Should someone in late 80s stop paying for LTC insurance?

Mother is in late 80s and has had LTC insurance policy for 15+ years; started when she was assisting with her parent who needed 24/7 care in her home and saw it was expensive. Then and now, mother has no idea of the value of her assets, her income or expenses and whether she can afford the policy premium, to pay for the care out of pocket, the cost of care. etc. She knows what she paid for her mother's in-home care many years ago -- which was in no way standard and was likely way below market -- and required her to be available almost daily to assist. Each year the LTC premium increases and each year she agonizes over renewing. I live local and assist as needed, my sister and I are co-POA, my sister is executor and I will be another siblings guardian when mother can no longer to do it, so we are involved in her life. Sometimes she appreciates it and sometimes she does not. She often asks my sister for her thoughts on these matters and not me, so the sisters discuss on the sidelines and other sister gives guidance/opinion so it doesn't seem like double-teaming. She is lucid and can reason and will ask for advice, but she will focus very much on the cost of the issue or item right in front of her and make her decision in a vacuum. She is looking at this premium as a large expense in general as opposed to a large expense which she can handle given her sizeable assets and solid fixed and investment income and gives no thought to the fact that she is getting ever closer to needing the insurance and that it would likely take another 10 years of annual premiums before the total costs equals just one year of coverage from the policy. I have suggested to my sister that we prepare a list/total of all her assets, income and expenses so she understands her financial standing, as well show her the cost-benefit analysis related to the insurance so she is not just looking at a bill for $XX,000 and refusing to pay because she just did work on the house recently and is worried she is spending too much with no clue about her strong financial condition. To compile these schedules she will need to either give us a fair amount of info we don't have or fill in the spreadsheet, she will get annoyed and just say she is cancelling. She tends to like to take the path of least resistance and as a result made a disastrous financial decision -- without asking any of her kids thoughts -- a while back which cost her a lot of $$ and wiped out much of her estate, which she maintained it was her job to pass along to her family. She is very fortunate she is still on solid ground financially after that debacle. I have also suggested to sister to speak to an unbiased insurance agent (cousin) to better understand the policy, because our mother doesnt fully understand the specifics. I know she has the $$ to pay the premium or to stop and likely has funds to cover several years of care out of pocket, she however, doesn't know any of this because she never does any accounting nor does she seem interested in understanding, she just wants to make a decision and be done. I believe if she can afford the premium and the coverage will help avoid depleting the estate -- again which she claimed was her job to pass on to her family (before she made some bad decisions) -- then she should keep the insurance. I haven't been very vocal on any of this with her, but the clock is ticking and paying for another year and given I am the most analytical of the three of us, I am wondering how hard I should push on this matter before she makes a decision she cannot walk back on. Interested in thoughts on LTC insurance in general and getting an elder to focus on facts to make an important decision in particular. THX