Addressed as one of the biggest concerns to an aging population and their net worth, Long-Term Care is integral in our planning.  The proper long-term care plan can create a lasting legacy for your clients and your practice. All too-often we find that both consumers and financial advisors are scared from a history of raising premiums, products leaving the market, and non-guaranteed features, leaving them thinking that Self-Insuring is the best option.  Education is key to proper long-term care planning. There is no one size fits all approach here, especially with an ever changing product landscape. Partnering with the financial advisor to understand their client’s whole financial picture is the first step. Being product agnostic allows us to take into consideration the financial picture of the client, the financial integrity of the company, the underwriting, and product design to create the perfect solution.