I would look into the % of inflation protection

How the elimination period is calculated – days (calendar or business) or weeks. The maximum lifetime benefit and whether or not it can be interrupted. Any cash benefits and how they are dispersed if needed.

The original question asked of me was whether or not the Premium was guaranteed, and upon looking at my information, the premium is indeed a lifetime guaranteed premium so while I’m starting off younger than recommended with a policy, I can’t complain.

I think for me, since I just have one child (and lately she’s not dependable), it is important that my policy can be used for in-home care, not just for facility placement. Coverage for me is 100% for both home health care and assisted living facility. This could quite possibly mean that I can stretch my lifetime benefit longer by resisting incarceration as long as possible.

I went to my insurer with a list of requirements for my policy, and crafted a policy which would meet my specifications. I understand that I will be able to tweak the policy over time and if there is a cost differential I can make those modifications as well.