Long Term Care Insurance - Why Age 60 Makes a Difference?

The fundamental way insurance works is that it is actuarially counted to cover the risk at every specific age. So if you buy long term care insurance at the age of 50, it is dramatically cheaper than it is at 60. And i'm sitting here and saying, is date, are dave ramsey and susy norman more intelligent than the actuary that have carefully calculated the risk? I will tell you that longterm care insurance is perfectly priced at every single age. If i were working with a client who is 65 years old and they don't have enough assets for retirement, there is not a chance in the world that they should buy life, excuse me, long term care