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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
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
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.
Brian & WendyMaryland
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
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.
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.
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
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
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.
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.