That would be an instant decline, unless you have a guaranteed issued product. There are some in FE, like Americo and some on Med Supps like AARP is until June 1st, and United of Omaha N plan in most states after June 1st. Alzheimers is not something like diabetes or high blood pressure that is rated to the severity of it. It is all or not. It is a disease that severely impacts your daily life forever and does not get better as there is no cure.