being 65 and still healthy it was very difficult to write the check for traditional long term insurance every year. I did because it is the right thing to do as we want to make it as easy as possible for the kids to handle our last days. I heard a 525 ltc commercial on the radio and was informed that there is a new approach to these plans and you actually get money back !! well it still is painful writing the check but now it is also an investment !! ( way mo beta !! ) the plans are very flexible and accommodate almost any financial situation so I encourage you to get on it !!