Long term care insurance is designed to help cover the costs of long term care services, such as assistance with activities of daily living (ADLs) and nursing home care. It's important to consider purchasing long term care insurance before you actually need it, as premiums tend to be lower when you're younger and in good health. The ideal age to get long term care insurance is typically in your 50s or early 60s. This is because premiums are generally more affordable at this age, and you're more likely to be approved for coverage without any pre-existing conditions that could affect your eligibility or premiums. However, it's never too early to start thinking about long term care insurance, especially if you have a family history of certain health conditions or if you want to ensure you have coverage in place well in advance. Keep in mind that the cost of long term care insurance can vary based on factors such as your age, health, and the amount of coverage you choose. It's a good idea to consult with a financial advisor or insurance specialist to determine the best age and coverage options for your specific needs and circumstances. Remember, the earlier you start planning for long term care, the more options you'll have and the better prepared you'll be for any future care needs.