866-582-2048 RayLTC@gmail.com


Karla & Tom

My husband and I highly recommend Ray Voelkle as an independent long-term care insurance agent. He’s very professional and patient and did not apply any pressure to choose one insurer or policy over another. He answered all our questions honestly and made the whole decision-making and application process convenient and easy for us. We had been researching long-term care insurance for 5-6 years but there are so many choices it felt overwhelming. When we turned 55 in 2010, we knew it was time to purchase LTCi while we are still healthy and before rates go up even more. Ray helped us sift through all the information about long-term care insurance and we are very pleased with the policy we purchased. It’s a very good value and we feel as if a burden has been lifted from our shoulders! As we approach retirement, we feel confident that our long-term care needs will be taken care of and we will not become a burden for our two sons. We look forward to continuing our professional relationship with Ray!

Peter and Lisa - Virginia

We wanted to take a moment to thank you for your help in selecting long-term care insurance. You were always available and promptly answered any and all questions we had. The spreadsheets you provided comparing plans and inputting different options were invaluable. We enjoyed working with you and felt you always had our best interests in mind. We look forward to working with you in the future and to having a continued partnership.


Since we are on the same page I won’t take up your time. I ever so appreciate the excellent way you handled this with me. You certainly explained things to me very clearly and along the way you saved me some money. Most importantly you did not try to sell me something else. You stated to me I had a good policy and saw no reason to try to get rid of what I had. I so respect people who can do this. Everyone today just wants to make money and it does not matter the expense to someone else. For this, I cannot express my gratitude but let me assure you it is greatly appreciated.

Cynthia Lee

Ray Voelkle is a terrific agent. Long term insurance is so complicated and difficult to understand. Ray took the time to patiently answer all of my questions. He was so clear and helpful. He saved me so much time too by figuring out which 5 companies offered me the best plans to fit my needs after we talked about what I was interested in. Even though I didn’t go with the company he first recommended, he was great helping me negotiate a contract with another company. He didn’t try to push me into signing up for one policy or another but gave me the information I needed to make an informed choice. I highly recommend Ray Voelkle if you need someone to help you with long term insurance.

The Echols

Hi Ray,

Great news…..Carol and I want to thank you for guiding us through the important LTC planning journey. Your specialized experience and knowledge of LTC along with you certification made us feel very comfortable as we went through the process. Also, your patience was so very much appreciated. As I mentioned to you yesterday on the phone it is difficult for us to admit that we are at the age of this getting old “stuff”. Although the monthly payment is like having a permanent car payment we realize that this is certainly different. There will be no depreciation and more importantly it will have a very positive impact and will provide peace of mind knowing that this getting old “stuff” will be a lot less painless for each of us when it is time to utilize the CARE.
I wish we could have thanked you in person so you could see the happiness in our faces.

Virginia “Ginger” Dellinger - Texarkana, AR

Thank you for all your help in directing me toward long-term care insurance and helping me choose the best plan for me. You have been very thorough and helpful in the selection of a plan and explaining the benefits of each to me.

Having only retired recently, I was at first somewhat reluctant to add another financial obligation to my budget. Thanks to you, however, I now feel very comfortable and assured that it is one of the best investments I can make now in order to protect my assets and income in the future. It is also very comforting to know that I won’t be a financial burden on my family at some point.

I am very pleased with the policy you helped me select and also the fact that you recommended a very reputable company and one with which I am familiar, John Hancock Life Insurance Company. What could have been a very difficult decision for me was made easy by your expertise and communication skills.

It was a pleasure to work with you on the selection process and I am confident that I made the right decision.

Thanks again for your help and for the sense of security I now have for the future.

Patti - Dallas, Texas

Ray, thank you so much for the tremendous job you did in helping my wife Christine and I find the right Long-Term Care Insurance Policy for our future needs.
We couldn’t have asked for a more professional person to help us in this important family planning endeavor.

Not only do we consider you an expert in the field of Long-Term Care, but more importantly we considered you as a valued friend and confidant throughout the entire process from application through approval and writing of our policy.
Despite some medical issues with my wife, we were so impressed that you were able to find us another Insurer who accepted my wife’s situation at the same coverage and terms we were looking for.

Please don’t hesitate Ray to use us as future referrals as we couldn’t have been happier with your counsel and superb customer service. You are a rarity today when it comes to customer service and good old-fashioned two-way communications. Our many thanks again for a job well done!!

Jim - Virginia

Nettie and I are most pleased with the advice and service Ray Voelkle provided.
With his assistance, we were able to purchase two individual policies that offered more coverage and value than our government group policy.

Ray’s assistance throughout the application process was nothing short of outstanding. You are a true leader in the LTC business.

Elaine & Michael - Maryland

Our trusted friend of many years had gotten long-term-care insurance policies for himself and his wife three years ago. So, I recently asked him who he had dealt with. He said Ray Voelkle. He had found his name on the Internet while searching for long-term care. Our friend was very pleased with his service and expertise and how smoothly Ray handled everything — over the telephone and the Internet.

