Long term care insurance is typically considered when an individual wants to ensure they have coverage for potential future long term care needs, such as assistance with activities of daily living (ADLs) or medical care due to chronic illness or disability. It is important to consider long term care insurance when a person is still relatively healthy and before the need for long term care arises. This is because premiums are generally lower when an individual is younger and in good health. Additionally, it's important to consider long term care insurance if one's assets are at risk of being depleted by the high costs of long term care services. Another factor to consider is the individual's desire to have more control over the type and location of care they receive in the event of a long term care need. Finally, it's important to evaluate the financial impact on family members who may be responsible for providing care or covering the costs of long term care services. Overall, the decision to purchase long term care insurance should be based on an individual's health, financial situation, and personal preferences, and it's advisable to consult with a financial advisor or insurance specialist to determine the most suitable time to consider purchasing long term care insurance.