Long-term insurance, including long-term care insurance, life insurance with long-term care riders, and others, offers several benefits and selling points. Here are some key ones to consider:

1. Financial Protection Against Long-term Care Costs: Long-term insurance helps cover the costs of care not typically covered by regular health insurance, Medicare, or Medicaid. This includes services in a variety of settings, such as your home, a community organization, or a facility.

2. Asset Preservation: By covering the high costs of long-term care, these policies help protect your savings and assets, ensuring that your wealth is not depleted by care expenses. This can be crucial for estate planning and safeguarding inheritances.

3. Tax Benefits: Premiums paid on long-term care insurance may be tax-deductible, depending on your situation. Benefits received from long-term care insurance are generally tax-free.

4. Independence: Having long-term care insurance allows individuals to have more choices about the type of care they receive and where they receive it. This can mean staying in their home longer and maintaining independence.

5. Peace of Mind: Knowing that you have a plan in place for long-term care can provide peace of mind for you and your loved ones. It reduces the stress of unexpected healthcare costs and the burden on family members who might otherwise need to provide care.

6. Flexibility in Care: Long-term insurance policies often offer flexibility in the types of care covered, including in-home care, assisted living, adult daycare, and nursing home care.

7. Protection Against Rising Healthcare Costs: As healthcare costs continue to rise, having long-term insurance ensures that you are protected against future increases in the cost of long-term care services.

8. Customizable Coverage: Many policies allow you to customize your coverage to fit your specific needs and budget, including choosing the amount of the benefit, the duration of coverage, and the waiting period before benefits begin.

9. Locking in Rates at a Younger Age: Purchasing long-term insurance at a younger age can result in lower premiums and better health qualifications. The cost of insurance typically increases as you age, so early purchase can be financially advantageous.

10. Cognitive Impairment Coverage: Given the rising incidence of dementia and Alzheimer’s, long-term care insurance can be particularly valuable as it often covers care for cognitive impairments, which can be some of the most challenging and expensive care needs to meet.