The two most common reasons people tell me they're looking into LTC insurance are: 1) They don't want to bankrupt their spouse emotionally, physically or financially, and 2) they don't want to burden their children with the responsibility to care for them or to have to pay for their care. Many who say this are caring for a parent who hadn't planned. Many of us in our 50s and 60s don't think we'll ever need care, even though we are providing for our parents.  Why do we deny that we could end up needing help as much as they do today. The best gift an older parent can give to their adult children can be a funded LTC plan for the adult children.  This way, the granchildren won't be facing the same caregiving issues the kids have while caring for the elderly parents now. Parents who are trying to leave an inheritance for their kids can use a small portion of their savings to obtain a very substantial LTC plan for the kids.  This can lessen the burdens of hte next generation. Schedule with me to learn how