[villagetinker]

OP, talk to your financial advisor to see what is available. We bought a policy back up North, and as I recall, we get back the premiums IF WE DO NOT USE IT, we get assets shielded as mentioned above, but I am in the process of confirming my back up North policy will satisfy the Florida requirements. At the time we wanted to be able to pass along some assets to surviving spouse, however, we are also reevaluating this policy in light of costs, current conditions, etc. All these situations are different and what is suitable for one person make make no sense for another person.