I was about to turn 60 when I lost two dear friends to long-term health issues and cancer. I saw first hand the toll it took on their families and the agony of the financial burden on their loved ones. I knew long ago that I need to plan for the inevitable. I procrastinated until I heard an ad on the radio about hybrid LTC policies. I signed up for one of the free 525 seminars and received an informative booklet (lots of information to take in at once at the presentation) and reviewed it with my husband who does not like to discuss such matters. I finally convinced him to attend another of the free seminars with me so he can ask more questions. There were no hard-sale pressures, just lots of sound information and facts regarding potential care costs (which I already know is true) and how the LTC system works in various personal situations. My husband and I decided it made sense to purchase a policy for me to start. I admit that the cost is hard to swallow at first. But the return should I need it would be a tremendous help to me and my family. I look at it as an investment in my future and if I don't use it, my family will still get what I put in back. After I made the commitment, I felt a weight lifted off my shoulders because I know I have set aside funds for care and now I can decide what else I would do with my savings during retirement. My husband felt good about it as well. We decided to go with 525 because Brian and Madalyn were both very down to earth and transparent about various policies and answered many questions and were quick to respond via email and phone calls. They don't sell just one product which I felt was important for an unbiased product for me. I am very happy I made the leap. I highly recommend going to the seminars for information and to listen to others to weigh your own options.