Statistics would show that around 70% of people who are 65 years old and above will require assitance in their daily living activities and other types of long term care services. About 41% of these people are only below 65 years old. This only shows that long term care isn't just for seniors but as well as for people with disabilities, injuries and serious conditions. In addition to this, the life expectancy is much longer nowadays. People are more vulnerable to diseases and conditions that will require long term care in the future. If you have high risk factors and family history, you will also most likely need long term care in the future. The cost of long term care these days are expensive and it continues to go up. Without long term care insurance people will surely have a hard time paying for their expenses. If you are at risk of developing serious illnesses and conditions, I suggest that you purchase long term care insurance as early as possible. It's better to be prepared than to suffer the consequences of your actions later on.