Long term care insurance is a big investment into your future, so you should look through the common sales pitches and make sure you get what you want.

The pitch: You need to buy long-term-care insurance when you are young. More than 40 percent of people who need long-term care are under age 65.

The catch: Only 159,000 of the 238 million people under age 65, or less than 1 percent, receive nursing-home care.

The pitch: There is nearly a 50 percent chance that a person will require 24-hour care in a skilled-nursing facility.

The catch: One percent of those ages 65 to 74 live in a nursing home, 4 percent of 75- to 84-year-olds, and 19 percent of those age 85 and older.

The pitch: If you are over age 65, you don’t need inflation protection.

The catch: According to the most recently published figures, the average age of admission to a nursing home is 83, and costs are expected to rise more than 5 percent a year. At age 65, you face 18 more years of inflation.

The pitch: You’ll get into a better nursing home if you have insurance.

The catch: While some nursing homes may prefer to take residents who do not have to rely on Medicaid, there is no guarantee that those homes provide better care.