have been doing ltc for some time now and was originally a career agent with met, so i am familiar with their product. but am curious as to which carriers you guys use and are comfortable with. i am also wondering if anyone has info on thrivent (other than the fact that they are not a huge player) and NML (other than they are expensive). i have been looking pretty much exclusively at Met and Hancock due to history of claims paying ability and rate increases, or lack there of. my general agency has been pushing mutual of omaha, but i am shying away from the new kid on the block with low prices. thanks.