LTC riders in an annuity vs LTC insurance

A financial advisor is suggesting I buy an annuity . Let's say 200k. I would plan to defer it until I am 70 or so. I am currently 61 and plan to retire at 65. The annuity could pay around 27k annually if invoked when I turn 70…plus the ltc rider double multiplier. So 54k if I get sent to rehab or go to assisted living. That would last for up to 5 years…and with this particular annuity would always be available even if account balance goes to zero. I believe my pension and SS will cover my expenses when I initially retire.. but I do worry about inflation. I would still have funds in my retirement account to just sit and let grow.

Thoughts? Are these riders worth it and better than paying for high priced ltc insurance?

Thanks for your opinions!