I'm looking into insurance for long term care. Due to chronic back issues and medication, I'm told that I won't qualify for insurance. I'm 68 years old. Recently someone told me that Global Atlantic only has a few application questions and I can either double or triple my money to be used for long term care expense. Furthermore, If I don't use it, my premium will be returned to my family as a death benefit. Can anyone help in providing the good and bad to this option? Thank you in advance.