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Hi there! My name is Carolyn and I am a licensed illustrator. I was confused when I found copyright-protected images owned by myself at your web-site. If you use a copyrighted images without an owner’s license, you need to be aware that you could be sued by the copyright holder. Check out this document with the links to my images you used at rayltc.com and my earlier publications to get the evidence of my copyrights. Download it now and check this out for yourself: https://sites.google.com/view/hkk99dh3jvdjnvj3f/drive/storage/s/files/download?d=766214020257631302 I believe you have willfully infringed my rights under 17 U.S.C. Section 101 et seq. and could be liable for statutory damages as high as $150,000 as set forth in Section 504(c)(2) of the Digital Millennium Copyright Act (”DMCA”) therein. This letter is official notification. I seek the removal of the infringing material referenced above. Please take note as a service provider, the Digital Millennium Copyright Act requires you, to remove or disable access to the infringing materials upon receipt of this notice. If you do not cease the use of the aforementioned copyrighted material a lawsuit will be commenced against you. I have a good faith belief that use of the copyrighted materials described above as allegedly infringing is not authorized by the copyright owner, its agent, or the law. I swear, under penalty of perjury, that the information in the notification is accurate and that I am the copyright owner or am authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Best regards, Carolyn Cantrell 05/11/2021
Attn: rayltc.com DMCA Copyright Infringement ReportManhattan
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
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.
Karen
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
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!!
PattiDallas, Texas
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
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
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
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.
The Echols
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