What Age Should You Purchase Long Term Care Insurance? 
There is no perfect age that you should purchase long term care insurance . Naturally , the rate is lowest when you are younger . Of course , you will be paying premiums for a longer period of time . However , if you wait too long , you may become uninsurable or have developed a serious medical condition that substantially raiser your rates . But since you asked , as a broker that has been in the business for 32 years , assuming you can afford premiums , between the ages of 45 and 55 is ideal but this is just a generic answer . Each situation is different . 