Long Term Care Insurance The family dynamics have changed over the last 100 years. Who will take care of Mom & Dad? It can be a difficult and emotional conversation. Would you want your family to take care of you? Having long term care insurance helps maintain dignity and quality of life for the entire family, first and foremost. Secondly, it helps protect assets and potentially preserve the passing on of wealth to the next generation. It aids in helping to manage the unknown, because Medicaid and Medicare may not be options. As an independent insurance agent, I am able to find the best policy options suited for your needs from several industry leading companies.