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                   In the News:

                   Long-Term Care - Carolyn Said, San Francisco Chronicle

                   Will Insurer's pay? - Victoria Colliver, San Francisco Chronicle

                   How Does Long Term Care Insurance Work?

                   Understanding Individual Long Term Care Insurance

                   Long-Term Care Solutions & Your Clients Estate Planning

                   International Health Insurance - Phil Dougherty and William Cole

                   The Risk of Disability is Great - Disability Table Study

                   Earnings...Your Most Valuable Asset