You may have not heard of Long Term Care insurance and this can be due to a number of reasons . The insurance industry does a terriblejob promoting this product as well most of the insurers do not offer this coverage . So why bother with this coverage ? What if you were in an accident and needed long term care do you have enough money to pay for care ? Let’s assume you are about to retire and your investment adviserhas created a nice spreadsheet showing you you will have enough money to enjoy a comfortable retirement . What happens if you get a illness and need long term care ? Throw out your spreadsheet as now it is a not so good reality . Unfortunately investment advisers are missing this need as they are often focused on managing as much money as they can and see long term care insurance premiums being better use inside their investment portfolio so long term care is not looked at . We are risk management specialist and we make sure you do not run out of money !