How can I get Long Term Care Insurance?

Underwriting Long Term Care policies are done according to health. You shouldn't wait until your health begins to fail to consider getting insured. If you do, it may be too late to get the coverage.

Another reason for not waiting is price. There is a 'cost of waiting' when buying Long Term Care insurance. Premiums are based on age. The older you are, the higher your premium. Considerably higher, so it is best to get it while you're young.