The state of your health is the most important factor in determining if you can qualify for long-term care insurance. Long-term care insurance is underwritten based on your medical history including cognition, family health history, current health status and lifestyle. When you apply, you must be mentally fit and able to perform all activities of daily living which are defined as bathing, dressing, eating, toileting, continence and transferring. If you are in great health, do not use tobacco products, and do not take any medications, carriers will be quick to insure you because you represent minimal risk. Certain health conditions could prevent you from qualifying for long-term care insurance.