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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.

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.

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 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.

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.