Steve Cain Hired to Lead LTCI Partners Sales EffortsLAKE FOREST, IL. -- October 6, 2009 -- LTCI Partners, a nationwide Long-Term Care Insurance wholesaler, is pleased to announce that Steve Cain has joined LTCI Partners to lead its sales team. Cain brings over 12 years experience in the area of specialized insurance solutions, most recently as Senior Vice President and the National Sales Leader of Long-Term Care Insurance (LTCI) for Marsh Private Client Services, a division at Marsh USA, Inc., where he helped build Marsh into one of the industry's largest wholesale and retail distributors of LTCI. His focus at LTCI Partners will be on long-term care as an employee and executive benefit and institutional long-term care relationships. Prior to joining Marsh, Cain worked for a third-party administrator introducing several insurance carriers' products into the brokerage market. With additional experience that ranges from the home office to retail sales, to the brokerage market, Cain has gained valuable insight on all aspects of the industry, from sales and marketing, underwriting, policy administration, and claims. To support Cain's commitment to enhance awareness of the LTCI industry, he regularly addresses industry groups such as the Association for Advanced Life Underwriting (AALU), State Bar Associations, the American Association for Long-Term Care Insurance (AALTCI), the Society of Actuaries (SOA), the National Association of Health Underwriters (NAHU), the Million Dollar Round Table (MDRT), and the National Association of Insurance and Financial Advisors (NAIFA). About LTCI Partners, LLCLTCI Partners, LLC, is a nationwide brokerage agency fully devoted to serving the Long-Term Care industry. LTCI Partners offers marketing, sales and administrative support, as well as a wide variety of Long-Term Care products from the nation's largest and most-respected carriers. For more information, visit www.ltcipartners.com or call 800.245.8108.

Led Wholesale and Retail LTC Insurance business.About Marsh Private Client SolutionsPrivate Client Solutions can provide the insight to see risk more clearly and the solutions to manage it more effectively, helping to ensure legacy preservation and an exceptional quality of life.We provide dedicated Personal Risk Management consultation, advice and brokerage services to high net worth individuals, family offices, and their trusted advisors. By working with risk management experts who understand the unique risks that high net worth individuals face, families and their trusted advisors can enjoy the confidence that comes with a comprehensive asset protection program - one that includes property, casualty, life and long-term care insurance.Marsh has 24,000 employees and provides advice and transactional capabilities to clients in over 100 countries. Marsh is one of the operating companies of Marsh & McLennan Companies (MMC), a global professional services firm with more than 55,000 employees and annual revenue exceeding $11 billion. MMC also is the parent company of Guy Carpenter, the risk and reinsurance specialist; Mercer, the provider of HR and related financial advice and services; Oliver Wyman, the management consultancy; and Kroll, the risk consulting firm. MMC's stock (ticker symbol: MMC) is listed on the New York, Chicago and London stock exchanges.

Company BackgroundIn January 1980, LifeCare was incorporated in Arizona as a reinsurer (then called ADCO Re). In 1988, current management formed 21st Century Life and Health Company, Inc., a California insurance holding company, which acquired ADCO Re and renamed it LifeCare Assurance Company. In 1989, LifeCare increased its capital and surplus and expanded its license to a Life and Disability Insurer. LifeCare's primary activities are developing, administering, and reinsuring long term care insurance joint ventures. LifeCare and its reinsurance partners provide long term care reinsurance programs customized to the needs of insurers, both for new business and for closed blocks of inforce business. LifeCare's executive and administrative operations are located in Woodland Hills, California. LifeCare's operations are highly automated utilizing the latest technology, computer systems and office equipment. Underwriting, policy issue, claims, policyholder service and all other company functions are performed in the Woodland Hills administrative office. Currently, LifeCare staffs over 270 employees and occupies over 60,000 square feet of office space. LifeCare established its first joint venture partnership with John Alden Life in late 1988. Since that time it has implemented joint ventures with Bankers United Life, Allianz Life, Republic-Vanguard Life, John Alden Life of New York, ALLIED Life, Lincoln Benefit Life, State Life, MassMutual, Berkshire Life, Minnesota Life, and Assurity Life. Total long term care paid premium production has grown from $60,000,000 in 1998 to $391,946,600 in 2008.