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Indicative Case Study 2: The Garcia Family (Consumer Focus)

By Care @ Home for Life

December 23, 2025
case study featured image garcia family

The Challenge: Securing Joint Lifetime Care for a Highly Appreciated Home

Mr. and Mrs. Garcia, both in their early 80s, were proud residents of a beachfront condo in Naples, FL, which they had acquired in 1989. The property, which had appreciated significantly over three decades, was now valued at $2.7 million.

They were concerned about their health in the coming years and, specifically, how they could afford two separate lifetimes of care on their retirement savings without leaving their children with a massive financial burden. They wanted a solution that covered both of them indefinitely, allowing them to remain together in their home.

case study garcia family

The Solution: Care@Home Guarantee™ with Life and Survivor Coverage

The Garcias chose the Care@Home Guarantee™, structured as a “Life and Survivor” policy, ensuring both spouses are fully covered for life. By leveraging their home’s significant equity, they secured the following:

  1. Guaranteed Care@Home Services™: A fully insured contract covering unlimited, Platinum-Level in-home care for both Mr. and Mrs. Garcia for as long as either of them lives. This removes the variable and uncapped cost of future care for both individuals.
  2. Care@Home Income™: A guaranteed $3,000 monthly annuity (slightly adjusted for the two-life coverage) paid out for as long as either spouse is alive, providing a secure, predictable supplement to their retirement income.

The Impact: Dual Security and Simplified Legacy

The Garcias gained immediate security. They now have an assured income stream and the certainty that their future care, regardless of duration or intensity, is fully funded and guaranteed by a regulated insurance partner.

Their children are relieved to know that the high appreciation in the family home, built over decades, has been converted into a guaranteed safety net for their parents, preserving their parents’ dignity and independence without the need to manage complex finances or care logistics.

The Garcias successfully converted their home’s “sleeping wealth” into an active source of dual security for their final years together.

Footnote: This case study described is a typical situation and any resemblance to person or place is coincidental. The numbers are examples and the exact numbers for each situation will vary.

  • Doug Kneebone

    Co-Founder & General Counsel – In-Home Care for Life Model

    Entrepreneur | Business Innovator | Counsel

    Doug-Kneebone-image

    • Doug began his career as a law partner in a major firm in a traditional mergers and acquisitions practice developing innovative finance and corporate governance solutions for a wide variety of clients; completing major transactions in the United States, Canada, Britain Europe and India.

    After 20 years he left his law practice to join an international entrepreneurial technology company as its general counsel and member of its senior executive. In 2010 he co-founded his own boutique investment banking and advisory firm specializing in startup technology companies and innovative financing solutions frequently participating as a board member or as the principal board adviser. Doug has extensive experience in patents, trademarks and IP licensing.

    During his evolving career path, Doug became acquainted with Eiso Wortelboer and acted as Eiso’s counsel in several commercial transactions before eventually becoming General Counsel to Eiso’s senior care business in California. His experience in the senior care business convinced him that a new model was required to help seniors fulfil their greatest wish – to remain in their own home in comfort and security. This had led Doug to join with Eiso in founding In-Home Care for Life and developing the Care@Home Guarantee.

    To bring a viable stay-at-home product to market that will permit seniors to age at home in dignity, comfort and security.

  • Eiso Wortelboer

    Founder & CEO – In-Home Care for Life Model

    Entrepreneur | Healthcare Innovator | Structured Finance Specialist

    Eiso profile photo

    • Entrepreneur and innovator with a unique background combining structured finance, in-home care operations, and senior-care investment models. As Founder and CEO of the In-Home Care For Life Model, Eiso is building a U.S.-based platform that merges life annuity real estate (rente viagère) with long-term care insurance — enabling seniors to age at home with dignity while providing investors with sustainable, property-backed returns.

    Drawing on 15 years of experience in structured financial products at De Hoop Finance in Geneva, Switzerland — collaborating with Société Générale and BNP Paribas in Paris — Eiso mastered complex risk structuring and investment engineering. He later applied these skills to healthcare operations in California, operating/owning an agency over the last 10 years and developing innovative models to finance long-term care while aging at home.

    To redefine aging with dignity by making it possible for every senior to remain safely and comfortably in their own home — surrounded by the memories, routines, and independence that give life meaning.

    Through the Care at Home for Life Model, Eiso’s vision is to bring together compassionate care and innovative financial design, so that no one has to choose between quality care and the place they call home.

  • Aurelian Anghelusiu

    Chief Relationship Officer

    Transforming Life-Long Legacies and Redefining Senior Care Services with the Care@Home Guarantee Program

    aurelian

    • Aurelian Anghelusiu is a seasoned luxury service executive whose 30+ year career has redefined the art of hospitality and service across many and varied market sectors. Now, as Chief Relationship Officer at Care@Home4Life, a forward-thinking firm introducing the Care@Home Guarantee insurance solutions to the U.S. market, Aurelian brings his mastery of emotional connection, perceptive resonance, and client-for-life philosophy to a sector hungry for trust, empathy, dignity and human-centered retirement services.

    Fluent in several languages, Aurelian is a relationship architect who bridges cultures and generations – having consistently created and elevated client loyalty, brand identity, and bottom-line results, through win-win strategies built on mutual trust, respect and commitment.

    Rooted in the Ritz-Carlton tradition of “creating customers for life”, and the famed “Gold Standards” Aurelian’s leadership ethos is defined by:
    – Perceptive Resonance — anticipating and exceeding client needs before they’re spoken
    – Emotional Intelligence & Trust-Building — especially critical in longevity-based financial products
    – Cultural Sophistication — cultivating belonging in high-touch, values-driven environments
    – Legacy Thinking — turning transactions into lifelong commitments and communities into families.

    In an industry where clients seek both security and dignity in their later years, Aurelian curates personalized journeys that honor heritage, passionate and long-term care solutions, while embracing innovation. His role as Chief Relationship Officer includes:
    – Building Long-Term Trust with aging homeowners, their families, and advisors
    – Educating U.S. Markets on the cultural, financial, and emotional value of the Care At Home Guarantee product
    – Translating the Meaning and Age Old Concept of Hospitality into Human-Centered Senior Care Insurance Benefits
    – Championing Ethics, Empathy & Elegance in a product category traditionally underserved, undervalued and misunderstood

    Aurelian has turned customer service into a signature. His leadership has been profiled in BizWeekly and admired by peers as “revolutionary,” “visionary,” and “deeply human.” He now lends that same magic to a company poised to disrupt the U.S. insurance landscape with European wisdom and American heart.

    For more information, please contact here.