It's a fact People are living longer. You can expect to spend 20 to 30 years in retirement.

Of course, today that's good news. You're healthy and you feel good. But what about tomorrow?

An unexpected illness or accident can leave you or your spouse physically or mentally incapable of independently performing daily activities like eating, bathing and getting dressed.

The fact is, nearly six of every ten 65-year-olds will need long term care at some point in their lives at a cost of up to $92,000 a year.

How can you cover these high costs? With a long term care insurance policy.