Long term Care – 70% of all people will need long term care prior to death so having a “plan” in place is simply a necessity. The average LTC stay lasts nearly three years and the monthly costs average from $3,000 for home care up to $12,000 for nursing home care. We insure our cars / boats, home and health. Clients should also take a deep look at insuring the largest asset they have which is their ‘’retirement nest egg’’!