My elderly mother has it, and I'm sure it will be a great help. I'm considering it for myself (I'm currently in my 40's), but am not sure. I've been reading stories about skyrocketing premiums, companies no longer carrying it or going out of business, etc. It sounds like such a gamble. I don't have children, and am thinking that for my own situation, it may be better to exhaust my funds when the time comes. What are your thoughts?