Testimonials - LTC Consumer

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“Bill did a great job helping me obtain LTC Insurance for my mother. He provided many quotes to make sure that we had all of the options before us. I am super pleased with his service and would recommend him to anyone considering LTC options.”

-Adrianne, SC 9/2/2021

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“After researching this insurance product for two years my husband and I decided to move forward with Jonathan. Jonathan patiently explained all aspects of the policy and made us feel comfortable and confident with our decision. We can now work toward full retirement knowing our assets are protected and giving us great peace of mind. I would highly recommend Jonathan if you are considering LTC Insurance as part of your retirement plan.”

-Toni, PA 9/16/2021

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“Dan was a very helpful and professional insurance agent. He was able to answer all of our questions and exceeded the expectations we had for this experience. I would highly recommend him to anyone who is in the market for this coverage.”

-Louis, OH 9/8/2021

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“I worked with Samantha over the course of several weeks, during which we exchanged questions and information. Samantha was extremely helpful, calm, and encouraging, which removed the stress that I initially felt. Samantha is well informed and positive and I really appreciated both her cheerfulness and professionalism.”

-Catherine, WA 9/1/2021

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“(Jeff) was knowledgeable, efficient, kind and open to our timeframe. He found us different options and found us one that had very good coverage and within our price range. I would recommend his services to anyone looking for long term care (insurance).”

-Jenny, CA 8/31/2021

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“We were so happy to have Sarae as our LTC Consumer specialist. She’s very knowledgeable, accommodating, and responded to all our inquiries. We tried to get quotes from different companies for LTC; our decision to choose the company that Sarae offered was not only because of the company but how she presented it and made us feel valued and appreciated.”

-Grace, CA 8/31/2021

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“We all appreciate excellent customer service. You will find it if you work with Jeff. He is a seasoned professional who is able to educate someone like me who doesn’t deal much with insurance without making you feel dumb. He is very personable yet doesn’t ‘overshare’. (You know what I’m talking about!) He makes you feel that the time-worn phrase ‘the opportnity to serve you’ is really true in his case. And you sense that he will be genuinely glad to help you in the future if the need arises. Character matters to him, and he will guide you kindly through the never-fun task of purchasing long-term care insurance. Thank you, Jeff!”

-Gwendolyn, TN 8/25/2021

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“So far the experience has been great. Richard took time on the initial call to ask questions and determine our need. He then provided some customized solutions to meet our goals. I would describe RIchard as knowledgeable of the various products, thorough, professional and efficient.”

-Kevin, NC 8/25/2021

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“Cathy was extremely patient answering my many questions. This is a big and expensive decision. I double checked several things with her to make sure I was clear. She always responded right away, even late at night her time.

Cathy always made me feel really comfortable. She explained various options and the differences so I could make an informed decison. She could not have been more helpful.

Excellent customer service… Responsive and kind. I am so grateful.”

-Lisa, WA 8/23/2021

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“Jonathan made this often arduous process very easy. He was both educational and pleasant as he walked me through the details of understanding what Long-Term Care (Insurance) is and what would be best for me and our family. He was open to questions of all types and answered all of them fully. He was good at providing information on things to be aware of and to consider, but never offered pressure of any kind, only suggestions based on our discussions and the specific needs I had. Highly recommend his services for this type of insurance.”

-Mark, SC 8/15/2021

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“We appreciated Jeff’s professionalism and approachable manner in explaining the process and any terminology that we were unfamiliar with. The entire application process was easy and fast, thanks to his great customer service. We’re happy and looking forward to getting our new policy.”

-Amber, WA 8/14/2021

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“Working with Dan was quick and easy to do! I would totally recommend anyone to work with him if you have insurance needs. I reached out online (after office hours) and the next day (a Sunday might I add), I heard from Dan! He helped me find a LTC plan in Washington before the deadline! Many others turned me away (as everyone in WA scurries to find a LTC plan), but not Dan! My application has been submitted and now it’s in the underwriting process. Thanks Dan!”

-Kashmir, WA 8/14/2021

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“Jonathan fit us in very promptly. He very patiently answered our many questions and helped us choose the right product for us. The whole process was straightforward and transparent. He did such a good job that at the end of the call my wife stated that she was excited to sign up for this insurance.”

-Jesse, WA 8/13/2021

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“I first contacted LTC Consumer online to submit a request for LTC insurance to get some quotes. Received a fast response the next day via email from Kathryn. From the first email, phone call, and throughout the process so far (quotes, reviewing quotes, application process, etc.), Kathy has been very helpful. She has explained the various options available based on what we were looking for, provided beneficial advice on what different nuances in the plans to consider and keep in mind when selecting a plan. She’s answered all questions raised and was very thorough in going over the different benefits in the plans without being pushy. Glad to be working with such a nice, extremely knowledgeable agent as Kathy. Would recommend her to all looking for LTC plans or other plans that are supported by LTC Consumer.”

-Maria, WA 8/13/2021

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“Lisa was a super helpful advisor, walked my wife and I through many alternatives without being overwhelming. Helped us select an appropriate policy and was super efficient in execution. Strongly recommend.”

-Stephen, WA 8/13/2021

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“We had a great experience. It was evident that our needs were taken into consideration and we did not feel pressured at all. Everything was well explained and all our questions were answered and explained. The pace was great in explaining different options while staying on topic and covering a lot of information quickly but thoroughly.”

-Lorena, WA 8/13/2021

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“She was great help getting my wife and I LTCI. Many insurance companies are no longer providing LTCI in the state of Washington given the surge of applications due to the new state payroll tax. We are grateful for all the work Lisa did to help us!”

-Mohammad, WA 8/12/2021

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“My husband and I had a great experience exploring LTC insurance options and ultimately applied for coverage. Due to the new, fairly unpublicized, Washington State Legislation, it made it a bit more challenging for us. However, Jonathan was excellent! He was professional, informative, and very helpful during the process. We would highly recommend him to anyone.”

-Kerrie, WA 8/11/2021

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“We had a great experience with Jonathan. He was very thorough and didn’t ty to sell us anything. Great wealth of knowledge. He suggested the plan he felt would fit our needs but showed us all plans. Ultimately his suggestion was the one we proceeded with.”

-Jeremy, WA 8/10/2021

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“Jeff helped us apply for LTC Insurance with National Guardian Life (NGL). As WA residents under this new, upcoming excise tax and its one-time exemption, there has been a steep learning curve in a very short window of time, but Jeff has really helped us understand our options and what would work best for us, and then he guided us through the process.

Yesterday, Jeff learned that NGL, now inundated with new applications from WA residents, would stop taking applications at 6pm EST that very day. We had a meeting scheduled that day with Jeff for 8pm EST to finalize our application and provide our signatures. Jeff phoned us as soon as he got word of this new, sudden deadline, and we were able to finalize and submit our application with only minutes to spare before the deadline.

I cannot think of a greater example of someone caring for his clients and their goals,… Jeff was friendly, helpful, informative, and patient, and we won’t hesitate to recommend him to anyone looking for LTC Insurance in the future. Thank you, Jeff!”

-David, WA 8/10/2021

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“Dan provided outstanding service. He was informative, never pushy, and performed follow-up with phone calls keeping me updated with the latest info. When under a tight deadline he was able to get me the policy that fit my needs. My hat goes off to him!”

-Charles, WA 8/10/2021

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“Cathy is simply a joy to work with. She patiently answered all my concerns and needs and made sure I had the right insurance solution that fit into my life and financial goals. She is quick, knowledgeable, and responsive.”

-Chuwei, WA 8/6/2021

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“Jonathan was very upfront with us. he was patient and very kind. Althought we were surprised at the high price of long term care insurance, Jonathan explained things in an understandable way. I would highly recommend Jonathan to others.”

-Pamela, WA 8/2/2021

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“Rich was very knowledgeable about the various plans and helped my wife and I understand the plans as we had little knowledge of them. Rich was always quick to get back to us and always accommodated our busy schedules. The process was quite simple and Rich walked us through every step of it. It was a pleasure working with Rich.”

-Don, WA 8/5/2021

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“Rich contacted me promptly, spoke professionally, understood my communication preferences, and was clearly knowledgeable. With a few strategic questions and good humor sorting through my initial information, Rich was able to steer me in an appropriate direction and set up a meeting promptly. I investigated online Rich’s professional background and was pleased to discover his level of experience and expertise.

I had already given much thought and research over several months to the idea of purchasing an LTC policy, Rich’s ‘no pressure’ straightforward guidance has helped me to feel confident that the product I purchased is necessary, a good value and that I have a professional with whom I can consult with confidence going forward. Rich accomplished this within two days time.”

-Christine, NC 8/4/2021

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“Really loved working with Bill! Bill helped us to quickly get a long term care policy in place in order to opt out of a state mandated payroll tax. He is knowledgeable, easy to access by phone and quick to respond to emails. He answered many questions and ran multiple scenarios for us to consider. We have already recommended him to friends and family!”

-Tracy, WA 8/3/2021

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“Bill is very knowledgeable and he does not hesitate to share and explain unfamiliar terms. He is pleasant to work with and has flexibility in his schedule to adapt to the customer’s availability. The process was simple and painless. Thank you very much!”

-Steven, WA 7/31/2021

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“Rich was very responsive from the minute we contacted Zander through the application. He answered all our questions and stopped periodically to make sure we were clear on his presentation. He explained things well. He was super punctual, which we value. He was straightforward.”

-Sharon, MO 7/26/2021

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“Jeff helped us with getting LTC insurance. He is super pleasant, courteous and very easy to work with. He came with multiple options and answered the multitude of questions. He is responsive to emails and calls and made for a very pleasant experience. Thank you Jeff!”

-Unmesh, WA 7/25/2021

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“I had a variety of detailed questions and concerns about my insurance selection and application process. My rep, Sarae, was extremely patient, informative and able to effectively work with me to find the best possible option for insurance coverage. I would highly recommend her to anyone seeking insurance coverage. She is a true professional.”

-Howard, PA 7/24/2021

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“Jonathan is an incredibly knowledgeable and helpful broker. He has patiently worked with us over the past 2 years. He has been sensitive to our needs and our limitations. We feel he is the best of what it means to be ‘in service’ to clients. I wish everyone could work with Jonathan on their search of the right LTC product.”

-Donald, WA 7/21/2021

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“I appreciated the ability to set up an appointment to go over my options for coverage in detail. Jonathan was very helpful through the entire process and helped me identify a solution to my needs. I’ve already recommended that a coworker of mine contact him regarding his own long term care needs.”

-John, WA 7/8/2021

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“Jonathan gave in-depth description on long-term care, as well as, a well defined explanation on how the policy would pay out financially when the service would be needed in the future. I have a real good grasp of the ins-and-outs of my policy and know I can contact Jonathan when I need to.”

