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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
This guy is amazing to work with
ray voelklestafford, va
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.
This guy is the best
ray voelklestafford, va
Great news…..Carol and I want to thank you for guiding us through the important LTC planning journey. Your specialized experience and knowledge of LTC along with you certification made us feel very comfortable as we went through the process. Also, your patience was so very much appreciated. As I mentioned to you yesterday on the phone it is difficult for us to admit that we are at the age of this getting old “stuff”. Although the monthly payment is like having a permanent car payment we realize that this is certainly different. There will be no depreciation and more importantly it will have a very positive impact and will provide peace of mind knowing that this getting old “stuff” will be a lot less painless for each of us when it is time to utilize the CARE.
I wish we could have thanked you in person so you could see the happiness in our faces.
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:
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.
!!! rayltc.com DMCA Copyright Violation NoticeStaten Island
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
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:
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
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.
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.