Hello, my mother in law was diagnosed officially in 2018 but presented classic symptoms associated with FTD for at least 5 years before. She has been in a good care home for about a year because she is mobile and needs stimulus, however she is starting to lose inhibitions and speak gibberish sentences ( child-like 'whiccy woccy woo, and gurgling sounds like a coffee maker) The care home is expensive and being paid for from house sale, the family has a £250k sum from a covenant on the house sale but are thinking of putting it back into the pot as they want what's best for their mum, with an inurance company, they have negotiated and have an annuity with the care home of 5% in perpetuity for care but not nursing The upshot is that if it is an early death, the insurers take all the money but if she lives for a long time, care is covered. Nursing is inevitable at some point- can they rely on state care when it comes to this point? If the family do not go with the insurers and 'wing it', they have 4.5 to 5 years at average 7% increase. I'm curious to hear how others are coping with this sort of projection, What have others looked at and how are they getting by or has anyone heard of any financial plans / planning assistance specialising in these situations? I'd be really grateful for any leads, it just seems so awful gambling over life expectancy for insurers to take all.