-Heidi, UT 7/7/2021

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“Lisa made my policy selection experience very smooth. She walked me through all the options, explaining the pros and cons of each. (She) reduced the stress (that) comes with shopping for my long term care. Highly recommend!”

-Huicheng, WA 7/7/2021

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“We found Cathy to be professional and extremely knowledgeable regarding Long Term Care Insurance. Her personable and unpressuring approach was refreshing and a welcomed relief to insurance purchasing. Her meticulous regard to details and allowing us to ask as many questions as we required made our experiene an easy one. We highly recommend Cathy to anyone requiring Long Term Health Care Insurance, and have already recommended her to several of our friends.”

-Jeff & Dorothy, CA 6/30/2021

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“I reached out for Long-Term Care Insurance through the Ramsey Solutions ELP link. Sarae was very helpful to my many questions and option changes as I was trying to figure out what the best plan for me would be as Washington State is now requiring all working residents to have a private LTC plan or pay a tax to have Washington State’s plan.”

-Joel, WA 6/30/2021

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“Rich was very patient with all of my questions and repeated questions, this stuff tends to be kind of confusing to me so I appreciated his patience and explanation of the different policies and choices I have. Still confusing but that’s on me!”

-Belinda, OK 6/28/2021

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“We enjoyed meeting with Jonathan this week to discuss our needs for long-term care insurance. Mr. Durr provided excellent information without being pushy, answered our questions clearly, and was very good about making sure we understood the information he was presenting. We would happily recommend him to others!”

-Keith, SC 6/25/2021

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“Mr. Wetmore is extremely knowledgeable about LTC insurance and made learning about it, understanding our options and applying for the coverage a simpler process. We feel very fortunate to have connected with him.”

-Millard, NC 6/24/2021

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“Due to a change in legislation for Washington State, I knew I needed to find my own LTC insurance plan. I found Dan through Zander Insurance, and he was a great help through the research and application process. He was very thorough in explaining the different plans that were offered to us, and gave us insight into what he thought would be the best to match what the state will ofer so we can opt out. He was very communicative and made the process easy. I would recommend him, and would work with him again if needed.”

-Megan, WA 6/21/2021

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“I have been looking for long term care insurance and I called Jeff. He quickly gained my confidence as a trustworthy and honest person. He is friendly and not pushy. He helped me find the best LTC insurance to meet my needs and made sure that my application made the surprise last minute deadline. I have referred him to several friends and family members! He is fantastic to work with!”

-Mary, WA 6/18/2021

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“Lisa understood my needs very well and provided me the most fit options. She followed up some urgent changes quickly and notified me in time. I appreciate her transparency and patience during the process.”

-Xiao, WA 6/16/2021

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“Approaching 60 and being an avid Dave Ramsey fan, I thought it a good idea to purchase some long-term care insurance. Millie stepped us through the process and answered all our questions. We completed the app yesterday and Millie advised on what to expect from the Insurance company or their underwriter. I would recommend Millie to a friend, very thorough and informational.”

-Lynn, AL 6/16/2021

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“I appreciate very much Cathy’s attention to detail, her friendliness, and the depth of her knowledge of the products available. I would highly recommend her to friends and family. She was wonderful to work with.”

-Jiminell, NM 6/16/2021

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“I had a great experience working with Cathy. Nathan referred me and she provided stellar customer support. She gauged my level of understanding and then proceeded to give me information I needed. I enjoyed working with you very much.”

-Susan, WA 6/12/2021

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“Cathy was an incredibly responsive, wise and insightful guide through my LTC process, and allowed me to consider multiple choices and end up with a decision that feels extremely comfortable. I am grateful to her and would recommend her alone.”

-Christopher, WA 6/9/2021

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“Jeff’s gift is in his patience, his thoroughness, and his clarity. His ability to help us understand LTC concepts and provide answers to ignorant – and sometimes challenging – questions are second to none! Thank you, Jeff!”

-Scott, TX 6/8/2021

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“I was working with Lisa on applying for LTC insurance. From the very beginning, Lisa was professional and extremely responsive even during an unprecedented busy time. Within a few days, she had accurately provided the information I needed to make a decision on a plan and assisted me on submitting an application. Would highly recommend working with her.”

-Jennifer, WA 6/5/2021

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“Working with Bill, the representative who was assigned to me, was a pleasure. He was informed, polite and courteous and quickly answered my questions. I would again use LTC Consumer if needed and would recommend to others looking for LTC insurance.”

-Walter, IL 6/4/2021

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“Jeff did a wonderful job helping me look at the various possibilities for long term care insurance. He provided me with several options, articles about long term care for information, and was a valuable resource in walking me through the paperwork. I would highly recommend Jeff to my friends when making their choice for LTCI.”

-Elizabeth, NC 6/4/2021

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“Dan was responsive, knowledgeable and appeared to have our best interests in mind when talking with Michelle and me about long term care coverage. In two sessions we were able to get through a topic we knew little about and explore several options for both of us. We wouldn’t hesitate to recommend Dan to someone else.”

-Tony, WA 6/4/2021

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“Dan responded to my inquiry quickly and got me through the process with minimal interruption to my day. Further, he did so in the crush of a new government tax tat has greatly increased his workload. I was impressed and am appreciative.”

-Daniel, WA 6/4/2021

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“Rich called me back prompltly and was completely transparent when comparing plans. He kept asking me, ‘Do you understand?’ which reassured me and I was glad I learned a lot about long term care insurance.”

-Jeffrey, NJ 6/3/2021

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“Dan made the process of signing up for LTC Insurance quick, easy and painless. He explained the process thoroughly and took the time to answer any questions my wife and I had. If you’re interested in LTC Insurance, contact this company, you’ll be satisfied. A+.”

-Robert, NJ 6/2/2021

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“Once we got a chance to talk with Jonathan it was a good experience. I struggled initially with getting an appointment with him. He seemed too busy to handle another client, taking another 2 months to get a set appointment. So it would have helped to have more information initially about setting an appointment. He explains all aspects of the policy well. We feel confident we have the right product for our situation.”

LTC Consumer: Thank you for your review, not getting an appointment right away is frustrating. We’re sorry for the delay, the state of Washington has a new payroll tax for long term care which has most LTC Specialists receiving four to five times as many requests for info as normal. We’re glad you were able to connect though, and very pleased you found a solution you and your family are happy with.

-Del, MO 6/1/2021

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“Lisa was extremely helpful and patient throughout the whole process. I felt that she was very knowledgeable about the whole process and provided answers to our questions as we went through the process of trying to make a decision on the insurance options.”

-Doug, SD 6/1/2021

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“Dan was great to work with and took the time to answer all of my questions being honest and transparent. Made it easy to discuss options over the phone after normal business hours and able to view his screen to show us the documentation he created.”

-Tiffany, WA 5/28/2021

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“The representative, Richard, was well informed, helpful, polite and knowledgeable. I feel like there was no sugar coating anything and that I was given the best options available. He worked with my husbandand I to start the application process for LTCI with as much information as we could get.”

-Rebecca, VA 5/27/2021

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“The LTC Insursurance Rep, Sarae, that I have been working with is great. She is well informed, provides good information, offers solid explanation and options on coverage and is extremely patient in her efforts to bring understanding to a big decision for me as a potential client. She is exceptional at what she does!”

-Howard, PA 5/24/2021

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“Working with Jeff has been great! Love that we can complete everything via zoom and over the phone. Really appreciate him working with me to answer questions and get us the level of coverage I wanted.”

-Amber, WA 5/16/2021

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“Dan was responsive, helpful, and understood the situation so many people (including myself) now find themseves in with regards to the Washington Long-Term Care Tax. I appreciated that he considered my time valuable and made an effort to simplify and speed the process. I would recommend him to anyone looking for LTCI.”

-Rebekah, WA 5/12/2021

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“Lisa was very helpful in looking at various possibilities. She was not pushy and kept with me while I explored other companies. She was friendly, interested and worked with my unique situation and found a solution.”

-Randall, SD 5/1/2021

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“Cathy was a fantastic agent in helping me secure short-term (care) insurance, which will be very comforting to me. Cathy was extremely helpful and knowledgeable, and I very much appreciate her professional assistance.”

-Amy, NV 5/8/2021

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“Rich assisted me with the review of the best LTC coverage for me. We had a couple of Zoom meetings to go over the product and recommendation. After having time to compare with a competitor’s product, I was comfortable applying for coverage. Rich made the process simple.”

-Timothy, PA 5/3/2021

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“I started looking for LTC insurance over a year ago. I made contact with Lisa. She went over all the options with me, and at that time it was not feasible in my budget. I got things worked around and scheduled another call with her and got signed up. She is very knowledgeable and great to work with. Highly recommend.”

-Nancy, OR 4/30/2021

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“Jeff listened to our needs, suggested products for us and took our feedback along the way, so we felt heard and respected. We ended up with a product we’re happy with and the submission process was a breeze. What could be better!”

-Justin, WA 4/27/2021

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“Richard was very professional and his communications skills are excellent. He was punctual and efficient, yet very personable. I appreciate that he has a pleasant, personal way of communicating the facts and options, and was very helpful in answering questions, considering I didn’t have much information about long term care insurance in general. I would definitely recommend him to a friend.”

-Nancy, CA 4/26/2021

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“Dan was exactly the salesperson we were looking for in an agent. He was professional, knowledgeable and very thorough in his explanations of the type of coverage offered and in explaining what coverage was the best fit for us. I would highly recommend him to anyone.”

-Barb, OH 4/23/2021

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“Dan has done such a great job getting us started on our long term care insurance application. He responded to our inquiry promptly and helped us find the best option for our Washington state situation requiring a minimally acceptable policy. We greatly appreciate the assistance to this point.”

-Jeffrey, WA 4/23/2021

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“Cathy was able to guide me through the processof purchasing long-term care insurance in an efficient and easy-to-understand manner. Quotes were explained thoroughly and responses to changes were incredibly fast. All in all, a fantastic experience working with Cathy.”

-Adrian, WA 4/20/2021

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“Jeff helped design a long term care policy that is just right for me. Throughout this process, Jeff has:
-patiently and clearly explained all parts of the policy so I understood them well
-tirelessly run multiple options based on my requests
-always put my needs first and never pushed for anything that I didn’t need or want, even if it meant a smaller policy in the end.”

-Shen, WA 4/17/2021

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“Lisa (was) friendly, informative and very patient as we talked about my options. She did good research and helped answer the many questions I have about LTC, and I believe we chose a good plan because of her help.”

-Hilda, UT 4/15/2021

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“I truly enjoyed working with Tom Gilmour during the application process in determining what carrier and plan was best suited for me. He demonstrated astute skill in his presentation and his experience was most evident. Thanks Tom, and I look forward to experiencing Mutual of Omaha’s excellent protection in long term care.”

