Long term care insurance is typically best purchased when an individual is in their mid-50s to early 60s and is still in good health. This is the period when premiums are more affordable and coverage is more likely to be approved. Waiting too long to purchase long term care insurance can result in higher premiums or even denial of coverage due to health issues. On the other hand, purchasing it too early may mean paying premiums for a longer period before needing the benefits. It's important to consider personal health, family medical history, and financial situation when deciding on the right time to buy long term care insurance. Consulting with a financial advisor or insurance specialist can provide personalized guidance based on individual circumstances.