Draft a fictitious letter to high net-worth clients Emmy and Sam who are in their mid 50s that want more information regarding the various options at their disposal for insurance planning in terms of life insurance, long-term disability, and long-term care insurance. They currently do not have any of those three types of insurance policies and would like to protect themselves for any future events that could arise. Please go over the various options available for each type of coverage and what would make the most sense given their age and net-worth.