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The main reason I'm thinking of getting it is for the home healthcare or assisted living coverage which is included.

Just as a point of reference, my parents required 24/7 in-home care for about 2 years before dying 11 months apart, at 89 and 90. The cost was $13 per hour, but the good news was that the help was available. The bad news was that it ate up most of their savings.

However, that's what the money was there for. I'd urge you to think primarily about what you're going to need, not about leaving an inheritance. I have taken great comfort in the fact that my parents were able to stay in their home to the end. Beats the heck out of money in the bank, which doesn't buy you a lot of solace.

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