Dollars into MoneyGuard Reserve will soon buy less LTC benefit. This is due to the continuing low interest rate market. The benefits will drop most for those over age 68 (-11% to -17%). If you have any fence-sitters trying to decide whether to move money into this outstanding hybrid LTC contract, now is the time to act. Changes take effect October 1, 2011. Apps and checks must be into Designs In Life by September 30. For more information, please call.