term life insurance and estate planning?

[Fox Gibson]

Can term life insurance be used in place of long term care insurance? For instance, lets say a person is 55 yoa and in generally good health. Instead of buying long term care insurance, how about buying a term life policy for 250-300k. Should nursing home care become necessary, available funds for care costs, then upon death, survivors are"reimbursed"via the term life death benefit. It seems to me long term care insurance may or may not be used, and if not, the money paid for premiums is"wasted". On the other hand, everyone dies, so nursing home or no nursing home, the death benefit will one day be paid. What say you?? Thanks in advance for offering your insight. ------

[safexiaoyi]

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