For all of us as we age, the likelihood of experiencing a disability requiring long-term care increases over time. Preparing for this likelihood is one of the most important issues to address in planning our future. It's a fact of life that long-term care insurance is expensive – because the cost of long-term care can be enormous. Like most insurance products, it is priced according to the probable risk to the insurance company, and with half of all seniors requiring long-term care at some point in their lives, that risk is substantial. With that in mind, The LifeStyle Solutions Plan offers a number of benefit and coverage options that allow you to tailor your Plan to fit your needs and your budget.