Alzheimers research is moving at a fast pace. The first company with a cure or effective treatment would be a trillion dollar operation virtually overnight. In the meantime, researchers have discovered a testing procedure which could tell you --and the insurance company--if you are pre-disposed to cognitive issues and early long term care claims. Net result? It could spell doom for the long term care insurance industry. Who would buy the insurance if told there was no problem. If the insurance company knows you are on the road to Alzheimers, why would they give you a policy? What would they charge. Steve and Sinclair review a Forbes report. In the Q & A, Steve reviews methods of paying for long term care without the expensive premiums.