Many thanks for your reply to our email of January 16, in which we asked for your views on our current long term care policy we bought in 2003. We appreciate the time you spent looking at what you have in your records about my wife's policy and the time you spent talking to her on the phone January 10th. It helps us to have a current perspective and makes us feel better about the decision we have to make. We had both been wondering whether we might be over-insured and whether it might be a mistake to accept the price increases without making some adjustments to our coverage. With the information you have given us, we feel that the increases may not be out of line with the realities of the current market and that we would probably be wise to keep what we have, at least for the time being. Your suggestion to my wife in the phone call, to figure the ratio of what we have paid to the value of the benefits we have accrued, was especially helpful to us in arriving at this view.
We bought our policies 11 years ago and are very pleased that your referral source has been willing, after so long a time, to support us in this reassessment of our coverage. We particularly appreciate your timely and helpful advice and would be glad to convey our thanks to others, if that would be useful in anyway. Mr. W. M.