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At 61 percent perceived need vs. 18 percent ownership, long term care represents the greatest disparity between perception and reality.

Nobody wants to suffer the ill effects of ending life’s journey in an institutional setting.

Over 80 percent of all care takes place at home.

The simple truth is we have struggled valiantly to defeat or ameliorate inferior or discounted institutional care.

We ask ourselves: Do we have any responsibility for a situation that will ultimately result in the demise of the dragon risk termination.

"No one wants to call what we’re now selling long term care insurance—too much bad press.”

Living benefits began with the first cash value policy where the consumer could access their own “investment” component while still “living.