This is one emotional baby when selling this monster. My newest story to tell when selling LTC is this. I ask my mother in law (MIL), for the past year to get LTC, even last week it would of been tough to get her through underwriting. Yet two weeks ago her father had a TI - stroke, seeing the problems she decides to go ahead and bite the bullet and join my family plan. She thought it to be too expensive even though its not really once you take into account the tax deduction plus a family or association discount. Yet though she comes over and says she is ready and is 59 years old. Bad thing, one day later she has a stroke! More then likely due to the pressures of her father's health problems such as the stroke he had a week earlier! Outside of the pressures these strokes had on my wife and my household I now understand that her my MIL is now basically in my hands totally, financially speaking. Just don't see getting her through underwriting for some time now with the stroke. Esp. since she has as soon as leaving the hospital continues to be active in her fathers care, I just can't believe this! Moral of the story, don't be like my MIL and end up being one big burden upon your child and their family. Basically, her other children do not have the ability to financially support or the the emotion/character to be to be of any assistance. Needless to say this is adding a bit of a burden in my household. As I work on our Plans for the house we'll be building next year my wife is insisting on a full apartment for her mother, this was not a part of the plan well at least not a part of mine. Its not just the apartment but the constant care it'll take to take care of her. Now a solid LTC Policy would of greatly of aided her retirement. She has enough years at UTMC to retire but if this stroke and obvious future strokes or Heart Attacks can demolish her retirement funding plans greatly and basically make her a ward of my family or the State.