The best time to shop for long-term care insurance is before you need it. The longer you wait, the higher your premium will be and the greater your chances of having a disqualifying illness or disability. Buying long-term care insurance is an important individual decision and you should plan to spend some time looking into the product, getting answers to your questions, and weighing your options.
Insurance policies are legal contracts. Read and compare the benefits of different policies before you buy one and make sure you understand all of the provisions. Always read the policy before you buy it. Don't rely on marketing or sales literature to provide the information you need to make an informed decision.