MO
Mutual of OmahaBest for older applicants
Accepts applicants older than many competitors.
- High maximum issue age
- Couples discounts
- Traditional premiums can rise over time
Long-Term Care Insurance · Updated October 2026
Mutual of Omaha vs Nationwide (2026)
Both are popular long-term care insurance choices. Here's how they compare on daily benefit · elimination period · inflation rider, and which one fits which shopper.
The quick verdict
- Mutual of Omaha Best for older applicants Accepts applicants older than many competitors.
- Nationwide Best for linked benefits Its linked-benefit design keeps value for your family even if care isn't needed.
N
NationwideBest for linked benefits
Its linked-benefit design keeps value for your family even if care isn't needed.
- Guaranteed death benefit
- Flexible benefit amounts
- Requires a larger premium commitment
Side-by-side comparison
MO | N | |
|---|---|---|
| Policy type | Traditional | Linked benefit |
| Issue ages | Up to 79 | Up to 75 |
| AM Best | A+ | A+ |
| Visit site | Visit site |
Also consider
- New York Life · Best hybrid life + LTC
What to compare before you choose
- Daily or monthly benefit. The maximum the policy pays per day or month of care. Compare it with care costs where you live.
- Elimination period. The waiting period before benefits start, often 30 to 90 days. Longer periods lower premiums.
- Inflation protection. Care costs rise over time. An inflation rider helps the benefit keep pace.
- Traditional vs. hybrid. Hybrid life/LTC policies pay a death benefit if care is never needed, but cost more upfront.
Compare all long-term care insurance providers that serve your ZIP code.
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