The main advantage of the Mass Mutual policy is you are buying a policy with an A++ rated mutual company with a history of rate stability.
Mass Mutual has sold long term care insurance since 2000 and Mass Mutual has not once requested a single rate increase in any State on any policy that it has ever sold.
Mass Mutual is a mutual company owned by its policyholders. This is critically important. Long term care insurance has received countless headlines regarding rate increases that have been requested and approved by state insurance commissioners.
To date the rate increases that have been approved have primarily been requested by stock companies (owned by shareholders) such as John Hancock, Genworth, Met Life, Prudential, Transamerica, Allianz, CNA, et al, although in recent years Northwestern Mutual and New York Life have also requested rate increases.
Mass Mutual have yet to request any rate increases.
There is no guarantee that this rate stability will continue forever, but I feel that it is a much less risky proposition to align yourself with an A++ rated mutual company such as Mass Mutual.