The LTC Carrier File
An editorial compilation of public-record facts on eight major long-term care insurance carriers. We do not assign letter grades or rankings — we present verified data and link every figure to its source. Coverage includes NAIC complaint indices where available, current sales status, recent state-DOI rate-filing approvals, and disclosed block size. Other widely-cited metrics (claims-paid ratio, denial rate) are not publicly reported per-carrier and are deliberately omitted from this scorecard.
Carrier comparison
Eight carriers, four grounded metrics. Click any carrier name for the full file.
| Carrier | NAIC Complaint Index | Sales Status | Recent Rate Action | Block Size |
|---|---|---|---|---|
| Genworth Financial | Not located See note |
RE-ENTERED 2025 | 97% Connecticut 2022 |
$597M in-force premium (Q3 2025) · 2025-09-30 |
| John Hancock | 1.01 Kansas DOI LTC Complaints Report 2024 |
CLOSED BLOCK | 29.9% Maryland 2025 |
Top 5 carriers for stand-alone LTC in-force premium 2024 NAIC LTC Experience Reporting Forms |
| Mutual of Omaha | Not located See note |
ACTIVE | 74% (LTC04I), 98% (LTC04I7), 72% (LTC09M) Pennsylvania 2022 |
Not disclosed at LTC line |
| Northwestern Mutual | 0.00 Missouri Department of Commerce & Insurance, 2021 Complaint Report 2019–2021 |
ACTIVE | No specific approved actions located | Not disclosed at LTC line |
| New York Life | Not located See note |
ACTIVE | No specific approved actions located | Not disclosed at LTC line |
| MassMutual | Not located See note |
CLOSED BLOCK | 38.7% Pennsylvania 2022 |
72,000 in-force lives (legacy figure) · 2018 |
| Transamerica | Not located See note |
CLOSED BLOCK | 30% followed by 17.48% Pennsylvania 2022 |
More than 300,000 2012–2013 |
| Brighthouse Financial | Not located See note |
HYBRID ONLY | No specific approved actions located | Not disclosed at LTC line |
READING THIS TABLE
NAIC complaint indices shown are the most recent verified state-level values we could locate; they are not directly comparable across carriers because state market share differs. Sales status reflects standalone individual LTC; hybrid life/LTC products are detailed on each carrier file. "Recent rate action" shows one representative approved state filing — full multi-state history on each carrier page. "Not disclosed" means the carrier does not publish the figure at the LTC line level; it is not an indictment of the carrier.
Browse by carrier
Each carrier file includes complaint data, sales status, multi-state rate-filing examples, and block-size disclosure status.
Genworth Financial
Genworth Financial, Inc.
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John Hancock
Manulife Financial
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Mutual of Omaha
Mutual of Omaha Insurance Company (mutual)
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Northwestern Mutual
The Northwestern Mutual Life Insurance Company (mutual)
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New York Life
New York Life Insurance Company (mutual)
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MassMutual
Massachusetts Mutual Life Insurance Company (mutual)
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Transamerica
Aegon
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Brighthouse Financial
Brighthouse Financial, Inc.
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WHAT'S NOT IN THIS FILE — AND WHY
The metrics we deliberately don't publish
Several widely-cited "carrier scorecards" online publish metrics that are not actually reportable per-carrier from public sources. We treat that as fabrication risk and omit them here.
Claims-paid ratio
Not publicly reported on a per-carrier basis for LTC. Claims experience appears only in aggregate industry filings (NAIC LTC Experience Reporting Forms) or in carrier 10-Ks at the segment level, not as a single comparable ratio. Any per-carrier 'claims-paid ratio' published elsewhere is either inferred or fabricated. We omit it.
Denial rate
Not publicly reported per carrier. The closest proxy is NAIC complaint data by reason, but 'denial rate' as a single comparable metric does not exist in public sources. We omit it.
Average elimination period
Elimination period is a policy-design parameter chosen at purchase. It is not a carrier quality metric. We omit it.
Lawsuit count
Court-record aggregation (PACER + state courts) is fragmentary and methodologically fragile. We cover specific named legal actions in our editorial coverage but do not publish a comparable 'lawsuit count' column.
Methodology
Every datum is tied to a primary or named-secondary source (NAIC CIS, state DOI press releases, SERFF filings, carrier 10-K, named press coverage). Carrier marketing materials are not cited as evidence of product behavior. Where data is not publicly disclosed, we report 'NOT DISCLOSED' rather than estimating. We do not assign letter grades, point scores, or rankings; the Carrier File presents verified facts and lets the reader draw conclusions.
Primary sources used: NAIC Consumer Information Source (content.naic.org/cis), NAIC LTC Experience Reporting Forms, state insurance department rate-decision summaries (PA, MD, NH, CT, MA, NY, VT, FL, CA, KS, MO), carrier 10-K filings and earnings releases, ThinkAdvisor and CT Mirror named reporting, AAALTCI industry data. We do not cite carrier marketing materials as evidence of product behavior.
Update cadence: Quarterly. Each release will note material developments (new rate filings, sales status changes, complaint-index updates). See our methodology page for the full editorial process.