<p>It seems pretty expensive in that I am able to sell it and most people do not want it once they see the price 
With kids in college, I have not yet pursued it myself…the one I have liked best for clients was First Penn Pacific/Lincoln Life Money Guard as it allows the payment of a life insurance death benefit if one never uses the LTC bene. I have a client in his 90s who has still not used the LTC and is glad the DB would pay his family. That plan seemed to work best for some one putting 6 figures of cash in up front, like a retiree with a large lump sum</p>