One of my finance profs apparently starts advising clients to consider LTC plans around age 45. Not only does that seem kind of early to me (most sources I've read suggest more like mid 50s), but IMO there are a lot of strong arguments against buying them, including the risk of the insurance company going out of business some time during the next approximately three decades before a 40-odd-year-old is likely to need LTC, and/or inadequate coverage for ever increasing premiums, especially if you have a plan without inflation protection. Curious if those of you who are middle aged are buying one of these (or plan to buy one). I've basically decided to self-insure (i.e., save some extra money on top of my retirement money) rather than buy one. If I never need LTC, then this strategy has the added bonus that the money will go to my heirs instead of to some insurance company.