 And or if I find that I need nursing needs, someone to come in and give me home health care, that policy, that $200,000 turns into $180,000 of nursing care. So if that's a concern of yours, if you're thinking you want to make sure that you get income, you want to make sure that you get income that lasts the rest of your life, and or instead of taxable income from an IRA, from a 401 , you want to make sure you get tax-free income,