Best long-term care insurance companies

Best for discounts: Northwestern Mutual
If you're looking for a company that offers plenty of discounts to lower your premiums, then Northwestern Mutual is a great option. Northwestern offers a 15% discount — for both you and your partner — if you each have a long-term care policy with the company. There are also discounts depending on how you pay your premium.

Northwestern's policies come in as both standalone policies and hybrid ones, which combine a whole life insurance policy with a long-term care rider.