Bob and Mary are typical retirees. They worked hard their entire lives, saved, and addressed the obstacles to an enjoyable retirement –except one. Bob and Mary have not prepared for the risk of needing long-term care (LTC). They have been presented with the idea of LTC insurance. However, the concern over the “use it or lose it” concept of LTC insurance along with the thought of paying premiums during retirement, is of concern to them. Should LTC become a reality, they have d