I got in touch with Ray and immediately knew what our friend was talking about. He made the process as easy as possible and understood the many ins and outs of long-term-care insurance from his ten years in the business. He gave me excellent advice and was determined to find policies with the additional riders that were the right fit for my husband and me. Ray wanted to keep the insurance coverage and premium rates within reason to meet our needs and, at the same time, not over-insure us.

This is an important decision and not an easy one with the different insurance companies and the available options. It’s a little overwhelming; Ray broke it down for me. The insurance information, comparisons, and charts with the dollar amounts and the possible policy variations were clear and easy to understand. His assistance with completing the required forms was a big help. And, his preliminary assessment of my husband’s and my current health statuses was right on target with how we were eventually rated. That was good to know, right from the start.

Ray is very professional, courteous, organized, and prompt. He is always there to take my calls. He follows through on all the details and keeps you abreast every step of the way. He gave me a lot of his time. He made it known he would be there for us now and in the future as well. Ray is a great long-term-care insurance broker to deal with!
As I said before, this is a very important life’s decision. And, Ray Voelkle made it a pleasant experience, and I felt extremely comfortable working with him.

Suzette - Virginia

When my husband and I began looking for an LTC policy, I took the time to find an agent that specialized in LTC, who would be very knowledgeable about what was available and what company and plan would be the best match for our needs.
I found this in Ray Voelkle. He made the special effort to find out what we wanted and needed in an LTC plan and found the right company and plan for us.

When I had questions, he took the time to answer them, sending me articles of interest that further explained what I needed to know to make the right decision for us.

Once we had decided on the right plan for us, he took care of all the paperwork, making the process so stress-free and easy for us.

Ellen P. - Washington, DC

Ray was the third long-term care person I spoke with and I decided to stick with him because he was patient and helpful. He sent me good information so I could do my own research, and he was always willing to answer my questions, even after I’d asked the same thing several times. By the time I decided to purchase a policy I felt well informed and that I had learned as much as I could about what policy I should choose. I would recommend him to others who need to figure out what to do about long-term care.

Michele Lerner - Washington, DC

Ray Voelke was a great help to my husband and I when we decided to purchase LTC insurance. He walked us through the whole process and was always immediately available to answer any questions. It’s great to work with someone who takes the time to explain a complicated topic and to communicate so quickly.

Brian & Wendy - Maryland

My wife and I highly recommend Ray to anyone interested in Long Term Care, and we have already forwarded his name to others.  Most important to me, we never felt pressured in any way to buy a particular policy or any policy at all.  My wife and I are relative newcomers to the LTC world, so we needed lots of help.  Ray was VERY responsive to my MANY questions and requests for information.  He answered our e-mails and phone calls quickly and effectively, but without any pressure to buy.  We also liked that his premium estimate turned out to be right on target.  Hopefully, we will never need to use our policy, but at least it brings us some peace of mind for now.

Rob M. - South Carolina

The obvious choice. I highly recommend Ray Voelkle to you as your Long Term Care agent. He is professional, very knowledgeable, and responsive. He answered all the questions we had thoroughly and quickly so we could make a decision more easily and with what we knew was the right information. He provided several choices from a number of companies — this allowed us to choose the absolute best fit for us right in the ‘sweet spot’ for one of the insurers. I cannot imagine how anything could have gone much smoother. Even when there was a little wrinkle from the insurer’s medical review, Ray presented the facts and additional options to choose from right up front without even being asked.

We’ve all experienced poor to non-existent customer service these days; what a nice difference it was to work with Ray and experience what customer service should be. Again, Ray is the obvious choice for you if you are shopping for Long Term Care insurance. No reservations about recommending him, none.

Valerie - Alexandria, VA

(Letter was written to Jesse Slome, Executive Director of the
American Association for Long Term Care Insurance)

Dear Mr. Slome;

I am writing to you to let you know how lucky the LTC insurance community is to have Ray Voelkle a part of it.

My husband and I have had LTC insurance with CNA since 1997.  We bought Cadillac policies at the time without the aid of an insurance agent.  Through the years, as you know, CNA stopped issuing individual LTC policies.  They also had to raise their rates enormously because of this.  In March of this year, we received notice of an impending 28% increase, the 2nd in a number of years.   Ray Voelkle made contact with me through my internet search for advice.  I was considering finding another policy for myself.  My husband, because of his age had no choice except to stay with CNA.

Ray gave me some ideas of how I might reduce the premium for my husband’s (and my own) policy with CNA, to offset the increase.  He also made me aware of some state insurance law facts that I hadn’t known.  I began calling CNA and dealing with a multitude of unknowledgeable customer service people.  Ray stood by to continue to offer help and support as my dealings with CNA dragged into months.

