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About

Ray has dedicated his professional life to helping families insure against long term care since 2000. He chose this specialty as a direct result of life experience.

When Ray was a teenager, his beloved grandmother moved from out-of-state to Ray’s home, with the proceeds from the sale of her house, sold after she was widowed.  Six years later, grandma got sick, needed extensive care, and so she entered a nursing home.  Ray and his parents heard his grandmother’s dismay as the money she had earmarked to pass to kids and grandkids was instead used to pay for her long term care.  She was a proud woman, and found it hard to believe that she had run out of money and ended up on Medicaid.

After 9 years in a nursing home, she passed.  When years later, Ray learned about long term care insurance, his first though was “I wish we had known about this years ago.  The coverage would’ve been there for my family and my grandmother.”

Unfortunately, like most middle-aged Americans, Ray has, since grandma’s passing, witnessed additional uninsured family members struggle with a need for care.

Now, families that plan ahead by purchasing long term care insurance can have the trauma of long term care softened by the availability of ready funds to purchase professional care and even pay for other expenses such as housekeeping and/or home modifications.

In a recent interview, Ray stated:  “I am passionate about LTCi protection because I know from experience what the consequences can be to any family and their finances if you are not protected. Unlike many insurance agents that sell a multitude of insurance products, I focus exclusively on LTCi, because I believe that in order to offer my clients the best possible service and recommendations, you need to have a single focus.”

Professional

In addition to obtaining and maintaining professional licenses in a long list of states (shown below), Ray has taken the extra step of studying for and obtaining the CLTC designation.  The “Certified in Long-Term Care” (CLTC) program is the long-term care insurance industry’s only independent professional designation. Created in 1999, the course is focused on the field of long-term care planning and provides legal, accounting, insurance and financial service professionals the critical tools necessary to address the subject matter with their clients.

Ray is serious about remaining a student of long term care insurance.  He stays connected to industry news, tax incentives, and other legislation that extends benefits to policyholders in many states (called Partnership programs), new products and trends.  The area of long term care funding and long term care insurance is one of the fastest-evolving area of insurance.  Ray says, “I keep current so my clients are confident they are receiving an informed opinion and the information they need to make an informed decision.”

Philosophy

“The ability to help families in this area of planning is a privilege and responsibility.  You will have my best effort analysis and work on you behalf, before you purchase a policy, during the underwriting process, and should you ever have a claim.”  – Ray Voelke

 

Ray’s Licenses and Certification

The “Certified in Long-Term Care” (CLTC) program is the long-term care insurance industry’s only independent professional designation. Created in 1999, the course is focused on the field of long-term care planning and provides legal, accounting, insurance and financial service professionals the critical tools necessary to address the subject matter with their clients.

Insurance Licenses:
Virginia License #: 684804
Arizona License #945531
Arkansas License #: 354555
Colorado License #: 471586
District of Columbia License #: 2843263
Florida License #: P204214
Georgia License #: 3003112
Kentucky License #: 692677
Maryland License #: 000192256
Massachusetts License #1997809
Michigan License #: 0427701
North Carolina License #: 0003386804
Ohio License #: 777259
Pennsylvania License #: 536236
Rhode Island License #: 2024905
South Carolina License #: 515057
Tennessee License #: 1009660
Texas License #: 1440578
National Producer #: 3386804

Proudly Affiliated with these Organizations

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Testimonials

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.
Elaine & Michael Maryland