Ask about combined Life+Long Term Care Insurance Options. Look at it this way: life insurance is a necessity; you’re living irresponsibly without it. For a similar price, you could put aside money and accumulate some savings toward LTC so long as the benefits haven’t been used…you know that’s a oxymoron! You got to be around to reap the use of LTC, or in this case your beneficiaries will bless your memory.
Read some more about the importance about LTC and how it can leaven the burden off your children and sweeten those golden years.