At my request, Ray also worked up some quotes for me for a few other LTC insurance coverage in the event I decided to drop CNA.  Given their awful reputation, I was strongly leaning that way.

Finally, I faxed a letter to the head of policy services, including in it a couple of suggestions Ray had given me.  Not until I followed this letter with a Certified RR letter was I able to make contact with management at CNA.  Just this week, I finally worked out some policy changes for both myself and my husband, which will save us thousands of dollars yearly.  I expect to sign off on these new contracts in the next week.

Ray stood by with good advice to me and with zero pressure to change companies.  Although I am staying with CNA, his support was a huge help to me in the past few months.
I told him that I would immediately recommend him to anyone I know who is shopping for LTC coverage.

You have a “star” member of your organization in Ray.


Alexandria, VA

Michele and Tim - Virginia

We began our journey to find LTC about a year before we finally connected with Ray. Before that, we frustratingly encountered several insurance professionals in the business of providing LTC Insurance that pressured us to make quick decisions and most often disregarded our questions or concerns about what seemed like an overwhelmingly complicated insurance decision because of the variety of policies that include an array of benefit options and costs.

We also tried to navigate and figure out the complex choices on our own, but that didn’t really go so well either. For us, the options were just too many and too vast. We wanted to know that we were making an educated and sound choice that would serve us well should the day come that we need to use the LTC policy.

We wanted guidance from someone professional and knowledgeable to help us figure out how to get the most out of a policy that would best suit our needs for such a big decision. Lucky for us, we were connected to Ray Voelkle through the American Association for Long-Term Care Insurance.

Ray spent months answering our questions, providing complete explanations about the variety of nuances and options, and consistently responded to us in ways (email, telephone) that accommodated our busy schedules and us. Ray took the time to get to know us and understand what we were trying to accomplish in procuring a policy, and never once pressured us to make a decision, nor a decision one way or the other about any particular policy.

Ray was there for us from the moment we were connected with him, every step of the way. We are more than confident about the choice we finally made, and grateful for the patience, understanding, guidance, insight, and service we received from Ray.

Timothy West - North Carolina

When I begun the quest earlier this year for obtaining LTC insurance for my wife and I, I was fortunate to have stumbled upon Ray Voelkle’s web-site. From the first step to the last step, Ray was both knowledgeable about the ins and outs of LTC insurance and patience enough to take the time for me to understand. Ray was a “Teacher” of LTC insurance and I was his student. He wanted to make sure I understood how LTC insurance worked and that I felt comfortable with the new knowledge I had obtained before ever discussing buying LTC insurance. Ray took the time to learn about my wife and I, our needs, our wants, and our financial situation . He helped guide us in obtaining the best LTC insurance coverage we could afford.

I would highly recommend Ray to anyone, who first of all, is interested in knowing more about LTC insurance (in other words become the student) and second of all, who wants to receive very good service from a very knowledgeable LTC insurance broker. When it was all said and done, I thought Ray more as a friend trying to assist me rather than someone trying to sell me insurance.

Brenda - Virginia

I received the packet in the mail on Friday and mailed the application and check yesterday.

Thanks for all of your help, as well as your patience.  It’s so good to do business with someone as nice as you, who is not pushy, but keeps in touch by phone and e-mail just to let me know that you are available when I am!  That meant a lot to me.  In our busy life we put off things that need to be done, and should have been done……in my case, years ago.  I am so glad I was available to take your call last week.


RJ Blase, PhD & JJ Blase, PhD - North Carolina

By far, Ray Voelkle surpassed in expertise and compassion to every other LTCi specialist we spoke with (and we do our homework!).  He was always available, immediately responsive, unfailingly patient with our questions, highly informed, open and honest, supportive and happy to advise, eager to respond to our numerous queries, personable, and professional!  We have extremely high standards for experts with whom we talk about complicated technical matters, and we were happy with virtually all encounters with Ray.  We are thrilled with our policy and we are confident that we have made the right decisions; this is all due to Ray’s superior service and advice.  He has earned our respect and we have already unreservedly recommended him to our friends and colleagues.

Alisa - Alexandria, VA

Ray, you were fabulous to work with. I am recommending you to all of my friends because you are wonderful and safe and considerate and kind and professional and so much more.

But the big plus for me is you were able to get me the insurance I wanted when no other agent could find coverage for me,based on my particular health issues.

Thank you for the amazing work in finding me coverage.

Bill and Hillary - Nashville, TN

We had a great experience working with Ray Voelkle.

He was available 24/7 to answer any and all question regarding our Long Term Health Care questions. He answers the phone right away, and emails back immediately.

He spent an enormous amount of time helping us find the RIGHT plan, too— and saving us money, never “dropping the ball” when it came to keeping us updated, and reminding us of what needed to be done. He worked long and hard, and I highly recommend using him for Long Term Care Insurance.

Ray Voelkle, CLTC

Ray Voelkle, CLTC

LTCi Dictionary