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Indicative Case Study 1: The Hernandez Family (Homeowner Focus)

By Care @ Home for Life

December 23, 2025
case study featured image hernandez family

The Challenge: Leveraging Decades of Appreciation for Care

Raul Hernandez, an 85-year-old widower, lives in the Sarasota, FL, home he and his late wife purchased in 1992.

The home, now mortgage-free, is appraised at $2.2 million, a tremendous source of untapped wealth.

Raul’s health is declining, requiring nearly 35 hours of in-home support each week. His fixed income cannot cover the escalating $6,000+ monthly care costs, and his children were faced with the agonizing choice of liquidating the beloved family home or moving him to a facility.
He desperately wanted to age in place.

The Solution: Care@Home Guarantee™

The Hernandez family chose the Care@Home Guarantee™ program. Raul transferred the title of his home to an Escrow Agent, securing his absolute right to live there comfortably for the rest of his life. In exchange for leveraging his home’s substantial equity, he received two critical, fully funded benefits:

  1. Care@Home Services™: An immediate, comprehensive, and non-cancellable insurance policy covering all current and future in-home care needs, with no caps or monthly bills for his unlimited Platinum-Level care.
  2. Care@Home Income™: A $2,800 guaranteed monthly payment (a lifetime annuity) to supplement his fixed income, providing financial peace and covering daily expenses without stress.

case study hernandez fam

The Impact: Peace, Dignity, and Security

Raul continues to live in his cherished home, surrounded by decades of memories, receiving high-quality, professional care. His children are relieved of the emotional and financial burden, allowing them to focus entirely on quality time.

The Escrow Agent protects the arrangement, ensuring the performance of the care and income promise. For the first time, the family has total peace of mind, knowing Raul’s care is settled, guaranteed, and delivered with dignity, exactly where he wants to be.

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.