STRONG YES!!! My father in law bought LTC insurance in the late 80s and it saved us thousands up until his death earlier this year. I am 61 and my financial planner told me to dump all other life insurance and by LTC now ( our kids are grown and our mortgage paid off which is presumably what life insurance would have covered) for my later years. As a teacher I got a really great policy at a very low rate. I totally recommend this.