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There is no perfect age that you should purchase long term care insurance. Naturally, the rate is lowest when you are younger. Of course, you will be paying premiums for a longer period of time.
However, if you wait too long, you may become uninsurable or have developed a serious medical condition that substantially raiser your rates.
But since you asked, as a broker that has been in the business for 32 years, assuming you can afford premiums, between the ages of 45 and 55 is ideal but this is just a generic answer. Each situation is different.
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However, if you wait too long, you may become uninsurable or have developed a serious medical condition that substantially raiser your rates.
But since you asked, as a broker that has been in the business for 32 years, assuming you can afford premiums, between the ages of 45 and 55 is ideal but this is just a generic answer. Each situation is different.