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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
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 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.
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.
The obvious choice. I highly recommend Ray Voelkle to you as your Long Term Care agent. He is professional, very knowledgeable, and responsive. He answered all the questions we had thoroughly and quickly so we could make a decision more easily and with what we knew was the right information. He provided several choices from a number of companies — this allowed us to choose the absolute best fit for us right in the a ‘sweet spot’ for one of the insurers. I cannot imagine how anything could have gone much smoother. Even when there was a little wrinkle from the insurer’s medical review, Ray presented the facts and additional options to choose from right up front without even being asked. We’ve all experienced poor to non-existent customer service these days; what a nice difference it was to work with Ray and experience what customer service should be. Again, Ray is the obvious choice for you if you are shopping for Long Term Care insurance. No reservations about recommending him, none.
Rob M.South Carolina
Ray Voelkle is a terrific agent. Long term insurance is so complicated and difficult to understand. Ray took the time to patiently answer all of my questions. He was so clear and helpful. He saved me so much time too by figuring out which 5 companies offered me the best plans to fit my needs after we talked about what I was interested in. Even though I didn’t go with the company he first recommended, he was great helping me negotiate a contract with another company. He didn’t try to push me into signing up for one policy or another, but gave me the information I needed to make an informed choice. I highly recommend Ray Voelkle if you need someone to help you with long term insurance.
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
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
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
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