What are some of the best long-term care insurance ratings?

As of 2015, some of the best long-term care insurance providers are Genworth, Bankers Life, John Hancock, MetLife and Transamerica, as reported by ConsumerAffairs. Long-term care insurance covers services such as personal and custodial care, says the U.S. Department of Health and Human Services.

Policyholders of a long-term care insurance policy receive a daily amount for personal and custodial care services that assist them with daily activities, such as eating, dressing or bathing. Factors that include age, maximum daily reimbursement, number of payment days and optional benefits affect the cost of long-term care insurance, according to the U.S. Department of Health and Human Services.