When Should Someone Buy Long Term Care Insurance? 
When do most people think about applying for Long Term Care Insurance ? When they are diagnosed with a possibly crippling disease . But the best time to apply for Long Term Care Insurance is before that diagnosis occurs . If you have a family history of diabetes , arthritis , heart disease , or other health conditions that could eventually hinder your ability to care for yourself , you may want to buy your long term care policy before your 50 's . If you are extremely healthy , you may be able to wait until your 60 's . I agree with Ken , that the mid to late 50 's is a good time to get a good rate and hopefully get ahead of those pesky health conditions that often strike in later life . 