Long Term Care
Facing the fact that you're growing older and that you may need someone to care for you in later years is very important. Too many people expect their children or spouses to care for them, or even Medicare. The reality is that Medicare supplementary insurance will rarely meet long term care costs, and the same goes for health insurance. In fact, your children likely aren't aware of the extent of long-term care costs, and probably will be hard-pressed to fund it.