The overweight diabetic smokers typically tip over dead first. Personally, I’ve prepared by purchasing long term care insurance at age 52. I paid premiums for 13 years until age 65 and it is now paid up – no more premiums. My benefit increases 5% each year. I paid a total of about $18,000 in premiums. My benefit if care is needed is currently $10,300 per month and increases 5% every year, payments go as long as I do, no limit on how long I can collect. If my care costs less, I still get the entire benefit and extra cash is tax free to me. I also look forward to aging, travel, hunting, and fun. But if care is needed, I can pay for it easily, go where ever I want for that care, and leave left over nest egg to my children.