This document discusses long term care insurance. It explains that long term care insurance is one of the best investments someone can make at any age, though premiums are lower when purchased younger. It notes many people do not consider future health problems and long term care needs when young. The document also explains that without long term care insurance, people may find they have to pay high deductibles with regular health insurance or pay completely out of pocket for long term care. Lastly, it states that long term care insurance policies can provide significant financial assistance given the high daily costs of long term care facilities.