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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
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 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.
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
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
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.
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.
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
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
Hi Ray, 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.