Long Term Care Insurance Long term care insurance has become a hot topic recently. Concerns about rising health care costs, reduced benefits, and longer life expectancies have forced millions of families to rethink their ability to pay for the potentially devastating costs that occur when a loved one can no longer take care of themselves. A family must first decide whether they want to (or can afford to) have long term care insurance. The next decision is to understand what options are available and which one best suits the family’s unique needs. Current health status, age, a spouse’s or child’s ability to assist, financial assets, and desired lifestyle all have an impact on which long term products would work best and be most cost-effective. Our licensed long term care professionals will evaluate your goals and align them with the products that will help meet your needs now and down the road.