Should I Buy Long Term Care Insurance In My 40s? 
Long-term care insurance is kind of like life insurance in the way that you should purchase it as early as possible . If you wait until your health is bad you may not qualify for the insurance . And , none of us know when our health will start going downhill . People might become uninsurable due to sudden and unforeseen events . Do you purchase automobile insurance after an accident ? Do you purchase homeowners insurance after your house burns ? The answer to both of these questions is no . And , the same is true for long-term care insurance . If you have friends or family that are younger than forty they may want to look into it at a younger age . I just read the answer for Gary Lane , and if you live in California I would recommend you contact him regarding the life insurance with living benefits . As an independent agent in Florida , I have access to at least a couple of those companies , as well . Gary , I would certainly like to talk to you about those companies and products if you are willing to share some information with me . One more thought regarding the best time to purchase insurance , if it is not affordable now when will it be affordable ? It does not get cheaper as you get older . It gets more expensive . 