Coaches Coaches have helped you your whole life, in ways big and small. We’d like to be one of them. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content The Best of Both Worlds Here are a few reasons we’ve chosen to be independent. What is a Carrier? Do you know what a Carrier is? Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.