Brown University - Insurance Companies

John Hancock Life Insurance Company — A name people know and trust

Backed by one of the most recognized and respected names in the financial services industry, a John Hancock long-term care (LTC) insurance policy represents a promise - to provide the best and most comprehensive coverage, support and service, when and where you need care.

MassMutual
The Massachusetts Mutual Life Insurance Company (MassMutual) has financial ratings which are among the highest in the industry.

A.M. Best A++ (Superior)
Standard & Poor’s AAA (Extremely Strong)

MassMutual provides competitive contractual features and policy holders are scheduled to receive annual dividends (not guaranteed) which can substantially reduce premium costs in future years. In 2007 MassMutual paid out 1.37 billion dollars in dividend payments to it’s policyholders.

Unum is the original long-term care insurance carrier at Yale. Guarantee issue is available for newly eligible employees who apply within 30 days of their initial hire date. Unum is the largest disability carrier in the world, and they have made a major commitment to long-term care insurance.