well, the problem is you are listening to brokers who are trying to sell you something!
Yes, you do need long term care insurance. And the new hybrid or “combo” policies make a lot of sense. They are designed primarily for long term care — but if you don’t use the money for care, there is a death benefit that goes to your heirs.
But since these are life insurance salespeople (!) I recommend you go to a long term care insurance expert, who can look at your needs.
I always recommend Brian Gordon at MAGA LTC — 800-533-6242. He is in the Chicago suburbs. And he is my expert for all my books. Use my name or not, as I don’t get anything out of this recommendation.
And if you want to do your homework on this topic first, get a copy of the latest edition of The Savage Truth on Money on Amazon. I write extensively about LTC insurance.