Long term care insurance is designed to help cover the costs of long-term care services, which can be quite expensive. Ideally, you should consider long term care insurance when you are still relatively young and in good health. This is because the premiums for long term care insurance tend to increase as you get older or if you develop certain health conditions.
However, there isn't a specific age when it becomes 'too late' for long term care insurance. Even if you are older or have some health issues, you may still be able to get coverage, but the premiums will likely be higher. It's important to note that each insurance company has its own underwriting process, so your eligibility for coverage will depend on the specific company and the policy you're interested in.
In summary, the best time to consider long term care insurance is when you're still relatively young and in good health. However, even if you're older or have some health issues, you may still be able to get coverage, albeit at a higher cost. It's always a good idea to consult with an insurance professional to discuss your options and find the best coverage for your needs.