There is a very SIMPLE ALTERNATIVE to stand-alone LTC insurance which you lose out if you die of a heart attack or car accident (unless you have expensive Return of Premium Rider). In the US they now sell Combo (or Hybrid) Life or Annuity policies which are combined with a LTCi rider which either allows the insured to access the Death Benefit ahead of time (what the US calls an Accelerated Death Benefit Rider) or allows their monthly Annuity payments to double or triple when a LTC conditon is trggered ! Neither Combo product is that more expensive and the policyholder doesn't lose out if they don't go into a Nursing Home. It's time CALU looks across the border and imports these new Innovative products while NAFTA still exits. Not everything the US does is BAD !