The case for long-term care insurance is usually made with mathematics, and rightly so. Weighing the risk of a debilitating disability and its financial impact against the relatively modest cost of insuring against the risk makes for a convincing equation. 

But beyond the immutable logic of numbers, equally powerful arguments for LTC insurance often come from another source – the human voice. Such was the case with John Horton, an Ohio father of three who so believed in the value of LTC insurance that he insisted on speaking out in a videotaped testimonial during his last year of life.