My wife and I knew we needed to own LTC plans because we wanted to have income to pay for care if we needed it.

I had ideas about what we should own and what companies to consider. Raymond showed us various plans and explained what they offered and he highlighted those plans that would help us to meet our objectives.

Then he showed us plans that would do even more. This allowed my wife and me to own plans that provide unexpected flexibility in how we will be reimbursed when we need care.