-Joseph, PA 4/15/2021

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“Lisa was knowledgeable on each issue. She went above and beyond in addressng issues we had with another carrier, helping us attain the best possible outcomes. She was able to investigate all options and we feel we have the best insurance for our future needs. Lisa is beyond pleasant, she is fun to work with. Highly recommend.”

-Paul & Peggy, UT 4/13/2021

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“Buying Long Term Care Insurance (LTCI) is something we thought about doing for awhile, but kept putting it off. I am so thankful we finally made the decision to pursue it. Jeff made the process easy to understand. His knowledge and professionalism was outstanding. He cares about his clients and is not just ‘selling’ a service, but really wants them to understand the importance of the plan. I highly recommend Jeff if you are looking into LTCI.”

-Lisa, GA 4/10/2021

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“Bill was informative, knowledgeable and personable with his presentation of what Long Term Care Insurance coverage was available. Working long distance through internet meetings worked well and he coordinated times that were convenient with our schedule.”

-Tommy & Heather, WA 4/2/2021

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“Rich was very knowledeable concerning the LTC products, the benefits, advantages and disadvantages of each policy and associated company. He answered all of the questions my wife and I had and helped us with the application process.”

-Brooke, SC 4/2/2021

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“My wife and I worked with Dan, (who was) recommended to us through the Dave Ramsey Financial organization. With Dan’s expertise we were able to navigate the complex world of short and long term care for “end of life” issues. We found Dan to be knowledgeable, able to answer all of our questions clearly while understanding our financial situation. He was prompt with getting back to us with alternative plan possibilities that met our long-term goals. We would definitely recommend him for “end of life” financial planning needs.”

-Dennis, OH 3/30/2021

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“Jeff contacted my husband and I through the Dave Ramsey referral program. Jeff has been very helpful as we research our Long Term Care Insurance options. He explained LTCI very clearly and was informative. We appreciated the charts he created with our different options. Thank you Jeff for your patience, clarity and knowledge.”

-Mia, CA 3/27/2021

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“My husband and I recently spoke with Dan about LTC. Dan was informative, patient, personable, and sensitive to our needs. He answered all our questions and answered some we did not know we had! I will definitely call Dan in the future, if we have any questions.”

-Mary, LA 3/24/2021

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“Dan was extremely professional, knowledgeable, and took time to explain about the LTC products as well as the various features of the policies. He also answered the multiple questions I had. All this led me to choose a LTC plan that I felt was the best fit for me. Thank you.”

-Patricia, TX 3/23/2021

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“We were very pleased with our experience with (Jonathan). VERY professional, knowledgeable, and kept us at ease! He explained everything in great detail and made sure we understood each step of the process to obtain long term care insurance. We would definitely recommend him to friends and family.”

-John, LA 3/22/2021

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“Bill was very helpful to my husband and me, as we shopped for the right LTC insurance. He made it easy to understand, and therefore our choice was simple to make. Bill was professional, always on time… and pleasant.”

-Deborah, OH 3/16/2021

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“Millie was great – and I’ve dealt with another salesperson before about LTC and a dud compared to Millie. She is personable but not schmoozy. And she uses her tools so effectively. She has a “heart of a teacher” as (Dave) Ramsey says. Approachable and efficient. That’s a pretty good combination. I’d recommend Millie in a heartbeat.”

-Sean, GA 3/16/2021

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“Millie was excellent. She was very knowledgeable and easy to work with. She took the time to answer our questions and even did an additional call to answer questions that my son had. Very professional.”

-Pamela, NC 3/13/2021

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“So far this has been a good experience. Catherine has been very willing to work with our schedules, even scheduling in the evening. The module she used was quickly interchangeable to adapt to different scenarios. Highly recommend.”

-Beth, ND 3/11/2021

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“I enjoyed working with Sarae. She worked within my needs and budget to provide multiple options. She also found a great option with a life insurance policy with a long term care rider. I recommend working with Sarae to anyone shopping for Long Term Care Insurance.”

-Danielle, MN 3/10/2021

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“We are highly satisfied by the guidance and thorough, honest explanations of the different LTC policies presented to us by Jeff. He helped us to easily make an informed choice on which policy would suit our specific needs if we ever need to use LTC insurance.”

-Autumn, AZ 3/9/2021

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“Bill was extremely helpful in educating and guiding me through the LTC insurance process. Bill communicated with me in a timely manner, answering all of my questions via email or during the Zoom meeting. I felt comfortable with his knowledge and experience with LTC insurance.”

-Luann, MI 3/4/2021

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“Jonathan went above and beyond to help me find the long term care plan that would work for me. He thoroughly explained the plans, what is provided and the costs. He is professional and compassionate. I would highly recommend him to my friends and family. I’m very happy to know my future has a plan in place, thank you Jonathan!”

-Jo, FL 3/3/2021

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“Jonathan (was) very patient and fully explained the process. We talked more than one time – he answered all of my questions and made a difficult decision as easy as could be. Very thorough which I appreciate.”

-Nancy, NC 3/2/2021

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“Tom gave a very complete and thorough (review) of long-term care insurance options and considerations. He answered questions that I had not thought of, teaching me about the product rather than selling it to me. I highly recommend him.”

-Cynthia, NC 2/24/2021

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“We were very pleased with our experience working with Lisa and all her help in researching our LTC options. She was very patient in reviewing options down to the smallest detail. Any obscure questions or topics we wanted to know about she either knew, or researched and quickly got back to us. We have not had any regrets or second thoughts with our decision. That reflects on how Lisa treats her clients.”

-Wendy, AZ 2/24/2021

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“When looking for LTC information, Cathy of LTC Consumer offered exceptional service! She was very knowledgeable and professional and answered all of my questions. I feel very comfortable and secure with my decision!”

-Erin, CA 2/20/2021

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“Dan made this process so smooth. He listened for the insurance I am looking for within my price point. I appreciate the ease of doing business with the online tools. I was provied a clear explanation of the product and all of my questions were answered. The next steps were explained verbally and then followed up by email.”

-Barb, WI 2/19/2021

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“To briefly summarize, Rich was polite, considerate, knowledgeable and comprehensive. My wife and I appreciated his involvement and give Rich high marks for his part in guiding us through this process.”

-Fletcher, TN 2/18/2021

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“Jonathan helped me put together a long term care insurance policy that addressed my needs and budget. He did an outstanding job of simplifying the conversation and ensuring I understood what was being presented during the coure of our meeting. I would not hesitate to recommend Jonathan to any of my family or friends.”

-Greston, IL 2/16/2021

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“Cathy was very thorough in finding out what we wanted and how best to quote that. (She was) very cooperative with scheduling (the) application process. She was very knowledgeable and professional, as well as just simply a kind person. I would highly recommend her to anyone!”

-Beth, KY 2/12/2021

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“I started looking at Long Term Care Insurance based on Dave Ramsey’s advice. So I went to the Zander Insurance website, completed the form, and soon after I receved a call from Jonathan. An appointment was made to discuss our options in more detail, and in no time Jonathan found a policy that met our needs. He was extremely professional and thorough. It was a pleasure working with him.”

-Kim, SC 2/10/2021

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“Jeff was fantastic! He was knowledgeable about the different types of LTC Insurance. He was so patient to answer my many questions and so graciously give me so much un-rushed time. Also very personable, so these discussions once turned into a 2+ hour phone call. After many phone calls, I finally made my best decision and I am so happy with it due to all the information he was able to provide. Applied / Approved / Done! Thank you so much Jeff.”

-Elizabeth, NC 2/10/2021

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“Richard was very helpful and explained everything in a way I could understand step by step. He also explained the process and time frame it may take to complete the insurance that I’m applying for. I feel confident if I have any questions along the way, he’d be available to answer any questions. It was a pleasure to do business with him.”

-Beryle, GA 2/8/2021

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“Millie was extremely helpful in guiding us in the purchase of our LTC policy. There were too many options to comprehend, but she simplified the selection. Her knowledge about all the different plans from multiple companies made her a credible resource to rely on.”

-Michael, AL 1/24/2021

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“Jonathan was incredily detailed in the way he explained Long Term Care insurance to me. He was courteous, responsive to questions, excellent information provided regarding my questions, he was also very patient since we had some technical difficulties with Zoom video conferencing. I was having trouble downloading it to my computer and he waited calmly for about 10 minutes while I troubleshooted the problem on my pc. When I was finally able to open the app and video conference with him, he displayed a lot of poise as he explained the value this coverage provides and compared different providers and even how inflation would play a part in the value of long-term care and how each individual company deals with this issue. I was very satisfied with his professionalism and would absolutely recommend him to friends and family if they need this service. Regards, Alejandro.”

-Alejandro, TX 1/23/2021

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“Working with Jeff was a great experience, his professional, caring and patient demeanor made the purchasing experience much more enjoyable. Jeff took the time to present us with multiple options and helped us make an informed decision. Thank you Jeff, it was a pleasure working with you.”

-Mark, CA 1/21/2021

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“We began this journey thinking we wouldn’t be able to afford long-term (care) insurance. Jonathan continued to search different companies and came up with an affordable plan that we are happy with. I would definitely recommend Jonathan to anyone who is searching for options. He listens to your needs and is prompt/respectful of your time.”

-Kenny, GA 1/20/2021

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“Dan was wonderful to work with – he spent a lot of time assisting us; presenting us with multiple LTC Insurance options, answering all of our questions, while always keeping our budget in mind. We could not ask for better customer service and we are grateful for the referral from Zander.”

-Drue, AZ 1/20/2021

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“I am appreciative of the thorough explanations and adequate time spent to introduce the different LTC policies and what they cover. I was prepared enough to make a decision on what type of policy I needed to buy and what the benefits would be. Mike was respectful, friendly and patient. I would recommend him to family and friends.”

-Patrice, TX 1/19/2021

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“Dan was very receptive to my needs and my concerns. He was consistent about contacting me and scheduling appointments accordingly. He is very knowledgeable and was helpful in picking a plan that suited my needs. I would recommend him in the future.”

-Leland, CO 1/13/2021

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“Both my wife and I appreciated Richard’s approach and knowledge concerning long term care insurance. We would not hesitate recommending him or utilizing him in the future for other insurance needs. He was very straightforward, honest, and knowledgeable.”

-Edward, MA 1/13/2021

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“My experience with Millie was one of excellence. She took time to explain the LTC Insurance process and was very professional throughout our contacts. I would definitely recommend her and your agency should I have a friend who inquired abou the service. Outstanding in answering questions and providing information.”

-Linda, FL 1/11/2021

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“My experience with Jeff exceeded my expectations. He truly does have a heart of a teacher. Super cordial, kind and responsive to my questions. Very professional and a great listener. I would recommend him to all of my friends. Great experience. I walked away feeling a sense of peace about my decisions. Exceptional!”

-Kathy, GA 12/31/2020

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“Rich did a very good job of explaining pertinent issues relating to Long Term Care Insurance. I appreciated his input regarding the selection of insurance companies and his explanation of their premium differences. He did a great job laying out the current cost of long term care, and how much coverage we should be looking for.”

