I'm undecided about insurance for long-term care. My dad took care of my mom for two years, so she could stay at home. Then she had to spend the last six months of life in a nursing home, and it cost a lot. My dad bought nursing home insurance for himself after that. It was expensive, but it has paid for his last two years in assisted living. He died as his policy was about to run out, but everything worked as he had hoped it would.
If I were single, I'd seriously consider buying nursing home insurance.

-Joe-