Advice from my father..."When you can afford your first home.... buy it." My advice " Best time to purchase LTCi ...When you can afford it. The younger and Healthier you are the more affordable LTCi coverage.
Best to secure your future between ages 45-60.
The younger and healthier you are the easier it is to be accepted for coverage. Below is the percentage of declines for health reasons. The "what if" I don't need long-term care is not a objection when you can't buy the protection at any price.
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