DH and I have no kids and have been going around and around about this. He hates buying any kind of insurance, but we are likely to be right in the 'danger zone' of quite a few assets, but not really enough to self insure. I know the stats say that once you are over the 1.5 million net worth range, then you should try to self insure, but I've actually seen 3 relatives burn through nest eggs worth over 2 million in a terrifyingly short period of years, so even that doesn't feel safe to me.
I'm already potentially not insurable at a reasonable cost even though I'm only 45, and DH is older but healthy and insurable, so after several years of argument (mainly the fact that he just has never had to deal with aging relatives or friends and doesn't seem to understand the likelihood of need for care or how fucking much care costs), we finally just purchased a pretty basic policy for him, which would help me if he became incapacitated earlier. In terms of insuring me, we are still up in the air about it. If I can't get insured, we will try to allocate even more to savings to make it up for me, and cross our fingers. But it definitely worries me, that I might bankrupt him.
Also, because the LTC industry is struggling to keep up with claims, the likelihood of DH's premiums being jacked up a lot over time is very real. Ugh. The whole issue makes me depressed and tired.