Something that hasn't been around too long, LTC annuities. With some you can get more "bang for your buck." And if the pool of funds for the LTC is not used, your initial premium & growth is returned to the beneficiary.
https://www.foremostadvice.com/pdfservice/ConceptPiece.adb546e4-1290-43bd-a39e-193b48a9901e.pdf
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