I have a husband and wife 64 and 61 that need coverage. He is a doctor and they have lots of assets. The problem is that he is 1 year out of prostate cancer (no sign now) and she is a bit overweight and on thyroid meds. She is not obese, but is 5'9" 198lbs. I am looking for someone who is possibly able to write in Utah. I have heard of asset based long term care, but am not clear how it works. Any direction would be appreciated.