Is your nestegg in 401k accounts that are governed by ERISA? If so then they are likely off limits to nearly all creditors (under current Federal law). An Asset Protection attorney could give you further details.
-gauss
gauss - Most of my next egg is in after tax accounts so, I believe, that my assets would not be protected.
Bamsphd, I stand corrected. I went back to my old emails I was not declined because of pre-existing condition a year ago - It was late 2013 (we have been dealing with health issue for a long time, unfortunately).