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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
We had a great experience working with Ray Voelkle. He was available 24/7 to answer any and all question regarding our Long Term Health Care questions. He answers the phone right away, and emails back immediately. He spent an enormous amount of time helping us find the RIGHT plan, too— and saving us money, never “dropping the ball” when it came to keeping us updated, and reminding us of what needed to be done. He worked long and hard, and I highly recommend using him for Long Term Care Insurance.
Bill and Hillary Nashville, TN
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.
We began our journey to find LTC about a year before we finally connected with Ray. Before that, we frustratingly encountered several insurance professionals in the business of providing LTC Insurance that pressured us to make quick decisions and most often disregarded our questions or concerns about what seemed like an a overwhelmingly complicated insurance decision because of the variety of polices that include an array of benefit options and costs. We also tried to navigate and figure out the complex choices on our own, but that didn’t really go so well either. For us, the options were just too many and too vast. We wanted to know that we were making an educated and sound choice that would serve us well should the day come that we need to use the LTC policy. We wanted guidance from someone professional and knowledgeable to help us figure out how to get the most out of a policy that would best suit our needs for such a big decision. Lucky for us, we were connected to Ray Voelkle through the American Association for Long Term Care Insurance. Ray spent months answering our questions, providing complete explanations about the variety of nuances and options, and consistently responded to us in ways (email, telephone) that accommodated our busy schedules and us. Ray took the time to get to know us and understand what we were trying to accomplish in procuring a policy, and never once pressured us to make a decision, nor a decision one way or the other about any particular policy. Ray was there for us from the moment we were connected with him, every step of the way. We are more than confident about the choice we finally made, and grateful for the patience, understanding, guidance, insight, and service we received from Ray.
Michele and TimVirginia
When I begun the quest earlier this year for obtaining LTC insurance for my wife and I, I was fortunate to have stumbled upon Ray Voelkle’s web-site. From the first step to the last step, Ray was both knowledgeable about the ins and outs of LTC insurance and patience enough to take the time for me to understand. Ray was a “Teacher” of LTC insurance and I was his student. He wanted to make sure I understood how LTC insurance worked and that I felt comfortable with the new knowledge I had obtained before ever discussing buying LTC insurance. Ray took the time to learn about my wife and I, our needs, our wants, and our financial situation . He helped guide us in obtaining the best LTC insurance coverage we could afford. I would highly recommend Ray to anyone, who first of all, is interested in knowing more about LTC insurance (in other words become the student) and second of all, who wants to receive very good service from a very knowledgeable LTC insurance broker. When it was all said and done, I thought Ray more as a friend trying to assist me rather than someone trying to sell me insurance.
Timothy WesNorth Carolina
Ray, thank you so much for the tremendous job you did in helping my wife Christine and I find the right Long-Term Care Insurance Policy for our future needs. We couldn’t have asked for a more professional person to help us in this important family planning endeavor. Not only do we consider you an expert in the field of Long-Term Care, but more importantly we considered you as a valued friend and confidant throughout the entire process from application through approval and writing of our policy. Despite some medical issues with my wife, we were so impressed that you were able to find us another Insurer who accepted my wife’s situation at the same coverage and terms we were looking for. Please don’t hesitate Ray to use us as future referrals as we couldn’t have been happier with your counsel and superb customer service. You are a rarity today when it comes to customer service and good old fashioned two-way communications. Our many thanks again for a job well done!!
We wanted to take a moment to thank you for your help in selecting long term care insurance. You were always available and promptly answered any and all questions we had. The spreadsheets you provided comparing plans and inputting different options were invaluable. We enjoyed working with you and felt you always had our best interests in mind. We look forward to working with you in the future and to having a continued partnership.
Peter and Lisa Virginia
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
When my husband and I began looking for a LTC policy, I took the time to find an agent that specialized in LTC, who would be very knowledgeable about what was available and what company and plan would be the best match for our needs. I found this in Ray Voelkle. He made the special effort to find out what we wanted and needed in a LTC plan and found the right company and plan for us. When I had questions, he took the time to answer them, sending me articles of interest that further explained what I needed to know to make the right decision for us. Once we had decided on the right plan for us, he took care of all the paperwork, making the process so stress free and easy for us.
Ray, you were fabulous to work with. I am recommending you to all of my friends because you are wonderful and safe and considerate and kind and professional and so much more. But the big plus for me is you were able to get me the insurance I wanted when no other agent could find coverage for me,based on my particular health issues. Thank you for the amazing work in finding me coverage.
Alisa Alexandria, VA