A lengthy nursing home stay can be expensive, and if you don’t qualify for Medicaid, you may need to draw down your assets to pay for it. You may choose to leave a life insurance policy behind to help your loved ones cover final expenses and replace some of the assets that were used to fund nursing care. But can nursing homes take your life insurance from your beneficiary? The short answer is no, a nursing home cannot lay claim to your life insurance policy if you’ve taken the necessary precautions. We explain more below but you may also want to work with a financial advisor to help set you your estate up with the right insurance for your retirement and long-term care needs.