Carnegie Mellon - Insurance Companies

John Hancock

John Hancock Life Insurance Company led the industry in long-term care insurance sales this past year. They have over 1,000,000 LTC insurance clients and offer innovative insurance options such as a CPI-based inflation option, caregiver support services, and consumer protection provisions. John Hancock is a unit of ManuLife Financial, and they maintain extremely strong claims paying ratings from Standard & Poor's and A.M. Best.

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.