Page 1 of 2 August 2018
Department of Insurance
State of Arizona
DOUGLAS A. DUCEY 100 N. 15
th
Avenue, Suite 102 KEITH A. SCHRAAD
Governor Phoenix, Arizona 85007 Interim Director
https://insurance.az.gov
List of Long Term Care Insurance Companies
The Arizona Department of Insurance provides this list
of Long Term Care Insurance (LTC) Companies to
encourage Arizona consumers to comparison shop
before purchasing a LTC policy.
Please note that this list does not represent an
endorsement of any individual company by the Arizona
Department of Insurance. This list may not include all
companies currently offering Long Term Care
Insurance in Arizona, and it may include insurers that
offer Annuities or Life Insurance with a Long Term Care
rider. Please note, many insurers offer a Long Term
Care rider only as an attachment to Annuities or
Life Insurance rather than a standalone policy and
are not listed here.
Long term Care Insurance policies vary widely in
benefits, eligibility and cost. Premiums for a Long
Term Care policy may increase substantially over the life of the contract. It is important to educate yourself
about policy options before you talk to a salesperson. Be sure to review the Long Term Care Insurance
Shopper’s Guide.
To learn about Long Term Care insurance products offered by these insurers, contact a
local insurance agent.
Insurance Company Name
Toll Free Phone
Number
Partnership
Policies*
Americo Financial Life and Annuity Insurance Company
1-844-757-7787
Bankers Life and Casualty Company
1-800-888-4918
Country Life Insurance Company
1-888-211-2555
Genworth Life Insurance Company
1-888-436-9678
LifeCare Assurance Company
1-800-366-5463
LifeSecure Insurance Company
1-866-582-7701
Massachusetts Mutual Life Insurance Company
1-800-272-2216
Mutual of Omaha Insurance Company
1-800-775-6000
New York Life Insurance Company
1-800-710-7945
Northwestern Long Term Care Insurance Company
1-800-890-6704
Provident Life and Accident Insurance Company
1-888-844-8686
Thrivent Financial for Lutherans
1-800-847-4836
Transamerica Life Insurance Company
1-800-227-3740
Verify before you buy!
STOP! Before you sign any papers or
write a check…
CALL! The Arizona Department of
Insurance at (602) 364-2499 to…
CONFIRM! The insurance agent and
insurance company are properly
licensed!
Page 2 of 2 August 2018
The State of Arizona implemented a Long-Term Care Insurance Partnership
Program, as authorized by the Deficit Reduction Act of 2005 (“DRA”), which
provides that an Arizona resident who purchases a long-term care policy that meets
the DRA requirements is subject to special rules for determining financial eligibility
for Medicaid assistance. Here are some links to additional information:
1. https://www.azahcccs.gov/Members/Downloads/LTCpartnership.pdf
2. https://insurance.az.gov/sites/default/files/documents/files/2009-05.pdf.
• Shop around for an insurance agent and an insurance company--ask friends,
family or neighbors if they recommend their insurance agent or company.
• Ask insurance agents which insurance company’s products they sell; most agents
only sell products from a few companies. Compare several different products
from several different insurance companies. You might need to talk with several
different agents.
• Carefully compare the benefits and restrictions between policies.
• Most LTC insurance premiums increase over time. Carefully evaluate whether
premium payments over a long period could be a financial hardship.
• Agents are required to give you the following documents. Be sure to review them
to help you make informed purchasing decisions:
Long Term Care Insurance Personal Worksheet (sample attached)
Potential Rate Increase Disclosure Form (sample attached)
Long Term Care Insurance Shopper’s Guide, available at
http://www.naic.org/index_consumer.htm.
• Never pay insurance premiums in cash; do not make checks payable to the
insurance agent.
• Read your policy carefully and ask follow up questions.
• Use your 30-day “Free Look” period to return a policy for a full refund if you are
not satisfied.
• Understand what a Long Term Care Partnership (LTCPP) policy is, how it differs
from non-LTCPP policies, and whether it is affordable for you.
The Arizona Department of Insurance is an Equal Employment Opportunity agency that complies with the Americans with
Disabilities Act ("ADA") and the Arizonans with Disabilities Act. Persons with disabilities may request that materials be
presented in an alternative format by contacting our ADA Coordinator at (602) 364-3100. Requests should be made as
early as possible to allow time to procure the materials in an alternate format.