Since you have contacts in the nursing home industry, please stop by and read this specific post. This is not just a hospice issue. Nursing homes are also in the viatical business.
http://www.freerepublic.com/focus/f-bloggers/1371538/posts?page=339#339
Adding the P.C. disclaimer to my post, Not all hospices and nursing homes are bad...just something to keep in mind.