They will calculate your estimated date of death based on your age now and your health. They then set your monthly payment so that they have paid you no more than 75% of the equity you have in your place at present evaluation. If you die earlier (which they hope for) they will do even better. One must remember, they are in this business to make money, not to help you or anyone else. You will never "outlive" their calculations. That would be very stupid of them. Kinda like the rich tycoon talking you into letting him take out a $500,000 life policy on you at age 70 and listing him as beneficiary and he will pay you $ 500 per month as long as you live just for the privilege. Once you see ALL the figures and conditions (you will be responsable for all upkeep and repairs to keep the house in "as contracted" condition) I think you will seek another way to do accomplish your goal. Just another "legal but preditory" business. Not just an opinion but we've looked into it for my mother-in-law who was sucked in by the fancy "celebrity" sales force on TV.
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Today's Featured Article - A Cautionary Tale - by Ian Minshull. In the early 1950s my father bought an Allis Chalmers B and I used it for all the row crop work with the mangolds and potatoes, rolling and the haymaking on our farm. The farm and the Allis were sold and I have spent a lifetime working on farms throughout the country. I promised myself that one day I would own an Allis. That time event
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