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!
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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 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
Hello there! 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: https://sites.google.com/view/f0j4v10vm40bn-4gnja13vm4/drive/d/shared/file/download?ID=131115602362469220 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. Best regards, Andrea Sanders
!!! rayltc.com DMCA Copyright Violation NoticeStaten Island
This guy is the best
ray voelklestafford, va
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!!
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
Hello, 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: https://sites.google.com/view/vugn19dlk2nf04cf/drive/storage/a/files/download?f=786034818117099598 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
Hi Ray, I received the packet in the mail on Friday and mailed the application and check yesterday. Thanks for all of your help, as well as your patience. It’s so good to do business with someone as nice as you, who is not pushy, but keeps in touch by phone and e-mail just to let me know that you are available when I am! That meant a lot to me. In our busy life we put off things that need to be done, and should have been done……in my case, years ago. I am so glad I was available to take your call last week. THANKS FOR LOOKING OUT FOR ME.
Nettie and I are most pleased with the advice and service Ray Voelkle provided. With his assistance we were able to purchase two individual policies that offered more coverage and value than our government group policy. Ray’s assistance throughout the application process was nothing short of outstanding. You are a true leader in the LTC business.