Oooh! Topical! One article I read recently that gave me pause regarding long term care insurance was this one: http://www.getrichslowly.org/blog/2012/07/02/is-long-term-care-insurance-worth-it/ In a nutshell: Author weighs costs and benefits of LTCI, observes that costs may change substantially as you age/actually start using long term care, even if you are an existing customer. That's not to say that LTCI is bunk, but a warning: if you do think your personal situation calls for long term care insurance, please, please, please read before you sign, and make sure that you know what you're getting into (Ha! For insuring the coverage of your insurance! The irony!) so you don't run into a nasty surprise at a time when you can't afford it.