Ralph Romano is our Life Insurance member. Ralph provided us a handout that describes a Universal Life Insurance product that also has Long-Term Care Benefits. The brochure describes a specific product that Ralph represents that can provide life insurance protection for individuals and their families that can also provide payment if the policyholder finds themselves in the position where they require care provided by a home care agency. Ralph used this product only to bring up the topic of all of us to consider looking at the benefits of long-term care insurance but also to demonstrate an example to the products he represents which address his clients specific needs and their expectations for future protection of their assets and providing for their loved ones. Ralph represents many lines of insurance that can be customized. Remember Ralph Romano and The Leaders Group when you hear your associates mention that they are looking for life insurance or they have had a life change that may affect their current life insurance portfolio.