Hello. I have been on these forums for a few years, but over in the employee benefits and life insurance side. I inherited some life insurance clients from my dad when I took over the company and now many of them are expressing some interest in LTC. I have looked at it over the years, but found it to be super volatile and quite restrictive. Last time I got quotes, it was for MedAmerica and now they are gone. Curious of what companies you might suggest that are still offering a decent product? It just seems like a hard product to justify if they have premiums for life, no death benefit and then IF they go on claim a few thousand dollars a month for a few years. How are you guys selling this? I may just put my own thoughts in the way, which is a problem I have. I'd really like to be able to help people who genuinely would feel better about having some protection even if it isn't the best "investment" per se. I have read through a lot of the comments here but would like to explore this situation a little bit with you if you are willing. Thanks!