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With China entering the aging society,family structure is miniaturizing and empty-nest families are increasing,which leads to changing the traditional model of family pension,and the demand for professional care of elderly people is growing.The risk of long-term care has become an important social risk.This paper elaborates the necessity of implementing the long-term care insurance from view of the current situation of aging in Zhejiang province.Meanwhile,for the situation of not so many types of long-term care insurance and the sales volume is limited in insurance markets,the paper analyzes the factors of affecting the demand for long-term care insurance,and some suggests are proposed.