I am currently torn between business insurance or long term care insurance. I am 41 and my business was recently launched last month. Business insurance seems like a reasonable choice that I've been mooning over since before I started the business. Last month also, I had a cousin who was diagnosed to have a mild dementia. His wife had to send him to hospice care. I know that dementia is not infectious like cold or HIV, but I also happen to know that a person with dementia is enough to make an entire clan susceptible to it. He also had sundowner's syndrome before it all happened. Any thoughts?