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I recently bought a Long-Term Policy for myself and wanted to get one for John too. After spending many months researching various companies and their policies' terms, it was apparent that none of the five or six major insurance companies that we looked at were willing to insure a person with PD. As a matter of fact, about the fourth question of the application asked, "Have you ever had 1) cancer 2) heart disease, 3) Parkinson or Alzheimers, etc... If 'yes' to any of the above, DO NOT SUBMIT THIS APPLICATION." !!! Was told by agents that PD is seen as one of those "illnesses" that would quickly qualify the insured for meeting the requirements necessary for the policy to be activated; i.e., dementia, feeding oneself, dressing, etc. NOT FAIR!!! But the insurance companies are making the rules and the money. They want to keep it that way!