Jim Cates of GracePoint Insurance is uniquely qualified to assist individuals in determining if Long Term Care Insurance is an appropriate way to protect their assets and income from the devastating effect of a need for long term health care. An educator at heart, Jim takes the time to help people understand the options available to them and guides them to the path that best fits their needs and budget. Jim is also well qualified to help people maximize their health insurance dollars using Health Savings Account qualified health plans.