The cost of a 3 year plan with a decent amount of coverage per day and inflation protection is just astronomical! I just don't see the point of putting that amount of money out for insurance that may not be needed. Also, what happens after 3 years (forget longer terms, too expensive), I guess you are on your own after that. Then, the argument for buying LTC insurance at a young age also makes no sense to me for several reasons: you cannot miss a payment without forfeiting the plan, you need two disabling requirements to get coverage, premiums will continue to go up. At a young age, I think it is better to take the money that one would use to pay the premiums and invest it in a Roth IRA. This would not have a problem with forfeiture, would not require two disabling requirements, would not require legal bantering with the insurance company, and if anything is left over, it can go to heirs.