Absolutely. My Mom had a long term care policy she bought in the 90’s - one not available now - and that was what “saved” her financially the last year of her life. Because of that she was able to leave her four children a decent amount at her passing. None of us have a policy like hers so actually what she left me is invested and available to cover any shortfall in expenses I might have if I have a serious health issue that leaves me impaired.I don't know how you will know how much you will need in advance, so we plan to keep what we have until the very end. I have heard other younger folks say things like "pay me my inheritance now", but that has always sounded selfish on their part to me. Our daughter says she wants us to enjoy it and hopes we use as much as possible to that end.
My children will get whatever I have at my passing.