People buy insurance for life, health and just about everything else.
Brooks said that it's probably the one kind of insurance that can make life easy when you need it the most. Long-term health care insurance is one way to pay for it. You want to get long term health care insurance when you're young and healthy so that you can lock into a premium that stays the same for the rest of your life. If you delay, health could become a concern. You'd either be rated and a higher preimium or denied altogether and not have that coverage.