Some policies provide the most long-term care coverage possible. These will have less death benefit, growth, or access to your money if you change your mind.

If you’ll never use this money (except for possible long-term care expenses), you can leave more income-tax free for your heirs.

These policies pay a relatively high interest rate. After a short period (5-10 years), you penalty-free access to your funds and the interest.

These policies allow you to change your mind and take all of your money back anytime you want. As a tradeoff, these may pay lower interest or have fewer LTC benefits.