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    Bern, Brian - this is just to help people keep their homes when they have to go into care. Thats all, you are off on a tangent there Bern. Some will prefer to not do this and should they need long term care sell thier homes to pay for it like they do now, thats their choice. Just as it is the choice of people whether to take life assurance, critical illness cover or any other insurance.

    At the end of the day long term care has to be paid for and this provides another choice for people. Some are thrifty, save, buy a home while others spend, spend, spend, why should the former be expected to lose all they strived for when they end up in a long term care bed next to someone who did the latter and never saved and just lived the 'good life'.

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