At the turn of the 20th Century, i.e. in 1900, the average life expectancy for a man was 35 years.
Now the average life expectancy in the UK is 75 for men and 79.9 for woman.
(source http//news.bbc.co.uk/1/hi/health/1977733.stm)

Likewise, in the first half of that century, there was a reasonable expectation that Long Term Care would take place at home administered by ones immediate family, which is very definitely not the case now.

Whilst some assistance is provided by the Social Services quality long term care needs to be planned for in advance, this is particularly important if the spouse of the person needing long term care is not going to be seriously disadvantaged.

Long Term Care pays out on failing 2, or 3, (you choose) out of the following 6 Activities of Daily Living (ADLs),
or if you become incapacitated by means of becoming mentally impaired.
The six ADLs are:-

Dressing yourself.
Feeding yourself.
Getting out of a chair, or bed, unaided.
Going to the toilet unaided.
Moving from room to room.
Washing yourself.

Accord will analyse your financial health, help
ascertain your financial needs in the event that
long term care is required, then make a written
recommendation on how best to provide that
cover whilst protecting the other spouse or/and
your estate from impoverishment.