Long term care insurance is an important consideration for individuals who want to protect themselves against the high costs of long term care services. The best time to buy long term care insurance is when you are in good health and relatively young. This is because premiums are generally lower when you are younger and healthier, and you are more likely to be approved for coverage without exclusions or limitations. It is recommended to purchase long term care insurance in your 50s or early 60s. By purchasing it earlier, you can lock in lower premiums and ensure that you have coverage in place when you need it. However, it's never too late to consider long term care insurance, as even older individuals can still benefit from having coverage. Keep in mind that the cost of long term care insurance can vary based on factors such as your age, health, and the level of coverage you choose. It's important to carefully evaluate your options and consider working with a knowledgeable insurance professional to determine the best time and coverage for your specific needs.