-Chris, MI 12/23/2020

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“Bill quickly responded to my request for information about Long Term Care insurance. He showed great flexibility with his schedule and was able to meet with me based on my schedule. Bill is very knowledgeable and explained the different policies in an easy to understand manner and helped me to make the best decision for myself. I highly recommend working with Bill and buying products from him!”

-Paul, PA 12/08/2020

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“I recently inquired about getting a long term care insurance policy and I was assisted in this process by Jeff. He was thorough and patient as he guided me through what was best for my wife and I. At no time did I ever feel pressured to purchase something I didn’t need. The level of service I received was outstanding and I highly recommend Jeff to anyone. Thank you!”

-Charles, TN 12/07/2020

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“My wife and I thoroughly appreciated the opportunity to work with Lisa when reviewing and deciding on a LTC insurance policy. Lisa was informative, down to earth, and spent all the time necessary for us to understand LTC insurance and to make the right decision. She was not pushy and did not try to ‘up-sell’. We would highly recommend Lisa to any friend or family desiring to obtain LTC insurance in the future. Truly 5 star service!”

-Craig, MI 12/07/2020

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“Catherine has a great understanding and is very knowledgeable of the intricacies of such a complex insurance product as long term care. Her experience and guidance helped me make the proper decisions regarding the selection of my long term care plan. With her assistance I am confident that I have the protection I need for the very best value for my premium dollars spent. Once again, thank you Catherine.”

-John, MI 12/04/2020

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“I appreciated my experience working with Jeff on LTC insurance. He was patient, explained clearly and thoroughly and answered my many questions. Jeff is a man of integrity and I would recommend him to others.”

-Vicki, AK 11/30/2020

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“Jeff was amazing to work with. I believe him to be honest and sincere which I greatly appreciated. He made me feel comfortable with the decision I was making and never seemed instrusive or pushy. I truly felt he cared and wanted to help me to make the best decision based on my needs and financial capability. I am completely satisfied with my decision and that is all due to Jeff’s integrity, honesty and caring nature.”

-Deborah, CA 11/15/2020

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“Jeff was very knowledgeable and personable. He went above and beyond to help us understand everything, never hesitating to take as much time as needed. We feel he had our best interests in mind, and he guided us to a policy and company best meeting our needs. He never pressured us, and he always answered our questions with intengrity. It was clear he wanted us to be comfortable with whatever we decided. He only wanted what was best for us. We would not hesitate to recommend Jeff.”

-Stephanie, NC 11/14/2020

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“My agent, Dan, was very informative and helpful. He explained things very well and outlined the best options for my situation. He gave me time to think things over and was not pressuring in any way for me to make an immediate decision. I like that Dan was understanding and asked questions that pertained to my situation to help me make a better decision on the insurance that I would like or need (both on price and coverage).”

-Christopher, AZ 11/14/2020

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“Richard was very knowledgeable and treated us with respect. He was very patient with meeting our desires and needs. Timely input and easy to work with. Made the process simple and understandable. Helped tremendously.”

-Dwain, TN 11/11/2020

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“Jeff was great in every aspect. He guided us through everything and made sure we understood all the information. He was very thorough and we felt confident that he directed us to the best program that fit our situation. I would definitely recommend him to my friends and family. Thank you Jeff.”

-David, CA 11/09/2020

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“Millie was extremely helpful and knowledgeable. She took time to explain and answer my questions. Her presentation was organized and informative. The materials forwarded to me were also helpful. I feel good about my decision.”

-Coral, KY 11/7/2020

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“Jeff was absolutely amazing to work with through the entire process of applying for Long Term Care Insurance. He is extremely knowledgeable and a pleasure to work with. He was able to answer all of our questions and provided us with all options for selecting the policy that meets our needs. I would definitely recommend him, and as a matter of fact, I have already provided my sister-in-law with his contact information.”

-Linda, NC 11/6/2020

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“Rich was very helpful guiding us through the application for our long term care insurance policy. He was very patient and answered all of our questions. He was also very knowledgeable about the product.”

-Charley, GA 11/3/2020

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“Our experience dealing with Lisa to procure recovery insurance has been wonderful. Lisa knows her products and is excellent at answering questions and providing additional options when needed. We would recommend Lisa to others and will consider her if we have additional needs.”

-Donald, OR 10/28/2020

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“I first spoke with Richard about LTC about a year and a half ago after contacting Zander Insurance through Dave Ramsey. He explained the details of an LTCI policy and answered all of my questions. I wasn’t ready to purchase at that time, but appreciated his monthly emails reminding me that he was there to answer any questions. I contacted him again this week, and completed the application process today.”

-Kim, AL 10/23/2020

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“I have been very pleased with my experience and the service I received from Lisa. She was very thorough, patient with my questions and request for clarity, and researched to make sure I would qualify. I appreciated her input and suggestions, yet she made it clear it was my decision. I would happily utilize her help again and would make recommend her to others I hear may be looking into LTC insurance.”

-Debbie, MI 10/22/2020

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“Lisa did an excellent job helping us sign up for long term care insurance. She was very helpful in answering our questions and was quick to respond back to us as needed. She regularly checked in with us as we went through the process of applying, waiting for approval and finalizing the policy agreement. I would highly recommend her.”

-Susan, OR 10/22/2020

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“It was a pleasure working with Lisa. She educated me and patiently walked me through the LTC process. She listened to my concerns and provided several options bearing in mind what my financial objectives were. I would gladly recommend Lisa to my friend and relatives without any equivocation.”

-Paulet, CA 10/16/2020

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“My wife and I had a great experience exploring our options for long term care insurance. Sarae expertly guided us through the whole process answering all our questions and concerns. We now feel that our new policy will be a good fit for us.”

-Neil, IN 10/13/2020

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“I submitted a request for long term care insurance on the Zander website. I received a prompt response from an agent, Rich. He thoroughly explained my insurance options, was clear and concise in his explanations, and I was able to select the best product for my needs. He was extremely knowledgeable and able to answer all my questions giving me confidence I made the right choice. Thanks Rich and Zander Insurance!”

-Morrisha, GA 10/12/2020

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“Rich was very helpful and thorough in providing the LTC insurance I was looking for. If I have any further need for insurance, I would have no problem in seeking out his services again! He was very prompt with everything he assisted me with.”

-Jeffrey, PA 10/7/2020

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“Representative was very patient, and helpful. She helped me to thoroughly understand all aspects of the long term (care) insurance. Representative was very helpful, and knowledgeable in answering any questions that I had. I would most definitely recommend her to others.”

-Gloria, TX 10/7/2020

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“I enjoyed the entire work flow. I found Cathy via Policygenius and couldn’t be happier to finalize.”

-Don, CA 10/2/2020

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“Lisa took care of my wife and I when shopping for long term care insurance. She was extremely professional, knowledgeable, and organized and helped us navigate the process. We would recommend her to anyone interested in obtaining long term care insurance.”

-Patrick, TX 9/28/2020

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“Nothing but the highest praise for Millie during the entire application process. She was thorough, clear in her explanations, prompt to return phone calls and emails, and always ensured that I knew the next steps and when those steps would occur. For a decision as complex and important as LTC insurance, Millie made it simple and easy. I talked with three other brokers during my evaluation of LTC – but purchased through Millie because of her helpfulness, advice, and overall great rapport.”

-William, AL 9/27/2020

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“In general, Lisa was very good in terms of reaching out and supporting us. Two areas to improve – 1. Lisa was really busy the day we had our appt and probably would have been better to do the appt another day. 2. Identify ways for the participants to fill out the forms at their convenience and then review with salesperson.”

*NOTE: Carrier compliance requires applications to be filled out in presence of a licensed agent.

-Jeff, CO 9/22/2020

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“Lisa was a pleasure to work with! She made us feel very comfortable, and no question was too silly. She took time and helped guide us through all of the options. She educated us, which is a must for me! Thanks Lisa!”

-Maria, IL 9/17/2020

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“My husband and I were totally in the dark when it comes to LTC planning and somewhat nervous as we have seen what our parents went through balancing their finances ad health issues and we live on a limited income. Cathy did a great job of guiding us, no pressure; and letting us work through the options and what would work for us and our budget. We had lots of questions but she was so patient and informative. Thanks so much for all your support and assistance!”

-Hettie, TX 9/17/2020

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“Working with Millie was an absolute pleasure. She was friendly, knowledgeable and professional through the entire process. We went through the company and plan options and decided on what we felt was best for my family. Millie’s experience and input were invaluable.”

-Mike, MD 9/11/2020

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“I was referred to Jeff through the Dave Ramsey website and Zander Insurance. I chose this route instead of trying to find someone here because I know when they are affiliated with Dave they are required to have a heart of a teacher. Jeff did not disappoint, he was very thorough and made sure I understood all the options. I told him I felt schooled, not sold. I felt very comfortable talking with him even though we were talking remotely. I will definitely recommend Jeff if I come across people who need (LTC) insurance.”

-Jo, NC 9/10/2020

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“Lisa is excellent, she is fun to deal with, and got through all the questions (of which there are many) in good timing. Lee and I would highly rate Lisa and recommend her.”

-Scott, OR 9/8/2020

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“Our LTC Consumer representative, Bill, was courteous, friendly, and professional in interactions with us. He answered all of our questions and was patient with my husband and me as we had delays due to technical difficulties. He explained LTC options available to us and was prompt to all of our virtual appointments. All of this was very important to us as we make the huge and important decision to purchase LTC insurance.”

-Rhonda, TX 9/8/2020

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“Appreciate Millie’s vast knowledge in the LTC arena. Millie was able to answer our questions and concerns throughout the process of getting approval from Mutual of Omaha Insurance Company. Thanks Millie, for your dedication to assist others.”

-Mary Beth, KS 9/8/2020

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“Lisa was extremely helpful and patient with my questions. She was not pushy but was helpful in letting me know pros and cons of my options. She seemed very informed of what was available. I would recommend her if you are looking for insurance.”

-Angela, NY 9/6/2020

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“Lisa has been patient and most helpful in guiding me through the slection process for obtaining long term care. She explained the different choices and recommended a policy that fit my needs. She does not merely sell a product, but finds the proper type of care at an affordable price. I highly recommend her to others needing help with long term care insurance.”

-Carl, CA 9/4/2020

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“My experience with Jeff could not have been more positive. He is incredibly knowledgeable and answered question after question. To summarize, it’s like someone you’ve known for a long time that you instantly trust and like and as you move through the process of helping each family or individual figure out the puzzle with their unique set of circumstances. I couldn’t be more appreciative!!”

-Lesley, TN 8/14/2020

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“My wife and I were shopping for LTC and Jeff provided an exceptional overview of the various products and how they were structured for inflation. Jeff had proven experience in this industry and was more than able to answer our numerous questions. We spent a couple of briefing sessions together on Zoom and decided to move forward with an application. I found LTC insurance to be fairly complex and Jeff made it easy to understand.”

