This week, I ask you a question rather than the other way around. What consequences are there to waiting to buy LTC insurance that you may not have considered?  Many people want to wait until they are at optimum health or until they fit in those old jeans before they apply, thinking that a better health and build will lower their premiums.  Insurance companies can release new plans or adjust discounts when they see the need, and when states approve the changes.  If you're considering LTC coverage, sooner is almost always better than later.   Thankfully, my husband and I bought our LTC insurance (at age 35) five years prior to a Multiple Sclerosis diagnosis.  The illness is not affecting my health much today,but at age 56, I am an uninsurable risk with almost every company. Schedule some time with me to look at your options while those options are available to you.