Sales status
Actively sellingstandalone traditional
In a market almost everyone abandoned, Mutual of Omaha is the last major carrier still genuinely committed to selling traditional, standalone long-term care coverage — and doing it in all 50 states. That alone makes it the default name in the category. The honest caveat: "traditional" still means the premium is not guaranteed for life.
Dependable, flexible coverage from a Fortune 500 mutual that's paid long-term care claims for over 30 years — with stable pricing, couples discounts, and the choice of reimbursement or cash benefits. The safe, established pick.
Mostly holds up — and its willingness to keep writing standalone coverage is genuinely valuable, because almost no one else does. Current MutualCare forms have a relatively clean pricing history. But "traditional" LTC means premiums can be raised with state approval, Mutual of Omaha has raised rates on older policy forms it sold in the past, and nothing guarantees today's forms stay level forever.
MutualCare Secure Solution is the straightforward option — a traditional reimbursement policy with monthly benefits (historically $1,500–$10,000, with higher maximums added on newer forms), covering nursing home, assisted living, adult day care, hospice, and in-home care. MutualCare Custom Solution is the build-your-own version: the same core coverage plus more inflation choices, return-of-premium riders, higher benefit maximums, a cash-benefit option, and an inflation "buy-up" that lets you raise coverage later without new underwriting.
Both include an Alternate Care benefit for treatments that don't exist yet and an International benefit (up to 12 months of coverage abroad). Discounts are meaningful: up to 15% for couples who both buy, plus a preferred-health discount. The recommended buying window is your 40s to early 60s, when premiums are far lower and you can still qualify medically.
Mutual of Omaha markets premium stability, and its recent record supports that relative to the Genworths of the world. But a buyer should understand the category risk clearly: this is traditional long-term care insurance, the same product type that generated the industry's rate-increase crisis. Premiums are not contractually locked for life; they can be raised on a whole class of policyholders with regulator approval. Mutual of Omaha has done exactly that on older forms in the past. Its current pricing is more conservative, which lowers the odds of a repeat — but "lower odds" is the honest ceiling, not "impossible."
The bottom line: if you want pure, dedicated long-term care coverage without bundling in life insurance, Mutual of Omaha is the most credible standalone option left, from a financially strong carrier. Buy in your 50s, take the couples discount if you can, and budget for the possibility of future increases rather than assuming a fixed bill. If a guaranteed-level premium matters more to you than pure LTC, a hybrid is worth comparing.