There are long term care insurance products with good companies. They behave by using your policy value as a deductible. I saw numbers for a 58 yr old male. Pay

There are long term care insurance products with good companies. They behave by using your policy value as a deductible. I saw numbers for a 58 yr old male. Pay $75k, get $122k death benefit and another $122k as LTCI pool. If you get disabled (cannot do 2 of 6 daily functions), you can draw from the death benefit, when the death benefit is exhausted you can draw from the LTCI pool. So if you have money saved up, it makes sense to use some money to get protection. Otherwise disability at old age can use up a lot of money. If you don't use it there is cash value that can be used (it grows along with the death benefit) or passed on.