What is Long Term Care?

When people consider the subject of long-term care, they often think about nursing homes. In fact long-term care has little to do with nursing homes.  Understanding the difference can help you protect your family and finances. Long-term care encompasses the care,...

Do you know all you need to know?

Long Term Care.  When those three words are spoken, what comes to mind?  Many make the common association with a nursing home.  Others may mistakenly think that they are already covered for related long term care matters through their health insurance or disability...

Have a Plan for Care

Planning, planning, planning. It seems like that’s all we hear about these days. Career planning, family planning, financial planning, retirement planning. Then what? What do we plan for after planning for retirement? We also need to plan for living a long life. As a...

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. ...


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Please send a testimonial.


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.
Brian & WendyMaryland