Although adult children don't have a legal obligation to take care of their parents, they often feel an emotional or moral responsibility.
Denise Yuu, a rep with Salomon Smith Barney in Hartford, Conn., works mostly with 40- to 60-year-olds - the sandwich generation. She finds that adult children are willing to help older parents fund long-term care insurance. "The children kick in to make sure they're covered," she says. "Everybody rests easy when mom and dad are taken care of and have a choice of facility."