Some time back we discussed this but thought it time to visit again . I sold this product & always found it difficult because "it's not going to happen to us or we have family to take care of us" . Well, the family part will evaporate quickly if long-term applies and it can happen no matter present good health . Just go talk to your agent & buy it ! You can lower the cost by putting a front-end waiting period (deductible) of 60 or 90 days on the policy . Your family will be thankful and actually love you rather than the opposite . Just go do it !!