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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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!
Karla & Tom