Most people hope to enjoy a long and healthy life as long as it’s on their own terms, which likely includes the desire to live as independently as possible. But life doesn’t always happen according to plan. An unexpected accident, illness or injury can profoundly change your life – sometimes suddenly. And if it does, you may find yourself needing help with the tasks of everyday living. Having a plan in place for long-term care may be one of the most important steps you can take to ensure the future financial security of you and your family.