<p>Read the policy carefully. Your family could very well fall into the 10% rule or it could very well not. For instance, ifyou live in a low cost of living area and your parents have consistently banked much of their income or if your parents bought a house in an area where housing prices have skyrocked since they bought your house on the cheap, their assets might be too high for the 10% rule to apply. Small business owners also have a lot harder time getting FA because of the way their assets are considered.</p>