Although the average life expectancy for humans has increased over the years; there are a number of seniors spending their retirement years in poorer health. One of the costs of our evolutionary longevity is an increase in rates for long-term care insurance. Fortunately, you have a choice in this matter. Justin Walker joins us from Adalánt, a financial services firm based in Emmett, Idaho, for an in-depth conversation about options outside of long-term care insurance.