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!