Buy young:
Rates, in part, are based on your age. The younger you are, the lower your premiums generally will be. Also, the older you get, the more likely you are to have
health concerns that make you uninsurable or would make coverage more costly. Almost half of the people age 70 or older who apply will not be eligible because of their health.
Preferred health discounts:
Most insurers offer preferred discounts to those in exceptional health. The majority of policies are issued with standard rates. If you qualify as a preferred customer, discounts of 10 percent or more may be available.
Couples/partner discounts:
Many insurers offer discounts when both spouses or domestic partners apply for coverage together. Some may even offer discounts to
multi-generational families or siblings who reside together.
Starter policies:
Other financial priorities may make a comprehensive policy seem out of your reach, but some insurance plans can be designed to offer a smaller starter policy to give some protection now. You can sometimes add additional coverage down the road, or buy a supplemental plan to complement your initial policy.
American Association for Long-Term Care Insurance, 2010 LTCi Sourcebook