Long-Term Care & Life Insurance More and more of our clients are concerned about the high costs for long-term care and how it may adversely impact their financial plan. They see the potential need for long-term care insurance. Many people have become what is called “the sandwich generation” because they are taking care or have taken care of elderly parents while supporting their own children as well. They have become acutely aware of the high costs to hire a caregiver in a home environment or having to utilize assisted living care and/or nursing home facilities. We can help you evaluate your risks and determine your needs for long-term care insurance, life insurance, disability and health coverage. We can do an analysis in your retirement or wealth plan to assess what the impact would be if something unexpected should happen and how you can mitigate those risks. By knowing your financial situation and your personal concerns, we can provide objective guidance in the selection and implementation of the appropriate insurance coverage. David Twombly serves as an independent insurance broker on your behalf in helping you obtain the appropriate insurance coverage with highly rated companies with very competitive rates. Please keep in mind insurance companies alone determine insurability, and some people, for their own health or lifestyle reasons are deemed uninsurable.