-Michael, CA 8/31/2020

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“I just completed an application for LTC insurance with Richard. This was the result of a couple of Zoom meetings where Rich provided me with an overview of this type of insurance and all the options available to me. He helped me understand the ins and outs of LTC insurance, which is quite complicated. I felt prepared to make an educated decision after talking with Rich. I also felt comfortable that he was being transparent with me and had a genuine concern to see that I chose the insurance best for my situation. I plan to recommend Richard to friends and family and I don’t do that lightly.”

-Rebecca, VA 8/31/2020

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“Millie did a great job explaining the long-term care insurance itself. She provided a quote while we were on the phone with her. We were able to complete the application in our next meeting and everyhting flowed very smoothly.”

-Jeffrey, GA 8/31/2020

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“Jonathan has helped us with an important life decision to secure long term care insurance. From the first phone call, he has been 100% amazing. His knowledge and guidance are exactly what we needed and because of that, we made our decision. Every company needs a Jonathan!”

-Deborah, OH 8/29/2020

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“She served me as if I was family and attended to my every need. She was professional, kind, friendly and knowledgeable about her craft. Her friendliness and understanding is what everyone in her position needs to be. Thanks.”

-George, GA 8/28/2020

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“My overall experience with Catherine, LTC Consumer Specialist, couldn’t have been any better. She walked me through all aspects of LTC plus a deep dive into the options focusing on my particular needs as the priority. She was thorough, extremely knowledgeable and was able to answer all my questions with a continual open line of communication.”

-Bette, CA 8/25/2020

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“Cathy was amazing and took us through every step of the process explaining in detail the various aspects. Was a very pleasant experience. She communicated well and responded quickly to any questions / concerns that we had.”

-Sri, TX 8/22/2020

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“We are very pleased with the service we have received from Richard as we have explored the possibility of long term care insurance. He does his job in a very professional manner. He is personable, knowledgeable, communicates well and provided us with the necessary information to make an informed decision. We appreciate his service to us.”

-Debra, KS 8/21/2020

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“True professional. Jeff has been such a great help guiding us through this process. His kind spirit comes through. We have full confidence Jeff will give us the best chance to be successful. Although only speaking a handful of times on the phone, I consider him a friend.”

-Al, CA 8/17/2020

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“Terrific experience working with Jonathan. I was presented with a wide range of options, and we narrowed them down to one that I feel gives me exactly what I was looking for. Jonathan was very patient as this was a rather long decision process for me.”

-Judith, TX 8/13/2020

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“Jeff has been EXCELLENT to work with!! He is very knowledgeable, supportive, patient, comprehensive. He is very accommodating with his time. He goes way beyond with his efforts consistently. I trust him and his judgments very much!! I would not want to work with anybody else. I hope to work with him more over time.”

-Thomas, WA 8/11/2020

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“Jonathan did an excellent job explaining all of our long term care options. He was extremely thorough, knowledgeable and transparent – and we would recommend his services to everyone looking to purchase long term care insurance.”

-David, LA 8/8/2020

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“I would highly recommend Jeff at LTC Consumer. He did an excellent job helping me with my long-term care insurance planning needs and with completing my long-term care insurance policy. Jeff is very knowledgeable and very caring to ensure his customer needs are met with high customer service. Thanks, Jeff.”

-Carl, TX 8/5/2020

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“Rich was very helpful in answering all our questions concerning LTC insurance. He was very knowledgeable about the product and made it an easy decision to continue with his recommendations. He was very professional and did not pressure us to make the sale.”

-Donald, TX 8/4/2020

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“Jonathan made the LTC planning and application process painless. My experience included rapid replies to inquiries, patience and understanding to provide me with all the necessary information to make educated decisions, and a few laughs to soften the process.”

-Abby, UT 8/4/2020

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“Cathy was extremely knowledgeable and helpful. She followed up on everything that I asked and never pressured me or my husband. I felt as though she really had our best interest in mind. I have referred her to my sister and will continue to refer her.”

-Kelli, MI 8/4/2020

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“Jeff is the ultimate professional. He’s personable, knows his product, and stayed on top of the process even when I dragged my feet. I will definitely call him to insure other family members. I’m recommending Jeff to others.”

-Sharon, TN 8/1/2020

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“Although I had done some research, I still needed a knowledgeable, experienced Zander rep to explain more about long-term care insurance to me. Tom was that rep, and he was patient, kind, cheerful, and thorough in educating me about my options. I am thankful for his help.”

-Rosanne, SC 7/30/2020

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“When I started this process with Sarae and LTC Consumer I had a lot of questions. Sarae answered every question I had, thoroughly with knowledge, patience and outstanding professionalism. I look forward to an ongoing relationship with Sarae and LTC Consumer Thank you Sarae!”

-Julie, AZ 7/28/2020

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“Tom with Zander Insurance contacted us immediately to provide options for long term care insurance. He was experienced and knowledgeable about the product, sharing details and working patiently to ensure we understood the best options to fit our needs and budget. I would highly recommend Tom to those who are seeking long term care insurance.”

-Theresa, TX 7/25/2020

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“Dan was my specialist. I’m a person who prefers to know every possible option, and Dan was gracious enough to oblige as we talked through multiple policies and how to combine them to meet my needs.”

-Rania, IL 7/25/2020

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“Jeff was patient and honest regarding the process of determining my options for LTC insurance. He answered all my questions, submitted several options, made sure I understood exactly what I was and was not applying for. I am confident I made an informed choice due to his careful explanations. I really enjoyed his no pressure style of presentation.”

-Shirley, TX 7/24/2020

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“Jeff worked with me and my husband through the application process for long term care. We couldn’t have been more satisfied with the customer service he provided. He was knowledgeable, efficient, and very pleasant to work with.”

-Jean, TN 7/21/2020

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“Dan has been tremendously patient and helpful in providing me with the necessary information to make an informed decision regarding LTC insurance. I appreciate, greatly, his openness and flexibility in scheduling times to speak with me to answer all of my questions.”

-Margaret, FL 7/19/2020

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“Having never bought LTC insurance I have nothing to compare my experience with. However, it has been fairly painless thanks to my insurance agent Jeff. He took the time to clearly explain the products and process. He provided three quotes for us to choose from, and there was no pressure on which we chose. Having looked into LTC insurance previous to speaking with Jeff I know he was providing adequate quotes for where we live. I recommend Jeff.”

-Shane, CA 7/18/2020

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“I have been researching long term care insurance with Jeff, and cannot say enough good things about his expertise and integrity. He also tunes in so nicely into what works best for the customer. I appreciate the opportunity to work with Jeff.”

-Vilja, CA 7/14/2020

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“Lisa was a great agent to work with because she was friendly, thorough, and patient. She was always willing to explore different options with us and find answers to our questions. Her response time was always prompt, within 24 hours, and usually less. Working with her was a pleasure.”

-Vicki, TN 7/12/2020

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“This has been a great experience working with Jonathan. If I could, I would give him 10 stars. He was courteous, respectful, professional, thorough, and made the Long Term Care Insurance easy to understand. Jonathan was punctual with appointment times, and has great people skills.”

-Mary, SC 7/10/2020

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“Lisa is a very knowledgeable, caring person. She made recommendations for our policy that would fit our budget plus our needs. I never felt pressured into any of the decisions we made for the policy. She gave us information on all the different kind of policies out there & explained them well. I would tell any friend or family member to use her for their needs.”

-Laurie, CO 7/10/2020

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“Getting Long Term Care with Jeff was easy and reassuring. I had many questions as we were walked through the process and they were all answered to my satisfaction. My husband and I felt no pressure at all during the process. Thank you Jeff for helping us with a decision that we will not regret!”

-Arlette, CA 7/9/2020

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“My husband and I both agree that Cathy would receive an Excellent on everything! She was SO knowledgeable and was very careful to present all scenarios. The software she used was very impressive and we were EASILY able to plug in different variables to configure just the right solution for us. We have looked at taking out long term care insurance several times over the years and it never felt right. This decision with Cathy and LTC Consumer was a no brainer. I LOVE when people are good at their job, and Cathy was EXCELLENT!”

-Marsha, GA 6/26/2020

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“Lisa has been a great help to my husband and me. She has explained in detail and reviewed different LTC policies. She has been very accommodating to our schedules and we feel that any questions we have, even now, will be handled by her in an efficient and correct manner. My husband and I are very grateful for her time and talents!”

-Gail, FL 6/26/2020

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“Dan was on time, clear and informative. He was knowledgeable of the LTC industry. The software he used – so we could see exactly what he was talking about in real time – was excellent. He moved the process along and answered our questions effectively. The attachments he sent us were helpful. The quotes he sent us were laid out in a way that helped us make decisions quickly. The Mutual of Omaha brochure helped us to understand the items on the quote too.”

-Terry, MI 6/24/2020

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“My agent, Cathy, was extremely knowledgeable and answered all my questions completely – provided all information about LTC options. I was very impressed and would highly recommend her and LTC Consumer to anyone looking into such insurance. The plan we settled on was tailored by the agent to my coverage needs, my budget, and my LTC goals.”

-Mark, TX 6/22/2020

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“I submitted a request for a quote online, and received a call from Richard with the information I needed. Right from the beginning, I was impressed how Richard listened to what I was saying, and found a policy that fit my needs, while being affordable. I didn’t even know such a policy existed. I appreciate that Richard was very patient with my many questions. I feel very comfortable with the choice I made. I would encourage anyone who would like to explore more insurance coverage to contact Richard. He was truly a blessing.”

-Judy, TN 6/17/2020

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“I appreciated the process with Jonathan. From the initial setting up of the meeting; to the weekly reminder of the meeting; the process of logging in for the meeting – seamless. The introduction of how we would move through the meeting was very helpful. I was then able to wait on all my initial questions because I knew they would be answered as we moved through the meeting. Jonathan took his time to explain each step and allow me to ask questions or voice concerns.

Jonathan answered questions from the professional point of view; but when I wanted a personal opinion, he gave his view point. Our conversation was good dialogue to make sure I was making the best decision for myself. Jonathan gave me the time to look at several companies; then we narrowed it down to two. This took some time to discuss the two companies and the product. Jonathan answered my concerns by giving long view scenarios to think about and discuss.”

-Deborah, VA 6/16/2020

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“I worked with Lisa to apply for my long term care (insurance). She was wonderful! Very knowledgeable and looked for what fit my situation the best. Also very professional, yet personable and fun to talk with!”

-Cleone, CO 6/12/2020

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“(Jonathan) went through all the items for an application, answered every question, and helped me pick the best plan. No salesmanship, no hype. Just what I felt was the best plan for me. Finished in an hour and a half. Should have talked to him five years ago. Highly recommend.”

