That’s a terrific question, and you are wise not to ignore the possibilities. With today’s combination life/LTC policies you can get coverage for both life and LTC. And your current age is not too young to consider this strategty. I have an entire chapter explaining how those hybrid policies work in the new edition of The Savage Truth on Money, coming out in about four weeks. In the meantime, for specifics contact MagaLTC at 800-533-6242, and ask for Brian Gordon. They are the experts.