right its a nice thought getting a chunk of money, from the value of your house and spending it on a new motorhome etc. and its paid back when both have died, with the company taking their chunk, and then surviving kids get the rest. but do you do this or wait till your are put into a home and the council/social put a charge against the property so gradually it dwindles away till nothing left, what would you do? i sold my motorhome using the money to help me move into rural wales, after taking early retirement, i am now living the dream of a peaceful life, doing gardening helping locals on school run, and if nice walks on barmouth beach.