The Long Term Care insurance market has a new player. While other carriers are leaving, Assurity Life Insurance Co. has decided to become a presence with its AssurityBalance Long-Term Care Insurance policy for individuals. The policy has two base options: a facility care-only option and a comprehensive option that covers facility care, home care and community-based care. Both options allow for joint coverage with up to an 80 percent premium discount. A simple or compound inflation rider also is available.