-Jill, SC 6/9/2020

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“Jonathan was extremely knowledgeable and took great care and spent time explaining everything to us in an understandable way. The program he used was easy to follow and we felt good about his suggestions. We felt he wanted to help us make the best decision for us. It’s obvious that he cares about his clients and enjoys his job and helping people.”

-Debbie, TX 6/9/2020

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“Bill was very patient with us, we had to cancel our meetings a few times because of finances and family situations. But he stuck with us and was able to help us apply for LTC insurance. It was a great experience. Will recommend him to my family and friends!”

-Ursula, WA 6/3/2020

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“We had a great experience working with Millie regarding our long term care planning. She was very professional and patient to go over the terms with us, sometimes even twice! Would definitely recommend her to others!”

-Robin, TX 5/28/2020

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“Cathy’s experience and knowledge provided me the insights and confidence to know I made the right choices in LTC for me. She worked around my schedule and coached me through the expected processes to ensure ease and completeness.”

-Martine, MO 5/23/2020

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“Sarae was very helpful and knew what she was selling very well. She kept things simple and explained things well. She also took her time and didn’t try to hurry us through anything and even would go back to explain things to us again as needed. Sarae was very personable and asked about us and how things were down in Texas during this crazy time. And at the end, she would even apologize for running long on the appointment. No apology necessary for a job well done. Thank you ma’am!”

-Russell, TX 5/21/2020

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“I emailed Zander Insurance and within a couple of hours Jeff called. He was prompt and prepared with information that I needed. He was thorough, very courteous and respectful of my time.”

-Charlene, GA 5/21/2020

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“I was blown away by the professionalism. I felt that I was not talking to a car salesman two minutes into our meeting. I was actually talking to a human being who had our best interest in mind. Never was pressured into any different plan. Just was shown different plans and pointed out the differences but that the ultimate decision was ours. Thank you. Thank you.”

-Leonard, KY 5/19/2020

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“We met Dan through a third party connection. From the first moment Dan put us at ease with the process, explained each step completely and assisted us with completion of everything. He was professional and very knowledgeable with all information. We were very pleased with the experience.”

-Joy, MS 5/7/2020

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“I went through Dave Ramsey’s website to look for Zander Insurance. I then went to Zander Insurance, which was how I looked for long-term care insurance. Next thing I know, I got a call from the LTC Consumer people. (Sarae) was very knowledgeable and helpful. Everything worked out really great.”

-David, UT 4/30/2020

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“The consumer specialist, Sarae, has been dedicated to providing us the best long term care planning. She was professional and had in-depth knowledge of the product and process. We are glad to work with her. We recommend her services to anyone in need of this type of service.”

-Filomena, WA 4/30/2020

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“Richard was very helpful and informative in explaining this product. He answered all of our questions and provided easy to understand explanations. I felt very informed about long term care insurance before we made our decision to proceed.”

-Terry, NE 4/29/2020

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“Richard was very patient, professional and exceedingly knowledgeable of his products. He did not get upset with our multiple questions and was very low pressure. We felt very content with him, his product and it’s benefits. Being also in sales I really enjoyed and appreciated Richard’s sincere and caring style.”

-Heidi, MA 4/27/2020

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“Very happy with the service provided. Millie was knowledgeable, respectful, and easy to talk to. She was patient with each loose end we had to tie up and guided us through the process with ease. Thank you again!”

-Christa, VT 4/27/2020

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“(The) price was appropriate. It was a lot better than I expected it to be. The enrollment process was easy although it’s always uncomfortable for me to talk to someone I don’t know with personal information like putting my social security number in a document. … The process was expedited. On first contact with them, I was not eligible because I had surgery. And then the rep followed through with everything that he said he was gonna do. He emailed me when he was supposed and call me when he was supposed to. It all happened much quicker than he expected. … Overall it was a good experience.”

-Debra, WI 4/22/2020

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“As a caregiver for three of my loved ones who did not have long term care insurance, I understood the physical, emotional, spiritual and financial stress that can overwhelm a family. In my desire not to put this burden on my children, I decided to navigate long term care planning and I was led to Dan of LTC Consumer specialists through Zander Insurance. Dan was very patient, knowledgeable, attentive and receptive to my many questions. His detailed and thorough explanation convinced me that this is the right thing to do.”

-Maria, TX 4/21/2020

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“Jonathan was very pleasant, and knowledgeable. He explained things extremely well and gave me the opportunity to ask questions. He was very professional and did not become upset when I answered a health question wrong. This resulted in him having to redo the application. I would highly recommend him to anyone.”

-Pamela, KY 4/21/2020

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“My experience in learning about and submitting an application for long term care insurance was excellent. The agent I worked with presented the information about the policy options clearly – very informative and I feel confident that I understand everything I need to know to make a decision. I cannot imagine receiving a better explanation of the policies and appreciated the screen sharing as we discussed all of the information. Would give 10 stars if that option was available.”

-Rebecca, TX 4/20/2020

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“I just got my LTC Consumer policy and didn’t have any complaints. I got it in the mail two days ago and mailed it back.”

-James, TX 4/20/2020

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“My husband and I are very pleased with the assistance (Jonathan) gave us during our search for LTC Insurance. Additionally, he has assured us that he will stay with us through the process of underwriting, assisting us in any way necessary during that time. At this time, we would recommend him to a friend. We will follow up once the entire process has been completed.”

-Natalie, TX 4/15/2020

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“Lisa was excellent in helping us choose a Long-Term Care Plan. She was most informative and was able to answer all of our questions. The process was very easy. This is a difficult decision and she was very understanding and led us through it.”

-Brenda, TX 4/13/2020

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“We worked with Sarae to explore options for Long Term Care Insurance. Sarae was able to answer all our questions and was very thorough in explaining the process to us. We would use Sarae in the future for any insurance needs.”

-Douglas, WA 4/6/2020

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“Jonathan did a great job laying out the LTC landscape for us and helping us to make a good decision. He is a real pro and extremely knowledgeable. We felt he went out of his way to be transparent. We had the confidence to sign up at the end of his presentation and he facilitated the application smoothly. One thing: the process can be time-consuming, so make sure you have a good window.”

-Rob, LA 4/2/2020

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“I was putting off getting Long Term Care Insurance. Rich made the process simple, efficient and educational. Everything about the process was flawless! Thank you for turning something I was dreading into a pleasant experience!”

-Hillary, VA 4/2/2020

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“I heard about long term care insurance (LTCI) through a Dave Ramsey podcast. I researched this insurance and realized it was something we should have. Went to Zander Insurance and my contact (at LTC Consumer) was Thomas. He was very helpful, and gave me a lot of information. Tom walked me through everything. I now have LTCI and feel much better going forward in life. I would highly recommend Zander Insurance and also Tom (at LTC Consumer). Thank you.”

-Shelley, WI 3/27/2020

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“I liked the way that LTC Consumer was represented and decided to use them. I thought very highly of the rep. She was very thorough, provided continuous follow-up, and had good communication.”

-Elmer, AZ 3/27/2020

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“We are a retired couple living in Alabama who decided to consider applying for Long Term Care Insurance. We contacted Zander online. Very promptly Richard reached out to us. He very professionally asked us about our motivation and need. Like a teacher he guided us through our options and answered all of our questions. He proposed a couple of possibilities, worked around our schedule, and expertly satisfied all of our concerns. We believe Richard is an excellent representative of the company, very professional, and quite attentive to us – his clients. We have no problem recommending him to Family and Friends who also express a need for a Long Term Care Insurance Policy.”

-Michael, AL 3/27/2020

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“Instead of trying to sell a policy, (Cathy) explained all the little details and answered all my questions. We connected on the PC where she showed me charts and how to tailor the payment to something I could afford. She showed data between the different insurance companies that were available and made the choice a lot easier. In the end, I was very happy with the product I received.”

-Wayne, NJ 3/20/2020

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“My broker told me about LTC Consumer. We were looking at a few different companies, but LTC Consumer was a strong company. The process has been easy and they know their stuff.”

-Terry, TX 3/18/2020

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“From the first callback to the last detail to send my insurance application I was more than happy with Dan’s communication and patience with me as I was sick for two entire weeks with the flu. I appreciated his promptness and professionalism.”

-Deanna, OR 3/17/2020

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“Jonathan was on time and answered all of our questions. He gave us several options to choose from. There was no pressure from him for us to make a decision. He seemed to be very well informed of the options that were available. I would recommend him to anyone I know.”

-Robert, UT 3/16/2020

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“We first spoke with Cathy in sales. She was very professional and really helped us understand our options. Would highly recommend her. Would recommend LTC Consumer to anyone who is looking for experience, professionalism and good customer service.”

-Carole, PA 3/14/2020

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“Jonathan did a thorough job of explaining our options with the various policies and carriers. He remained patient while answering our many questions and addressing any concerns we had. We received a good product that we could manage now and even with a future reduced family budget as we plan on in retirement.”

-Milinda, NC 3/12/2020

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“I was so appreciative of the prompt and thorough meeting to discuss my insurance needs. The entire process was informative and I learned much in the process. I was treated with respect and truly appreciated the personal process. I worked with 2 other prospective agents in this search for insurance and I would recommend Curt.”

-Cheryl, LA 3/7/2020

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“We’ve been very satisfied with LTC Consumer. Everything has been fantastic and it was a very easy experience.”

-Jacqueline, AZ 2/27/2020

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“There’s no getting around the fact that you have to look up a bunch of information about your medical history, but the agent I worked with, Sarae, was friendly and took the time to work with me. I probably wouldn’t have done this if I’d had to wade through this on my own.”

-Sean, FL 2/24/2020

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“I went through Dave Ramsey and Zander Insurance and my experience with LTC Consumer has been good. I appreciated the agents who I spoke with. Working with LTCI has given me some sense of peace of mind knowing that I’m in the process with getting the things in order that I think are important based on the stage of life I’m in. It’s been a very smooth and informative experience. And it has also been an easy way to navigate something that I wasn’t familiar with.”

-Barbara, CA 2/16/2020

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“We heard about LTCI through Dave Ramsey, and our interaction with their reps was very professional.”

-Kenneth, AZ 2/12/2020

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“I reached out to a couple of folks on Long-Term Care, and the person who got back to me from LTC Consumer was the most responsive. I spoke with Cathy and she was so responsive. She worked with my schedule and fit it in the middle of my workday. I went back and forth with her several times around the specifics of what I was looking for and she listened very well. She also got back to me with the information, so I was really happy with her.”

-Kathleen, PA 2/2/2020

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“My husband and I both recently turned 60, and we thought it was time. This was the first one that we went to and we were okay with the prices. The rep was very nice and walked me through everything.”

-Rebecca, MO 1/28/2020

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“The lady who repeatedly helped me was very knowledgeable and helpful. No pressure, always prompt to reply and offered me help on how I could figure out what to buy and compare benefits and cost. I did end up buying LTCI for my husband and Recover Care (STC) for me. Very pleased.”

