866-582-2048 RayLTC@gmail.com

Ray Voelkle, CLTC

Welcome to my website! As an independent insurance agent specializing in long-term care insurance, my focus is to help you get coverage that is right for you. Over the last 18 years, I have learned the best approach is a casual approach utilizing today’s world of evolving communications where our goals can be accomplished in the most efficient manner. No pressure. I’ll help you shop and compare a variety of policies from traditional long-term care insurance, long-term care partnership policies and to the new “hybrid policies.” My philosophy is “It’s All About You.”

To educate and protect consumers...

The National Association of Insurance Commissioners (NAIC) wrote this Shopper’s Guide to help you understand long-term care and the insurance options that can help you pay for long-term care services.

What does Medicare cover? Find out here.

This official government guide can help if you’re thinking about buying a Medigap policy or already have one.

Are Claims Paid?

More than $20 million dollars in benefits is being paid to long-term care policyholders every day. Read the report here.

Have an Appointment?

Click here to enter our meeting at the scheduled time.

State Information

Ray Voelkle is licensed in 17 states. Click here to learn more about long-term care insurance in these states.

Long-Term Care – Wake up, don’t snooze and lose!

You’ve heard it a thousand times, “You snooze, you lose!”  And to some degree, it’s true!  Meaning, if you don’t rush out to the store, you’ll probably miss out on that great sale; hence, paying more for that item.  But that’s okay, it’s happened to all of us. ...

Don’t Believe All The Negative Headlines

How sick is the long-term care insurance industry? The headlines are bleak: “What’s killing the long-term care insurance industry?” “Costs of Long-Term Care Rise While Payment Options Narrow” Contrary to what is often published on the internet, long-term care...

Long-term-care insurance helps protect families

Long-Term Care Facts Column: article originally published by the Redlands Daily Facts August 8, 2013: Long-term-care insurance is an emotional subject. I mean, really, who wants to talk about the possibility of needing help with bathing, dressing and toileting? "It...

Three Big Problems With Long-Term-Care Insurance

There are three issues concerning people who are considering long-term care insurance: The underwriting and approval process can be long and difficult Claims may not be paid in the future when care is needed, and Premiums might skyrocket forcing you to drop the...

Busting Myths About Long-Term Care Insurance

Myth #1  Most long-term care insurance claims are for nursing home care When the long-term care insurance began in the mid-1960’s, most policies only covered the cost of nursing homes.  It wasn’t until the early 1990’s that insurers began including riders that covered...

The Truth About Long-Term Care Insurance

Long-Term Care Facts Column: article originally published by the Redlands Daily Facts May 9, 2013: In my last column, I addressed recent articles published on a several well-known news websites have been riddled with half-truths and misleading information.  In an...

Is Pricing Discriminatory or Good Business Practice?

 Some of the leading long-term care insurance companies have recently announced that they will soon offer policies that have different rates for men and women. Gender-based pricing for insurance is not new. Most insurance policies have premiums that are based on...