You know how long you can expect to live, it may help you with many financial planning decisions.  Granted, this is not an absolute, but is yet another input to use.  As for the benefit options in a long term care insurance policy, the inflation option and beginning daily/monthly benefit amount selection could benefit from knowing your life expectancy.    Invest 10 minutes of your time by answering 40 questions related to your  health and family history [1].  Thomas Perls MD, MPH, FACP developed the Living to 100 Life Expectancy Calculator uses the most current and carefully researched medical and scientific data in order to estimate how old you will live to be. Most people score in their late eighties... how about you?