It depends on the company. We just went to a Financial planner the other day to review our investments and general financial standing, since we had just done our trust. He saw our LTC policies and said most of the companies are no longer writing any LTC policies. He also said that as we get older, there will be a good chance that at least one of us would probably end up using the policy. We bought a very good and somewhat pricey policy 2 years ago and the FP said it was a very good policy and to keep paying it, especially since we would never be able to replace it for equal value.