What's The Best Age To Buy Long Term Care Insurance? 
What 's the best age to buy Long Term Care Insurance ? There are many opinions as to the answer for that question , offered by professionals in the insurance field and in by professionals in the field of issues related to aging . As someone who has a background in both fields , I think the best age to purchase Long Term Care Insurance is by age 60 . Rates are lower and you are less likely to have a medical condition to disqualify you than if you wait longer than that . Some cite statistics that over 40 % of Long Term Care is provided to persons under age 65 , so you should purchase LTC coverage at a much younger age . But many of the younger persons in extended care facilities have mental illness or other lifelong conditions that would not have qualified them for LTC insurance in the first place . It is certainly true that the younger you are , the lower the rates , but you do have to offset the extra years for which you will be making those payments . More important than that , I believe , is getting the policy while you still qualify . If you see some health conditions sneaking up on you at age 40 that could be trouble at age 60 , get your Long Term Care coverage while you can . 