We're making some changes.  We'll still answer one question each month, and in the following three weeks, Diane will share case samples of client's she has helped, how LTC insurance is really not for us but for our families - to help them navigate our LTC crisis, and we'll bring back one guest in a related field each month.  This week, Carla was declined by a company recommended by her bank and wants to know if every company will now decline her.  Please listen, like, share and subscribe.  And check out Podnods to hear more valuable podcasts that they are helping to promote.