Anyone who has had a friend or a relative in an Assisted Living Facility, or a Nursing Home, knows how expensive it can be. An Assisted Living Facility usually cost between $3,500 and $5,000 per month. Nursing Homes cost between $8,000 and $10,000 per month. Wow! That's real money, and it goes fast.

You probably also know that healthcare is one of the fastest growing costs, so that in 10 to 20 years it will easily be over $15,000 per month. For most people, this will take all they have saved, plus their house. Each year, over 1,000,000 seniors literally go bankrupt because they cannot afford to pay for their Long Term Care health expenses. It is collectively a greater tragedy than Hurricane Katrina, the Midwest floods, and the California forest fires put together, yet it does not get the press those other tragedies get.

Long Term Care Insurance is Health Insurance, pure and simple. For most people, health insurance is a must and many are lucky enough to have their employer pay some or all the cost until they retire or reach age 65. Then what? Choose to have no LTC Insurance, just when you need it the most.

Would you drop your house insurance at age 65? Of course not, why then would you take the largest risk of your life when you have the greatest chance of losing?

At TureaudHF, we help our clients find creative ways to be able to afford Long term Care Insurance.