The likelihood of needing long-term care is high. A study reported by the New England Journal of Medicine states that 43 percent of people over the age 65 will enter nursing facilities during their lifetime. Long-term care insurance is the most efficient means of protecting your assets from this threat. That's why we're pleased to announce the availability of a Long-Term Care Insurance Policy, underwritten by John Hancock Life Insurance Company. This policy is being offered to eligible members, spouses, partners, parents and parents-in-law, stepparents, and stepparents-in-law, grandparents and grandparents-in-law, children, and stepchildren between the ages of 18 and 84.