Lisa Horowitz, CLU, ChFC, has had her own insurance practice for 29 years. As a highly experienced broker, she specializes in negotiating across many health industry platforms such as life insurance, long term care, Medicare, and all its iterations. In this capacity, she has worked with individuals and families to integrate their insurance needs with every area of life, including retirement, estate planning, building and maintaining small businesses, transfer of property after divorce, or life altering illness. As a result, her expertise also extends to management of long term and end of life care, which includes accumulation and liquidation of estates. Finally she is expert at navigating the worlds of public and private health related benefits. Her resources include partnerships with estate planners, hospitals and facilities, social workers, hospices, attorneys, accountants, financial planners, insurance brokers, gay & lesbian groups, women’s groups, caregiver support groups, and parenting networks.