In one question, the study asked: "Do you feel the primary burden of providing long-term care for your parents or grandparents will fall to you and others in your generation?"

Surprisingly, 69 percent of people under the age of 40 said yes.

Among pre-retirees and retirees age 60+, only 42 percent said yes.

Across all age groups, women were more likely to answer affirmatively than men.

The survey also asked respondents if they think they will plan for LTC better than previous generations, and 56 percent of millennials said they have this confidence.

Why?  They are more aware of the challenge, mainly because they have witnessed planning failures and mistakes of their parents and grandparents.

Although most millennials are a long way from buying long-term care insurance (LTCI), the study suggests that they will be receptive to conversations about these aspects:

• The future cost of LTC, and opportunities to plan for this cost by maximizing 401(k) and IRA contributions.

• The advantages of LTC riders offered by many permanent life insurance programs.

• Employer-sponsored group LTC solutions and benefits.

In any age group, conversations about personal experiences with parents or grandparents who have needed LTC can help to start new relationships and encourage long-term planning disciplines. Women are more likely to be LTC family caregivers than men, and they will be receptive to your ideas and services in this market—perhaps at younger ages than you might think.