With these new combo policies, it makes sense to start thinking about them around age 60. You’re likely still working and have the money to put in over 10years if you select a combo policy. And your deposit will be lower, because the insurance company has more time to make it grow to pay your ultimate LTC benefits, or death benefit. Plus, you will be in good health and able to qualify for a policy.
But it’s not too late to do it age age 70, if you are still in good health and have the money.