Long term care insurance planning continues to evolve and remains a popular supplement to self insuring.  As mortality rates continue to decrease and the cost of medical care increases,  properly designed long term care plans can produce significant savings to one’s estate and serve as an effective risk management and asset protection tool.  Due to wavering carrier commitment as well as rapidly increasing product innovation, the need for a strategic partner to see the long term care market at an expert level is more important now than ever.