There are a lot of numbers in this eposide.  I recommend you listen to it the first time all the way through and then listen again to grab the math.   The younger we are when we plan, the less total premiums we'll pay over our lifetimes.  And if we shorten the premium duration to 10 or 15 years, we can save significantly more while building a much stronger plan when we need it most. More importantly, this episode shares how, by waiting, we significantly reduce the amount of LTC benefits we can obtain when they will be most needed.  Diane shares typical premiums for a 31 year old and a 51 year old, and the corresponding benefits.  Would you rather have $840,000 or $2,200,000 to pay for care?  Would you rather cover half of your monthly home care or assisted living bill or 20% of it?  It's so important to plan early to protect your family, assets and choices to the best of your ability.