Points to consider when purchasing Long Term Care Insurance.  Today's culture offers some very harsh realities of disturbing consequences for those that delay proactive care with this possible area of financial risk. This area of financial risk today is commonly called the financial quicksand abyss that can devour your assets leaving you penniless as you age in life.  Most people today do not understand the realities of this financial risk and are thus unprepared to face this challenge that can undermine and destroy all other well designed plans they may have put in place.