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Most financial professionals don't make the majority of their income by selling long-term care insurance alone. But what happens to a client's assets under management — and their retirement income stream — when a long-term care event hits a portfolio that was never protected?

When clients weigh whether to buy long-term care insurance, the conversation almost always centers on them: their savings, their health, their risk. But new research suggests the decision reaches much further — into their adult children's careers, living arrangements, and financial futures.

Here's a number worth sitting with: 74% of consumers say they'll likely need long-term care at some point. Only 33% say they're confident in their current plan to pay for it.

Here’s a finding that should stop every financial advisor in their tracks: 92% of clients believe their financial professional should discuss long-term care planning with them. And 79% say it’s an expectation — not a nice-to-have. Yet only 45% of clients say they’ve actually had that conversation with their advisor.