When Should I Apply for Long Term Care LTC-insurance

When you are as young and healthy as possible. If you will not be getting younger and healthier, better to do it before these things change. Only get it if you can continue paying the premiums for the rest of your life. Don't bother if you have no assets and affordability is questionable. NY State says the best decade is in your 40's, but don't not get it if your 40's are in the past.
 
You're asking agents. I won't tell someone to "wait until so and so age" because if your health changes, I know as an agent I ain't done my job. Just because someone is "willing" to buy doesn't mean the insurance company wants to take a risk.
 
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