I have been a professional CFP for over 20 years. Long term care is probably the most valuable insurance that you can buy. People that say save your money and try to invest have no idea what they are talking about. In general if your Net Worth is 250K -5 million you would be a good candidate. Rich people buy it all the time because they understand the value of transferring the risk. And people with a Net Worth below 250K should not buy it because they can’t buy enough to make it worth while. Ideal age is before age 60.