-Yvonne, WI 1/25/2020

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“My parents and grandparents have LTCI. I got mine this year and my experience has been good. It’s insurance used for a nursing home or private care that your insurance won’t cover when you get old. It protects your assets.”

-Ginger, HI 1/18/2020

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“Sarae was thorough, not pushy, and had the heart of a teacher. She answered all of our questions and concerns to our satisfaction. The videos recommended before our first appointment were very informative. Sarae was thorough without being pushy and was very easy to talk to in getting our questions answered.”

-Ron, MN 3/6/2020

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“Very knowledgeable and a lot of experience with LTC and is able to communicate that information to the client. Ask for Dan, you can trust him to offer you the LTC product that fits your needs.”

-Mike, CA 3/2/2020

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For what reason did you give a 5 out of 5 stars for your overall satisfaction?

“The directness and knowledge of the insurance.”

What would you tell a friend or colleague about your experience?

“That it was a smooth and informative process.”

-James, ID 3/2/2020

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“He was very helpful, very informative.”

-James, KS 3/2/2020

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“He is knowledgeable, available, and persistent. Bill was a good advisor, not pushy, and worked to find the right policy for my needs.”

-Susan, WV 3/2/2020

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“Cathy was exceptional in working with us over the past year as we determined how we wanted to proceed with LTC. She provided all of the info we asked for, was exceptionally professional and was very personable on our telephone discussions. I felt she was completely transparent and trustworthy. Well informed, exceptional service and no pressure. I felt we got the best value option for us when we were ready.”

-Pete, WA 3/1/2020

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“Knowledgeable, compassionate, and available. I don’t like insurance agents, but Curt was good and not pushy.”

-Werner, MT 2/29/2020

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“Knowledgeable, Jonathan took his time making sure we understood all of our different options. (He) was kind, considerate, and professional.”

-Fred, PA 2/27/2020

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“Lisa was pleasant and informative and answered all our concerns and questions. Lisa made this process very smooth, and was highly professional, in all the steps it took to complete our application. The experience was a lot smoother than I thought it would be, straightforward, concise, and professional.”

-Stephen, WA 2/24/2020

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“She was professional and helpful throughout the process. Very positive and personal service.”

-Barbara, IN 2/21/2020

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“Allison took her time, never pressured me, and was very professional. No high pressure sales.”

-Susan, CA 2/21/2020

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“Lisa Freeman was very patient and explained everything very well. (She) was very professional.”

-Karen, CA 2/19/2020

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“Meeting schedule was perfect! All my questions were answered completely. Millie was kind, available, and knowledgeable. The real key to my satisfaction was Millie. Even if you have a great or good product, the person helping you must also be excellent. She was.”

-Kimberly, OH 2/18/2020

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Friendly, knowledgeable, courteous, and helpful agent. (He) shopped for (the) best rate.”

-Philip, IL 2/17/2020

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“Informative and easy. Easy to do and a needed product.”

-Chris, MA 2/17/2020

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“Sarae was clear in her explanations, patient, kind, courteous, attentive, informative, professional. She was prompt with replies and right on time with appointments.”

What would you tell a friend or colleague about your experience?

“I would explain why it’s important to have LTC Insurance and then I would tell them about the ease of understanding the coverage and about the benefits of having the coverage.”

-Mary Jane, TX 2/16/2020

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“Jonathan was very knowledgeable and made sure we understood our policies. (He) was experienced, knowledgeable, and understanding.”

-Chiquita, TX 2/13/2020

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“Great customer service. Bill was professional, flexible. Great communication.”

-Debby, TX 2/11/2020

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“Dan was very personable, patient, and extremely helpful. (He made it easy) for us to make a decision.”

-Janeal, CO 2/11/2020

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“Richard was very patient and thorough. He obviously knows his products very well. (He) will answer all your questions.”

-Ellie, OH 2/10/2020

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“Pleasant and clear to speak to and answered my questions concisely.”

-Glenda, AZ 2/9/2020

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“Jonathan was the most professional, knowledgeable, kind person I have ever worked with. (He) was able to look at our situation and quickly find products to meet our needs. He was never pushy, but very patient and kind. Additionally he was able to answer all of our questions and help resolve all of our questions.”

-Gail, MO 2/8/2020

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“Leilani was very accommodating and helpful. She was very pleasant and patient. Very positive in every aspect.”

-Michael, TX 2/7/2020

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“He explained my options at every step. Prompt attention when I called. Good detailed explanations.”

-Janice, MI 2/7/2020

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“Very helpful. Answered all my questions.”

-Dennis, SC 2/6/2020

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“So friendly and helpful. Answered all our questions. Very understanding and patient eve with our kids being noisy in the background. Easy to enroll.”

-Shannon, CA 2/5/2020

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“Very knowledgeable, patient with my questions, timely with our appointments. I felt well taken care of. It was easy, personalbe, no pressure to buy, very informative to make my own decision.”

-Robin, OH 2/5/2020

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“Cathy very much wanted us to know about the product, Long Term Care Insurance. A teacher, efficient in covering all aspects of what we were interested in purchasing. Cathy provided us with a lot of options, reviewed them in thorough detail and did not pressure us in any way. We felt completely confident in the process.”

-Nancy, SC 2/4/2020

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“He was very straight forward and was not pushy. Just told us the facts.”

What would you tell a friend or colleague about your experience?

“That he showed us all our options and let us make our own decision from them.”

-Ron, MO 2/4/2020

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For what reason did you give a score of 5 stars out of 5 for your overall satisfaction?

“Simplicity, knowledge of representative, skill in computer navigation, knowledge of products.”

What would you tell a friend or colleague about your experience?

“Company deals strictly with product; very knowledgeable representatives, personalized insight for clients best interest, not just selling a product.”

-Donald, SD 2/3/2020

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“Bill was very knowledgeable, not only with his own process and products, but also with things that I encountered. Even with my limited knowledge of long term care insurance and technology, with Bill’s help, I was able to make intelligent choices.”

-Wendell, TX 2/1/2020

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“(Dan) was prompt, concerned and efficient.”

What would you tell a friend or colleague about your experience?

“That my need was met in a professional way by a professional who knew his field.”

-Lloyd, MI 1/31/2020

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“He was well prepared and answered all my questions. Rep was well prepared and has specific answers to your questions.”

-Edward, PA 1/29/2020

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“I feel Dan was very helpful and accommodating, patient, and answered our questions thoroughly. (He) helped us find an affordable Long Term Care Insurance (policy).”

-Beverly, CA 1/27/2020

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“Professional, but also personal. Presentation was clear and very helpful in making a decision about the policy. Our concerns and questions were addressed and I feel confident that our application process will be monitored and will go smoothly.”

-Sally, PA 1/26/2020

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“Dan took the time to explain all options and we never felt rushed. (He) set up appointments and was always on time or early. Also very knowledgeable.”

-Donald, ID 1/25/2020

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“(Cathy) explained all aspects of the long term care insurance process very well.”

-Louise, NV 1/24/2020

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“Jonathan Durr was patient with us through the process; he gave us several options and gave thorough explanations so we can understand. It is quite the educational journey that lets you make the best decision for your family needs.”

-Jennifer, TX 1/22/2020

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“He provided an excellent plan for us. It’s a great compromise that allows us to afford coverage.”

What would you tell a friend or colleague about your experience?

“I would just let them know it’s worth their time to listen.”

-Terry, MT 1/22/2020

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“Very professional, easy to talk to, explainedthings in a way that was understandable.”

-Paul, NE 1/21/2020

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“Prompt, professional, and thorough. He was very interested in his client being absolutely clear on all details of the product.”

-Douglas, TX 1/20/2020

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“Sarae was clear in her description of several of the products, patient with all my questions and patient with the amount of time I took to make my decision. She stayed in contact along the way without being intrusive. Great to work with her!”

What would you tell a friend or colleague about your experience?

“I would tell them that the education was thorough, that I asked many questions which were answered in everyday language, and that the person speaking with me assisted me in products that were tailored to my unique situation.”

-Rae Lynn, OH 1/20/2020

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“Very professional and patient. Not pushy. Great information and options. Easy to work with.”

-Cheryl, TX 1/19/2020

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“Patient and respectful.”

What would you tell a friend or colleague about your experience?

“Made it easy to apply for long term care insurance.”

-Val, WA 1/17/2020

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“Wonderful personality, very knowledgeable and informative. You will know more than you did about the subject with no pressure what-so-ever.”

-Catherine, KY 1/15/2020

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“Lisa worked with us and answered all of our questions. She made sure we were comfortable with this decision. Great people that take the time to explain everything to the level needed to make you comfortable.”

-Denise, TX 1/15/2020

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“Curt made the process easy. My experience was that Curt was trying to help me instead of being an aggressive insurance salesperson.”

-Alex, NV 1/15/2020

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“Dan is knowledgeable about the products he sells, professional and respectful of time constraints when speaking with us. I felt comfortable knowing he had his facts straight.”

-Janice, LA 1/14/2020

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“Cathy was very professional, knowledgeable and helpful throughout the entire process. She definitely was able to explain everything in a simple way which, in turn, helped me to make a quick decision about choosing long term care insurance.

Cathy helped me to understand that this type of insurance is important even for younger people. I did NOT feel she was pressuring me to buy insurance, but she seemed to have the heart of someone who wanted to help others. After my experience with Cathy, I feel confident that I made a wise choice in moving forward with LTC Insurance. I want to speak with my adult sons about looking into getting coverage for themselves.”

-Sandra, NM 1/14/2020

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“I give Jonathan Durr five stars plus, because I was presented the utmost show of true concern for my needs, and not just a chance to make a sale. Jonathan was very professional and is a great representative of the company. He also answered questions for me before I could ask them; he seemed to have read my mind. He is very knowledgeable, and I am so happy that he was appointed to handle my long term care planning.”

-Nancy, IL 1/14/2020

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“I was able to get my questions answered and sign up for LTCI. It was as easy as could be expected given the amount of information that was required and (Sarae) made the process easy.”

-Sean, FL 1/10/2020

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“(Cathy) was very professional and thoroughly explained all options. (She) knew product well and made it easy for me to understand.”

-Thomas, WA 1/10/2020

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“Millie is excellent. She is organized, knowledgeable, courteous, flexible and fun.”

What would you tell a friend or colleague about your experience?

“That it’s easy, educational, as well and it is valuable.”

-Tanya, TN 1/8/2020

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“Millie Frambach is THE expert/specialist I’d recommend for long term care insurance.”

For what reason did you give 5 stars out of 5 for your overall satisfaction?

“Thoroughness, follow through, expertise, clear explanations and patience.”

-Matt, TX 1/6/2020

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“Great communication, open and honest, fast process. Sarae was kind, considerate, open and honest about the process, informative and spoke at a level I could understand well.”

