Long Term Care Insurance

Pam says she's received a bunch of suggestions for long term care costs. To pay for them, get a whole life policy that doubles as a long term care insurance policy. Put money away for in home care, although i don't know the cost for that. Do you have other money? Think that would be interesting to just build up your non retirement assets this point. Is it still make sense for us to continue to do pre tax four o one k from now on, until i retire at age 58? Or should we do after tax? Question two, should i start wroth conversions gradually or wait until our income drops?