The optimal time to get long term care insurance is typically when you are in your 50s or early 60s. At this age, you are likely still relatively healthy but have a greater awareness of potential health risks and the need for long term care. Additionally, insurance companies may view you as a lower risk, which can result in lower premiums. However, it's essential to consider your personal circumstances, financial situation, and the specific coverage provided by different policies. It's always a good idea to consult with a financial advisor or insurance professional to help you make the best decision for your needs.