No...doing planning as far out as I can....
I decided to look into it late. No point in it then.
If you have any estate at all long term care policies will insure that the nurses, aids and nursing homes (or the government if you have to go the Medicaid route) won’t get your entire estate. Most people will get the premiums back if they live two or three years drawing on the benefits. After being questioned my agent told me that most folks won’t live past the 90 days of incapacity required to obtain benefits, so you probably will pay more than you get back. That being admitted it is better to have it and not need it than to need it and not have it.
Look at hybrid life insurance. Accelerated access rider. -Repays the death benefit while you are living to cover the cost of care. Universal life with a no lapse guarantee.
If you don’t need the LTC benefit you get a death benefit. This is not use it or loose it!