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201405273 k) to deal with all matters relating to all forms of insurance and annuities, including the procurement, maintenance and termination thereof; however, notwithstanding the powers given my attorney -in -fact in this and other provisions of this power of attorney, my attorney -in -fact shall have no incidents of ownership in any life insurance policy in which I own an interest and which insures the life of my attorney -in -fact; I) to do all acts necessary to maintain my customary standard of living and that of my family and other persons customarily supported by me, including without limitation the power to pay for medical, dental and surgical care, living quarters, usual vacation and travel expenses, shelter, clothing, food, education, organizational fees and contributions, and other living costs; m) to act for me in all matters which affect my right to government benefits and - assistance, including without limitation Social Security, Medicare, Medicaid, qualified state tuition programs, and other governmental benefits and benefits relating to civil or military service;; to file, prosecute, submit to arbitration or settle any claim for benefits or assistance; to establish new residency and domicile; and to receive the proceeds of claims and conserve, invest, disburse and use them on my behalf; n) to employ such agents, attorneys, accountants, investment counsel, trustees, caretakers and other persons and entities providing services or advice, irrespective of whether my attorney -in -fact may be associated therewith, and to rely upon information or advice furnished thereby or to ignore the same. and to delegate duties hereunder and pay such compensation, as my attorney-in-fact imay deem necessary or appropriate; and o) to do, execute, perform and finish for me and in my name all things which niy attorneY -in -fact shall deem necessary or appropriate in and about or concerning my property or any part thereof.