The long-term care insurance market is just beginning to receive the attention it deserves.  Advances in medical care have resulted in longer life spans, but have left many with nursing home and assisted care expenses that cannot be paid.  Medicaid (TennCare in Tennessee) may cover some of these expenses, but patients must "spend down" their assets before receiving coverage.  This often leaves family members (particularly spouses) with reduced incomes and reduced inheritances.  These problems can be avoided through asset-protecting long-term care coverage.  We offer traditional LTC insurance to meet such needs. Often, however, little-known (but highly regarded) LTCI that provides asset protection AND financial gain for insureds WITHOUT the normal use-it-or-lose-it proposition is more appropriate.