Selecting an Insurance Company
You will own your policy for many years, so choosing an insurance company which will stand the test of time is important. Your insurance agent should be able to provide you with a choice of carriers and make recommendations. Often, an applicant's health history will narrow the choice, which points out the wisdom of considering insurance at earlier ages.
Doing your own research and asking questions will provide needed information. Here are some specific questions you may want to ask:
- How long has the company been selling Long Term Care Insurance?
- Tell me about the financial strength and credit history?
- How do the companies compare?
- Tell me about the company's history of rate increases?
Fortunately, ACSIA® has taken great care in selecting our portfolio of Long Term Care Insurance companies. Our agents specialize in Long Term Care Insurance and are trained in product and company selection. They are aware of all policies available in the marketplace, their benefits and costs. This greatly helps in the process of tailoring the best and most economical policy.
Insurance Carriers
ACSIA® is proud to represent the top carriers in the Long Term Care Insurance industry. We have carefully selected our carrier partners based on their experience, ratings and customer credibility. They have demonstrated to us that they are committed to their policyholders through policy benefits, premium pricing and claims-paying history. We are proud to be associated with them.
www.allianz.com
Allianz Life Insurance Company of North American is a leading provider of fixed and variable annuities and life policies. Based in Minneapolis, but with a worldwide reputation and asset base, Allianz has long been recognized as a multi-product financial services company.
www.genworth.com
Genworth Financial is a leading insurance holding company, serving the lifestyle protection, retirement income, investment and mortgage insurance needs of more than 15 million customers globally. The company's Long Term Care Insurance Division is a leading provider of long term care insurance in the U.S., having helped pioneer long term care insurance more than 34 years ago, and today serving the needs of more than one million policyholders.
John Hancock Life Insurance Company
John Hancock Life Insurance Company is one of the most respected, well-known Long Term Care Insurance carriers. They are an industry leader with one of the largest numbers of policyholders compared to industry peers. Policyholders benefit from the financial strength and innovative plan designs that are hallmarks of John Hancock's continued success.
www.medamerica.com
MedAmerica is a wholly owned subsidiary of a prominent not-for-profit health insurer with more than 65 years of service to more than 2 million people. They have been offering quality Long Term Care Insurance products to employer groups and individuals for over 15 years.
www.metlife.com
For 140 years, MetLife has been insuring the lives of the people who depend on us. Our success is based on our long history of social responsibility, strong leadership, sound investments, and innovative products and services.
www.mutualofomaha.com
Mutual Of Omaha Mutual Of Omaha has been in business for almost one-hundred years. As a company that has been helping people plan for their future long-term care needs since 1987, Mutual of Omaha is a wise choice for individual long-term care insurance.
United of Omaha Life Insurance Company
United of Omaha Life Insurance Company offers a diversified portfolio of life insurance, fixed annuities and other insurance and financial services products through Mutual of Omaha's agency sales force, group sales offices and independent agent networks.
www.prudential.com
Prudential Insurance division conducts its business through the Individual Life, Individual Annuities and Group Insurance segments. This three tier system allows Prudential to cover all your group life, long-term and short-term group disability, long term care, and corporate- and trust-owned life insurance. .
www.transamericaltc.com
Transamerica Life Insurance Company has been in business for over 100 years. Since 1987, Transamerica Life has been marketing, selling and servicing Long Term Care insurance products making it one of the most experienced companies in the Long Term Care insurance industry. Transamerica Life offers its products through both individual and multilife channels.
www.goldenrule.com
Since 1940 Golden Rule Insurance Company has been providing a variety of insurance products. They have a unique approach to Long Term Care by combining life insurance, cash accumulation and Long Term Care into one package. A solid company history and innovative products help put Golden Rule on the map.
www.gilico.com
Guaranty Income Life Insurance Company (GILICO) offers competitive life insurance, long-term care, and annuity products and services to help families meet their financial needs, including wealth protection and wealth creation, today and in the future.
www.legacynet.com
Since 1993, Legacy has sold more than $15 billion in fixed annuity premium through its nationwide network of independent agents. Known as an innovator in the industry, Legacy has created fixed annuity products with an unbeatable combination of growth potential and principal protection—securing the best possible products to fit a wide range of customer needs.
www.lifeofsouthwest.com
LSW is the trusted leader in traditional fixed and indexed annuities. SecurePlus TLC, an interest indexed annuity, and RetireMax TLC, a traditional fixed annuity, are excellent single premium deferred annuities. LSW is a member of The National Life Group. A dynamic and growing family of financial service companies offering products and services which help individuals and businesses meet their financial goals.
www.sunlife-usa.com
Sun Life Assurance Company of Canada, a member of the Sun Life Financial group of companies, began operating in the U.S. in 1895. Since then, the company has grown and expanded in the U.S. and now the Sun Life Financial group of companies sells a wide variety of innovative wealth accumulation and protection products to individuals and businesses throughout the country.