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Music hi I'm Dave littell and I'm here with Jamie Hopkins and Bill Borden and we're gonna talk about life-insurance policies with accelerated death benefits as a way of funding long term care expenses welcome thank you Dave all right bill let's start with just generally is is this a product line that's very active or insurance companies behind this supporting it is it a growing or a developing field for a variety of reasons it seems to be the area where the most growth and innovation has been occurring okay there's a as I mentioned in a previous conversation there's only about eight to ten carriers selling link benefit policies there's 25 or 30 at last count that are selling these life insurance policies with accelerated death benefits okay now I know there's sort of two different code sections but I think all of these policies with accelerated death benefits share some some features because you sort of talk about which both types tend to include you know absolutely all of these polici

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