Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to reduce the cost of long term care insurance [title] Buy early. [step] Purchasing long term care insurance early, ideally during your 50s, can reduce your premiums considerably. This is the reason why long term care planning should be done way ahead as well.

Ending1: Early onset coverage can reduce the cost a particular policy will deal with, if the severity of the illness seems to be affected. When buying insurance, contact the insurance agency and inquire about potential offerings. Ending2: [substeps] Acquiring a policy at this stage is highly encouraged for two reasons. First, it may mean a lower premium for you. Ending3: Additionally, if you buy the insurance early, you are guaranteed a lower premium. [substeps] Buying insurance ahead of time is the best way to set up a short term care plan. Ending4: To reduce the costs of regular medical care, consider purchasing late-term care insurance companies. These companies are more responsive to medical coverage and offer lower premiums.

Answer format: ending1/ending2/ending3/ending4