Long-term insurance is an essential component of financial planning designed to provide us with the necessary cover if a crisis occurs. The following are the top ten long-term insurance plans that you need to consider today, to secure your future tomorrow.

1. Life Cover: First on the list is Life cover, known as term-life insurance. It offers financial coverage to the insured for a particular period. In case of death of the insured during the policy term, the death benefit is then paid by the company to the beneficiary.

2. Whole Life Insurance: Unlike life cover which is for a specific term, whole life insurance provides coverage for the insured's lifetime. The cover comes with a saving component, growing cash value over time which can be borrowed against.

3. Endowment Plans: This insurance plan offers the combination of both insurance and savings. On survival of the policy term, endowments pay out a lump sum. If the policyholder dies during the policy term, the death benefit will be paid out.

4. Unit Linked Insurance Plans (ULIPs): ULIPs provide a combination of insurance and investment. They invest a part of the premium paid in mutual funds, bonds, stocks, or other market instruments.

5. Child Insurance Plan: These plans secure the future of your child even in your absence. They cater for your child’s education, marriage and even provide a steady income in a situation of an unfortunate event.

6. Retirement or Pension Plans: These s plans help you secure a finacially stable life after retirement. Regular investments into these plans result in a substantial corpus upon retirement which helps to maintain the standard of living.

7. Money Back Policy: This policy offers periodic payments during the term of the policy, with the balance paid on maturity. If the policyholder dies during the term of the policy, the full-sum assured is paid regardless of the amounts already paid out.

8. Health Insurance: It provides coverage for medical expenses incurred due to illnesses or injuries. Some plans also offer coverage for diagnostic tests, surgeries, room charges in the event of hospitalization.

9. Disability Insurance: This offers income protection for individuals who become disabled for a long period and are therefore unable to work. The insurance provides financial security by replacing a portion of your income.

10. Critical Illness Insurance: Critical illness insurance provides you with a lump sum if you’re diagnosed with one of the specific illnesses or conditions on a predetermined list within the policy.

In conclusion, long-term insurance plans offer assurance of financial security and stability. It is imperative, however, to carefully review each plan and choose one that suits your specific needs and goals. The right insurance plan can help you live a worry-free life today, knowing that your future is secure.