Long Term Care Insurance can be surprisingly affordable if you choose your benefits wisely. Finding the balance between too much and too little insurance is important.

Here are a few things that will affect the price you pay:

• Your age
  While it's true that your age affects the premium, watch out for the "birthday close" from an insurance agent trying to rush you into buying right now. Take your time. Although your age does affect the price you pay, it's more important that you take your time and buy at the right time.

• Your health
  The single most important thing with this type of insurance is your current health. While waiting several years to buy may seem great, you may be just one prescription away from your prices increasing remarkably high, or worse, not qualifying.

• The amount of coverage you decide to get
  Watch out for insurance agents who add on their favorite "riders" to your plan, which can be benificial in some cases, but can also push the cost up. Make sure you know what you want and what you're getting.

• The discounts available
  Make sure to ask about what kind of discounts, such as preferred health discounts or married discounts (or even partner discounts), are available to you and/or your spouse.