Too often, we go through the process to learn about LTC and LTC insurance, work though the costs and see how it can work to help us protect our family, savings and choices.  Then we decide to wait to purchase a plan. Sometimes, the reason to wait is very valid - putting kids through school, just changed jobs, building a house, caring for a parent. Sometimes, when we wait, a health concern shows up that increases our risk of needing care.  This may create higher premiums, limit our options or make us an unacceptable risk. If you know you want coverage, don't wait.  LTC insurance wil never cost less than it does today, while you are young enough and healthy enough to be approved with reasonable rates. Ask me for help and guidance at