I had someone try to sell me a policy. The reason was to protect my assets. If I went into a nursing home or other long term care, my assets were used to pay for the care first without the policy, as I understand it. Then you went on Medicaid. The purpose of the policy is to not have your assets used, if you intend to pass them on to your heirs, but you cannot sell or give them away 2 years before you need a nursing home. That is what I understand at least part of the policy is intended to do. I have a house that is worth about 3 times what I paid for it and other investments and do not want them used for my health care later in life. So, I am going to check into other policies - again, be careful of the benefits and options as well as the premium.