Is Long Term Care Insurance Worth The Cost? 
I was asked the same question by a client with a $ 7,000 annual premium for both spouses . If your not sure , you probably need it ! After all , someone asking may not be able to afford the average cost of $ 70,000 + per year to cover one person . Having said that , it may be advantageous to look at the new riders on both term and permanent coverage that allow for using the death benefit to pay for LTC under certain circumstances . 