When was the last time you discussed insurance with a financial advisor who wasn't trying to sell you something?  Well, as a Fee-Only advisor, I don't sell any products.  But I do advise my clients about life insurance, long term care insurance, disability insurance, and any other insurance questions you may have.  Should you hold onto your current whole life policy or cash it in and buy term?  Are those expensive long term care insurance policies worth it, or should you take your chances?  What happens if you go into a nursing home - will Medicaid pay your expenses, and what about your spouse?  These and many other issues are all addressed for my clients.