When Should You Consider Long Term Care Insurance? 
If you have geriatric family history of nursing home confinement , you may want to secure coverage while young and LTCi is affordable . But you need to begin your search on long term care insurance no later than age 50 . You should be purchasing long term care insurance no later than age 60 . These are just rules of thumb . But the sooner the later based on health deterioration as you become older and the premium larger . 