Who needs long term care insurance?

No one really knows if they will be needing long term care in the future, but there are several factors to consider. Your age, your health or family's health history, your gender and your current financial and living status.

If you have a history of chronic illness in your family, you might be at risk. Or if you are already in the prime of your life, then you might consider getting ltci, because the likelihood of needing it increases at you age.

Women tends to live longer than men due to their lifestyle. Men are more active in Alcoholism and smoking so they are prone to die at an early age. so women have the higher risk of being an ltc dependent.

Your current living status also matters, if you live alone or a widower, and you can't rely on family members to care for you then you will also need long term care.