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"Children are a good insurance policy,” said Merril Silverstein, a prominent gerontologist at the University of Southern California. “In some other countries, that’s why people have children. Here in the US though it’s less certain, although it is still a pretty good bet.” I believe planning ahead is the best option: assessing your potential quality of life, drafting advance directives/living Wills , choosing a health care Power of Attorney who understands your wishes and leaving your family a legacy free of debt. Join us April 4, 2016 @ 6:30 p.m. @ 713-955-0734.