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 New York Life (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.
- New York Life Best hybrid life + LTC A hybrid policy pays a death benefit if long-term care is never needed.
NY
New York LifeBest hybrid life + LTC
A hybrid policy pays a death benefit if long-term care is never needed.
- Top financial strength rating
- Death benefit if care isn't needed
- Higher upfront cost than traditional coverage
Side-by-side comparison
MO | NY | |
|---|---|---|
| Policy type | Traditional | Hybrid life/LTC |
| Issue ages | Up to 79 | Up to 75 |
| AM Best | A+ | A++ |
| Visit site | Visit site |
Also consider
- Nationwide · Best for linked benefits
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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