What Is The Best Time To Buy Long Term Care Insurance? 
There 's an African proverb that says , `` The best time to plant a tree is 20 years ago . The 2nd best time is Today . '' The younger you are the lower the premium so the earliest that you can buy a long term care policy the better . It 's even better when you can add a long term care rider to your whole life policy , because the premium for the rider is far less than the premium for a stand alone policy and the premium is less likely to increase over time . 