Please, maybe you guys can educate me being that so much is being reported about health care. Did the university find out that your wife has cancer. The reason I ask is that a couple of years ago we had a Life Insurance representative contact my mother about purchasing a life insurance policy because she had a sizeable nest egg. However my late mom was at that time was in one of those independent living communities. My wife told the agent to get lost and at that time she was showing signs of Alzshiemer and was later diagnosed. A different financial advisors told me that even though it would of been a good investment tax wise, the insurance company could now find out about her illness and disqualify her.