The trustee’ role basically is the caretaker of the assets for the benefit of the beneficiaries. One of the important roles of caretaker is to make sure the property is maintained and insured. The trustee will work with the insurance agent to review the overages and changes in property and circumstances to make sure the proper insurance is in place. Sometimes the insurance coverage is on the person or persons and must include evaluation of health, life, disability, long-term care and related personal insurance needs. And then when the situation arises that there is integration with Medicare, Medical or with the Affordable Care Act the trustee again must evaluate the options and collaborate experts in the field to put in place the best option(s).