I was fortunate as well that my parents bought it dirt cheap 30 years ago. It paid 100% of my mothers stay towards her last 5 years. Eventually it will kick in for dad. Between that and social security their estate has basically stayed flat.
But those sorts of plans are no longer available.
Interesting topic. My regular has become more of a “boy friend” experience, always meals and other activities, we talk everyday.
The person I get a massage from though…good grief. Talk about making me feel wanted. Nasty.