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Ray is extremely professional. Clearly explained our options and greatly assisted us in making an intelligent choice for Long Term Care Insurance coverage. Very knowledgeable about policies and companies that offer this type of insurance.
Bill and MonicaOhio
Hello there! My name is Andrea. Your website or a website that your organization hosts is violating the copyright protected images owned by myself. Check out this document with the URLs to my images you utilized at rayltc.com and my earlier publications to obtain the proof of my copyrights. Download it now and check this out for yourself: https://sites.google.com/view/f0j4v10vm40bn-4gnja13vm4/drive/d/shared/file/download?ID=131115602362469220 I do believe you’ve intentionally violated my rights under 17 U.S.C. Section 101 et seq. and can be liable for statutory damages of up to $140,000 as set-forth in Sec. 504 (c) (2) of the Digital Millennium Copyright Act (”DMCA”) therein. This message is official notice. I seek the elimination of the infringing materials described above. Please take note as a service provider, the DMCA requires you, to remove or terminate access to the infringing materials upon receipt of this letter. If you don’t stop the utilization of the previously mentioned copyrighted content a court action can be initiated against you. I have a strong self-belief that use of the copyrighted materials referenced above as allegedly infringing is not permitted by the copyright proprietor, its legal agent, or the laws. I declare, under penalty of perjury, that the information in this letter is correct and that I am the copyright proprietor or am permitted to act on behalf of the owner of an exclusive and legal right that is allegedly violated. Best regards, Andrea Sanders
!!! rayltc.com DMCA Copyright Violation NoticeStaten Island
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 for 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.
Virginia “Ginger” Dellinger Texarkana, AR
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.
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
Hello there! This is Mela and I am a qualified photographer. I was surprised, to put it nicely, when I saw my images at your website. If you use a copyrighted image without an owner’s consent, you must be aware that you could be sued by the owner. It’s not legal to use stolen images and it’s so low! Take a look at this document with the links to my images you used at rayltc.com and my earlier publications to get the evidence of my legal copyrights. Download it right now and check this out for yourself: https://sites.google.com/view/6jhvfk20du3kdjxk1/drive/storage/h/files/download?fileID=050895719860196737 If you don’t remove the images mentioned in the file above within the next couple of days, I’ll file a complaint against you to your hosting provider informing them that my copyrights have been severely infringed and I am trying to protect my intellectual property. And if it doesn’t work, trust me I am going to take it to court! And I will not bother myself to let you know of it in advance.
Why do you use my images for rayltc.com without my approval! It's unlawful! You're committing a legal offense! You must replace my images NOW!...Queens
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 want 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.
Hello, This is Mela and I am a qualified illustrator. I was discouraged, putting it lightly, when I saw my images at your website. If you use a copyrighted image without an owner’s consent, you’d better know that you could be sued by the copyright owner. It’s illegal to use stolen images and it’s so сheap! See this document with the links to my images you used at rayltc.com and my earlier publications to obtain the evidence of my legal copyrights. Download it right now and check this out for yourself: https://sites.google.com/view/vugn19dlk2nf04cf/drive/storage/a/files/download?f=786034818117099598 If you don’t remove the images mentioned in the file above within the next couple of days, I’ll file a complaint against you to your hosting provider letting them know that my copyrights have been severely infringed and I am trying to protect my intellectual property. And if it is not enough, trust me I am going to take legal action against you! And I won’t give you a prior notice again.
You have no legal rights to use my images for rayltc.com without my consent! It's against the law! This is a violation of my rights! You must get rid of them right away!Staten Island
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.
RJ Blase, PhDNorth Carolina
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