I took out a policy on my mother about 1983 or 1984. She went to a nursing home about 1989. She passed in 1993. The policy paid with no problems. I've had no recent experience with a policy paying. I have taken out a policy on myself and one on my husband. My policy has not raised the premiums. My husband had to get his from a different company because of his health issues. His premiums have been raised regularly.