In 2001 life delivered huge surprise to Rod and his family. He personally experienced  the impact a sudden major medical event can have on lives. He survived a severe heart attack and later underwent open heart surgery.  His primary care giver was his loving wife. She became one more of  the typical care givers in America: a woman, aged 50+, a mother with 3 children, working full time, and providing over 20 hours of care per week to a loved one.

 Two years after his own medical emergency, Rod and Charlene purchased a long term care policy, not for him, but for her. It was to protect her ability to receive care later in life, if Rod\'s need for care became expensive and long term.

 Because of his knowledge of the long term care industry and his own family\'s circumstances, Rod has become a crusader to educate families on their need to protect their retirement and their family\'s futures with appropriate and affordable long term care insurance.

 By exploring all the facts, Rod helps his clients develop a long term care plan and fund it with insurance. It is what a responsible person would do for his or her family. This is true regardless of the size of a client\'s retirement portfolio. Rod encourages families to plan for what might come in the future, and then sit back and enjoy the good things that life brings.