We didn’t get our policies through UPS .. paying into it close to 20 years ... I am close to age 68 and my wife is about 65 runs about 250 a month for both of us...it goes up according to the inflation rate, or you can reduce some of your coverage.
At times it seems to be a waste of money but I have seen what happens if it comes down to being in extended care. For a good one it could run up to 5,000 a month, it could bankrupt you in a minute.
I can write it off on my state tax and it does build up equity...