To buy long-term care insurance (LTCI) at reasonable rates, you need to be free from serious health problems. If you wait until you're aged or sick, you'll pay a higher premium or may be denied coverage altogether. Therefore, the best time to buy LTCI is when you're healthy and relatively young. However, most companies won't approve LTCI for people under 40.
The 360 Degrees of Financial Literacy Web site offers general information for managing personal finances and does not recommend specific financial actions. For financial advice tailored to your situation, please contact an expert such as a CPA or a personal financial advisor.