — we quote eleven side-by-side. Filter by what actually matters to you, see the honest trade-offs every carrier makes, and shortlist what fits.
Find Your Plan in 30 Seconds
Four questions. Three carrier recommendations. A quick triage to narrow the field before you dig into the full comparison below.
All 11 Hybrid Plans, Filterable
Toggle the filters that fit your situation. Plans that don't match drop out of view. Click any plan card to add it to the side-by-side comparison.
- Issue ages
- 40–75
- Elimination
- 90 days
- LTC payment
- Cash indemnity
- International
- 100%
Why it's on the list: The benchmark for cash indemnity plus international travel coverage.
- Issue ages
- 40–80
- Elimination
- 90 days
- LTC payment
- Cash or reimbursement
- International
- Partial
Why it's on the list: Still available where SecureCare IV isn't approved yet. Issues up to age 80.
- Issue ages
- 30–79
- Elimination
- 0 days
- LTC payment
- Cash or reimbursement
- International
- Facility only
Why it's on the list: Fastest underwriting in the industry, zero-day elimination, and client choice of cash or reimbursement at claim.
- Issue ages
- 30–79
- Elimination
- 90 days
- LTC payment
- Cash or reimbursement
- International
- Facility only
Why it's on the list: Market-based LTC pool with client choice of cash or reimbursement at claim.
- Issue ages
- 30–70
- Elimination
- 90 days
- LTC payment
- Cash indemnity
- International
- Partial
Why it's on the list: Cash indemnity, retroactive day-91 refund, and automatic waiver of premium.
- Issue ages
- 30–70
- Elimination
- 90 days
- LTC payment
- Cash or reimbursement
- International
- Partial
Why it's on the list: The only true joint-life hybrid — one policy, both spouses, shared benefit pool.
- Issue ages
- 35–80
- Elimination
- 90 days
- LTC payment
- 75% indemnity
- International
- Facility only
Why it's on the list: Optional Lifetime Continuation of Benefits — only hybrid with truly unlimited extension.
- Issue ages
- 35–69
- Elimination
- 90 days
- LTC payment
- Cash indemnity
- International
- 100%
Why it's on the list: Indexed UL chassis with cash indemnity and full international coverage.
- Issue ages
- 35–75
- Elimination
- 90 days
- LTC payment
- Reimbursement
- International
- None
Why it's on the list: Highest financial strength rating (A++) plus dividend potential as a mutual.
- Issue ages
- 30–75
- Elimination
- 0 days
- LTC payment
- Reimbursement
- International
- Facility only
Why it's on the list: A++ financial strength rating, all-state availability, and strong home modification benefit.
- Issue ages
- 40–75
- Elimination
- 84 days
- LTC payment
- Reimbursement
- International
- None
Why it's on the list: Mutual company with strongest dividend history. Whole life death benefit growth over decades.
Compare Side by Side
Add up to four plans from the cards above. 16 feature dimensions per plan, with the honest trade-off included for each.
Our take: Feature comparisons get you to the shortlist. Premium quotes get you to the decision. We shop all of these for every quote — your numbers, your state, your health, on one page.
Best Fit by Situation
Eight situations we see often. Our top pick plus a runner-up for each. Not one-size-fits-all — but a useful starting point.
The Couple Who Travels Abroad
Snowbirds, retirees with property overseas, or just three months a year in Italy.
Only true 100% international coverage with no restriction on care type — home health or facility, anywhere.
Also worth considering: Brighthouse SmartCare (100% with US-physician prescription)
The Healthy 55-Year-Old Who Wants Speed
Few medications, wants to lock in pricing while young, doesn't want bloodwork.
Fastest underwriting in the industry — no labs, no APS, real-time approval possible. Lowest premium for the benefit.
Also worth considering: Securian SecureCare IV (also no labs)
The Couple Wanting One Shared Policy
Both spouses healthy, want simplicity of one application, one premium, shared benefit pool.
The only true joint-life hybrid in the market today. One policy, both spouses, shared pool, automatic waiver of premium.
Also worth considering: OneAmerica Asset-Care (joint option, but requires full underwriting)
The Applicant With Diabetes or BP Issues
Routine medications, not declined elsewhere, just wants the most forgiving underwriting.
Most forgiving streamlined UW in the market. No labs unless absolutely necessary.
Also worth considering: Securian SecureCare IV (streamlined UW, APS for cause only)
The Death-Benefit-First Buyer
Long Term Care is a hedge — the death benefit to heirs is the main goal.
Mutual whole life chassis with the strongest dividend history. Death benefit grows over decades.
Also worth considering: MassMutual CareChoice (A++ mutual), OneAmerica Asset-Care
The Investor Who Wants Market Upside
Comfortable with some complexity, wants the LTC pool to grow if equity markets do.
Indexed UL chassis with S&P 500 participation. LTC pool grows with market gains, principal protected from market losses.
Also worth considering: Lincoln MoneyGuard Market Advantage (variable UL — more upside, more risk)
The Applicant Who's Been Declined Elsewhere
Type II diabetes uncontrolled, recent cancer, memory concerns — traditional underwriting is off the table.
If you can't qualify for any of the 11 hybrids on this page, the conversation pivots to annuity-based Long Term Care riders with no medical underwriting.
Also worth considering: We cover those on the LTC Annuity page
The Single Applicant Over 75
Most carriers cap at 75. Need to find one that takes older issue ages.
Issue ages up to 80 (vs SecureCare IV's 75). OneAmerica Asset-Care also goes to 80.
Also worth considering: OneAmerica Asset-Care (35–80, but full underwriting required)
See Real Quotes from Every Carrier
As independent brokers, we shop all eleven hybrid carriers alongside traditional and annuity-based options. We'll show you side-by-side numbers based on your age, health, and state — no obligation.
Or call 1-800-800-6139
Educational comparison only. This page summarizes high-level features and is not a substitute for a policy illustration or formal quote. Product availability and features may vary by state. Premium pricing depends on health, gender, tobacco use, exact age, and design choices not shown here. Insurance policy guarantees are subject to the financial strength and claims-paying ability of the issuing carrier.
Data sources: LTC Tree internal review of each carrier's product literature. Feature lists are summaries — refer to each carrier's contract for full terms, exclusions, and limitations.
LTC Tree is an independent insurance brokerage licensed in all 50 states. We are compensated by carriers when a policy is placed, at standard rates set by each carrier — so we have no financial incentive to recommend one over another.