I 'm sure you are aware People are Living Longer This fact is very sobering to me. Once a person reaches age 70.......2 out of 4 people are requiring care for the activities of daily living. (Eating, dressings, etc) There are programs today they have been designed that should you NOT use the program you can receive all the money back to you  & even receive interest as well. It's a combination plan with an annuity.

I use the top company's you should be familiar with to write solid stand alone coverage in these areas of concern as well.

Most people I talk to do not want to be a burden to there family. I've spent time with my Mother & Father and working together the three of us agreed on a product that they were comfortable with. I know my brother & sister will be relieved when they realize Mom & Dad were proactive in this area of planning. 

If you would like to discuss.........call me!

Thank you for your interest!