 And our plans guarantee a benefit regardless of your outcome. We like to call it win, lose, or draw. Win means you live a nice long life and you never need care. Our plans will pay you back more than your premiums in this case. Lose is when you need long-term care services. Our plans offer up to a lifetime of coverage so you will never run out of tax-free dollars to pay for care. And draw means there's still value in your plan if life changes course. We have plans that return 100% of your premiums if you ever want your money back. No questions asked.