What's your opinion on the recommended age range for getting LTC (any kind)? Or bringing up LTC with a long-term client? Yes, the premium(s) are lower the younger you buy, but there's the opportunity cost of lost investment gains from investing the premium(s) at the younger age as well. I feel like age 60, perhaps 55, may be the earliest. And even 55 seems too young perhaps. 60 - 70 might be the sweet spot. What do you think? Of course, if the client wants it at whatever age, then do so.