Insurance: the industry built on the proposition of getting people to pay them more money, while they pay out less money back.  We are suckers. Article mentions the middle age folks already being insured to death.  Well they ought to consider the MrMoneyMustache approach: be self-insured.  He doesn't buy any insurance which isn't mandatory.  He can rebuild his own house if it burns down.  he had enough money saved to retire at age 31, despite being of modest middle class means.  So when it comes to LTC insurance - getouttahere!  I mean my FIL died a age 96, still living at home in his vancouver house (which would have financed a couple decades of LTC if he needed it!).  My dad is 75 and more fit that 99% of 25 year olds (married to a 40 yr old nurse to boot).  Self insure for LTC, and ideally just live at home,or consider other ways to exit a miserable existence in the face of being warehoused in LTC.