I wasn't sure I really needed LTC insurance, but one gal approached me & tried to explain the importance & she gave me a quote. I didn't understand ANYTHING about it, though she tried to explain it. One year later she gave me another quote, with another explanation. I still didn't understand it. Then when I heard that Dave Ramsey & Suze Orman both said that it was important, I wanted to check into it again. I asked someone from another comapany for a quote, & again, I understood NOTHING from the explanation. I decided I didn't need it. Then I went to a "Retiremeet" seminar in Feb. 2016 & knew I wanted to learn more, so I attended Brian's section. Things were making sense finally, so I decided to make an appointment. Madalyn & Brian are SO patient, & thorough in their explanations. I finally got to understand it. Brian explained the different coverages, as they represent so many companies & plans, but I was directed to what was BEST for me with explanations of why other plans were not suited for me. I trust them & am happy with my choice. Sure I'd rather not spend this money, but I feel it is important & I have less worry now. Thank you Brian & Madalyn!!