My vision for the A.D. Members and their families is that with my 14 years of experience
as a Long-Term Care Insurance Consultant, that I am able to encourage you to Plan, Prepare, Protect
and Face Reality against the very HIGH RISK of needing some form of Long-Term Care Services.
The long-term care services that you or a loved one may call upon some day vary from
Nursing Home Care, Home Health Care, Assisted Living, Personal Care, Adult Day Care, Respite Care,
and Caregiving Support. Without looking into all of the available options, and by not taking the
time to plan accordingly then you or a loved one may be faced with serious financial, emotional, and / or
physical devastation. Additionally, if you happen to become a Caregiver, as I have, you may also face many
emotional breakdowns that may affect other areas of your life within your family structure and job performance.
The KEY POINT is to take the time to plan now before it's too late. Today, there are only
limited ways to pay for long-term care services in our Society. Primarily, the only three ways to pay
for these services in our Country today are Cash (Yours), Public Assistance
(If Your Broke) or Long-Term Care Insurance - (Other People's Money). Additional facts and figures
also shows that there is a growing number of Families and Employers concerned about Eldercare issues
in the workforce. Again, these issues may be in any areas of financial, employer-employee concerns,
emotional, physical, or just supportive.

Long-Term Care Insurance is not for everybody - but it is for everybody who has either
income or assets (or both) worth protecting. 70% of retirees (65 and over) will require some sort of long term
care before they die (Nursing Home, Assisted Living Facility, Alzheimer Center, Adult Day Care or Home Care).
Regardless of which one they'll need - it's going to cost a lot of money! How would you pay for it?

The Odds are very, very high, that you will need some form of long term
care services in your lifetime. Nursing Homes, Assisted Living Centers, Alzheimer Centers, Adult Day Care Centers,
or Home Care Agencies are in the business to provide these services. The only problem is their services have to be
paid by someone, and that someone is usually you until you "spend down" your life savings to poverty level.
Just think about if for a moment. When you really look at it, the most obvious, sensible and economic way to pay for the
services you may need in the future is by purchasing Long Term Care Insurance while you are healthy enough to qualify for it.
Do yourself and your family a favor. Take the action to preserve what you have worked a lifetime to accumulate. Look into the
benefits of Long Term Care Insurance for you and those you love while you are healthy enough to qualify.
LTC Ins may be the best gift you'll ever give to your family.

I hope my vision I have for you and your loved one's becomes
enlightening and fruitful for you as we all learn more about A.D. and related Eldercare Issues. If you have internet access
I encourage you to research the related important links on my Web Page which I dedicated to the memory of my late Mother
who spent the last 13 years of her life in a nursing home from her age of 57. My Web Page may be located at:
http://www.geocities.com/WallStreet/Floor/2821.

An On Line Tool for Long-Term Care Options is Available for Public Use located at:

http://www.penntreaty.com/pttoolkit/ltc/main.asp?toolkitID=L01240031.

To request a quote on LTC Insurance or a presentation on Long-Term Care financing options to your Group or
Organization, please call my Office at 814-723-9663, or you may reach my Toll Free Voice Mail number at
1-800-861-0402 Ext. 2920. You may also Fax your request to 814-723-0175. I may also be reached through my email at
dpool@penn.com or SrLTCIns@aol.com.

Sincerely,