-Teri, CO 1/5/2020

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What would you tell a friend or colleague about your experience?

“Competent and knowledgeable agents.”

-Michael, KS 1/4/2020

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“Jon was very informative and a great teacher about the product and process. It was pleasant, informative and ultimately met our needs. Jon gave us many options and led us through with patience and kindness.”

-Danise, TN 1/3/2020

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“Jonathan was knowledgeable, friendly, courteous, and thorough. He answered all my questions and was prompt in his replies and correspondence.”

What would you tell a friend or colleague about this experience?

“It was thorough, easy, and painless!”

-Linda, NC 1/3/2020

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“Richard was a pleasure to work with, very professional, explained the process all the way through and had answers to all questions. From start to finish the process was easy, I was contacted right away after filling in online information.”

-Richard IA 1/1/2020

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For what reason did you give a score of 5 stars out of 5 for your overall satisfaction?

“Patient, teaching interaction.”

What would you tell a friend or colleague about your experience?

“Teaching, not just selling.”

-Dan, NC 12/27/19



“My husband Michael was looking for an LTC policy for himself recently and Leilani was amazing in helping us. She listened to our needs, concerns, answered all our questions, and supported us emotionally as well while we were trying to make this very hard choice. She even educated us on all the different kind of policies and was there every time we had questions. She quickly responded to all our emails and phone calls almost immediately.

Many times kind, understanding, Excellent Professionals such as Ms. Filipanko do not get the recognition they deserve and we wanted you and the company to know how fortunate your company is to have her as your representative, and more so, how blessed we and other customers are to have her ongoing support.”

-Michael, NY 12/19/19

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“Very knowledgeable, customer centric, explores various options. Personalize attention, knowledge about the product, advice provided.”

-Danny, IN 12/26/19

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“Great follow up. My schedule was extremely busy and she would touch base periodically. She was never pushy, always maintained a high-level of professionalism. Very thorough.”

-Linda, TX 12/22/19

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“A very easy transaction. Questions are easily answered and you’re not pressured. Rich is very knowledgeable of the offering, patient in answering questions, and was willing to “teach” me about the insurance offering I was interested in.”

-Cheryl, TN 12/17/19

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“I was very happy with the explanations and detail provided. Courteous, knowledgeable and helpful.”

-Jeannie, AZ 12/17/19

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“Jonathan will let you make the decisions for what you want with no pressure to buy something more than you are comfortable with. Jonathan was very professional and knowledgeable.”

-Sam, MO 12/16/19

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“This is a great resource for learning about options, choices, and HOW to choose LTC. It is more about educating than it is about selling. Good explanation of benefits, answered questions, chose to educate, not tell. Made wise recommendations.”

-Kristin, MO 12/14/19

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“Richard was very helpful, clear, and patient with our crazy schedules. Richard was very thorough. We truly felt he had our best interest while preparing things as we had looked around – what we thought might be better was Not and he clearly demonstrated to us why his proposal was better.”

-Deborah, MO 12/10/19

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“Jonathan was well versed on his business and you are backed by Dave Ramsay… it doesn’t get any better than this! Jonathan was extremely well informed, gave us several options and explained them thoroughly and ultimately made us feel we had made a great choice!”

-Roxanne, UT 12/10/19

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“I felt the LTC Consumer Specialist was caring, genuine, sincere, had me and my husband in our best interest, knowledgeable, understanding, and had patience with me.”

-Loretta, CA 12/10/19

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“Jonathan provided top-notch consultation, and helped me determine the best plan to meet my needs. Jonathan is very knowledgeable about LTC planning, and he helped me determine the best option for me.”

-Robert, GA 12/6/19

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“The process was simpler than I thought. She was able to answer all my questions and concerns with no pressure on my decision.”

-Sharon, TX 12/4/19

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“Good work, dedicated professional. Great experience with Jonathan, he is a well spoken and informed professional.”

AC, GA 12/3/19



“Millie Frambach was awesome. Very knowledgeable. I really felt she had my best interest at heart.”

-Lorraine, AZ 11/25/19

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“Sarae was very nice and easy to work with. Explained everything well, was thorough but quick.”

-Robert, MO 11/25/19

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“Represents quality companies, explains process well. Prompt responses, answered my questions, easy to work with.”

-Karen, WI 11/22/19

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“Curt Horowitz is an extremely capable representative. The technology used in the presentation is absolutely amazing. Thorough knowledge of the subject and patience with any questions.”

-Mark, TN 11/22/19

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“It was surprisingly painless! Quick response. Excellent, clear explanation of products. Timely follow-up. Really listened to my needs.”

-Karma, CA 11/21/19



“Millie is well informed and a great professional.”

What would you tell a friend or colleague about your experience?

“Easy and informative.”

-Jim, ME 11/21/19



“She is very knowledgeable, attentive, and seems to be genuinely concerned about my concerns.”

What would you tell a friend or colleague about your experience?

“That the representative was very knowledgeable about the products and services available and was patient with me.”

-Janet, NY 11/14/19



“Very thorough in explaining the policy, options, costs, etc. No pressure, easy to understand.”

-Cary, TX 11/13/19

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For what reasons did you give a scare of 5 out of 5 starts for your overall satisfaction?

“Knowledgeable, professional, and concise advise and direction.”

What would you tell a friend or colleague about your experience?

“A very needed protection if over 60 and this is the best place / person to get your quotes.”

-Dwight, VA 11/12/19



“Rich was knowledgeable, patient in answering questions and providing explanations, personable, professional, excellent with confirming and keeping appointments. Rich seemed intent on meeting our needs while not pushing us to buy a policy we don’t need or can’t afford. He conducted himself with integrity at all times, and we would not hesitate to recommend him to others.”

-Kristi, KS 11/12/19



“Tom explains the product well. Not pushy but helps you understand the importance and gives you time to make an informed decision.”

What would you tell a friend or colleague about your experience?

“Pleasant, informative, low pressure.”

-Thomas, TX 11/6/19



“She was very clear and friendly. The process was explained and all went well.”

-Sam, NY 11/6/19



“Jonathan was informed, professional and trustworthy. I truly believe he wanted to sell us the best product at the best price.”

What would you tell a friend or colleague about your experience?

“Easy process. Honest and personable assistance. All questions answered quickly and credibly. Highly recommended!”

-David & Laura, IL 11/5/19



“She was very knowledgeable, understanding and dependable as well as very professional.”

-Michael, NY 11/5/19



“He was very helpful, explained items well and I felt had my best interests at heart.”

What would you tell a friend or colleague about your experience?

“That the company was recommended by Dave Ramsey and that my experience with them was awesome.”

-Marla, NE 10/30/19

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“Jonathan was always helpful, ready to explain any question posed.”

What would you tell a friend or colleague about your experience?

“Knowledgeable and friendly representative. Just be prepared to invest a little more time than expected in order to get (and give) all information/answers.”

-Harold, LA 10/28/19

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“You all are amazing and helped our family so much along the way, talking about every type of product out there and every potential issue. We are picky customers and you all went above and beyond. Thanks!”

What would you tell a friend or colleague about your experience?

“That you all made a super complex consumer process very easy and straightforward and answered every question we had promptly. Would happily recommend to friends or family.”

-Babu, CA 10/25/19

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“Jonathan spent the time to fully explore insurance options with us and patiently answer all of our questions. He was very knowledgeable about the insurance products we were interested in.

Jonathan really helped us to understand the pros and cons of the different offerings from various companies. There was no pressure. He was great.”

-Greg, WA 10/24/19

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“Very knowledgeable and great customer service.”

-Beth, VA 10/19/19

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What would you tell a friend or colleague about your experience?

“Pretty quick and seamless.”

-Emma, MD 10/16/19

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For what reason did you give a score of 5 out of 5 starts for your overall satisfaction?

“For being patient and thoroughly answering my questions over several weeks.”

-Daniel, AZ 10/16/19

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For what reason did you give a score of 5 out of 5 stars for your overall satisfaction?

“Connective and communicative and answered questions simply and thoroughly. Always clarifying if I understood.”

What would you tell a friend or colleague about your experience?

“Independent brokerage with good knowledge of the business and companies offering insurance. Referred to by a not-for-profit organization without conflict of interest issues.”

-Dana, WA 10/12/19

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“Agent was very professional.”

What would you tell a friend or colleague about your experience?

“That the agent was fast answering my questions and thorough.”

-Kenneth, NC 10/11/19

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“Leilani is great to work with. She is very well educated on LTC. She gave us excellent customer service. Our experience has been outstanding!”

-Rebecca, AL 10/11/19



“Leilani is very informative, but not pushy and insistent on your purchasing her product. She is understanding, and aware how life issues can be so overwhelming at times. She is genuine. Zander is a reliable long and short term plan that is affordable and easy to work with. Leilani is a representative for Zander who will not steer you wrong.”

-Stella, AL 10/9/19

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“It was quick and easy, his explanations were on point. Nothing could be easier to do for a good night of sleep.”

-Karen, TX 10/3/19

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“Extremely helpful, explained everything and was prompt in keeping appointments. Rich was very kind and patient as I learned about the LTC product he explained to me. The sharing of his screen made it easy for me. Kept in contact and sent text reminders.”

-Rebecca, NC 9/24/19

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“Dan was very personable and seemed to know what he was doing. I felt like he wanted me to have the best deal for my buck. He wouldn’t do anything until he knew we understood what he was presenting and that we were in agreement with the terms of the process. I feel comfortable with him.”

-Dennis, WA 9/24/19

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“He was patient when I had difficulty understanding some of the details of the policy. He helped me to fully understand any point of the plan before he would move on. It was an overall stressless experience.”

-Joann, NC 9/19/19



“Jon went above and beyond to get me the right policy for me. He knows his products.”

-Peggy, VA 9/19/19



“My agent was wonderful at answering all my questions. He never pressured me or rushed me in any way. Honesty and integrity.”

-Barbara, MO 9/15/19

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“Sarae was amazing to work with, made my husband and I feel extremely comfortable during the process, and took time to ensure all our questions were answered. I have already recommended Sarae and (LTC Consumer) to a couple of individuals as the experience that we have had I would recommend to others.”

-Robin, AZ 9/15/19

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“Richard made the entire process simple, understandable, interactive. It was very informative and relevant for our lives. His knowledge was explained in clear terms, questions answered and was not ‘sales pitchy.'”

-Jana, TX 9/10/19



“Prompt and clear. Able to answer my questions with simplicity and clarity.”

-Kimberly, OR 9/8/19

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“Knowledgeable and pleasant. Very helpful.”

-David, PA 9/7/19

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“I appreciated the thoroughness and promptness of the process. Jonathan Durr knows the product and was able to match them with our needs.”

-David, OH 9/6/19



“Very informed and clearly explained the policy. They offered a variety of options to select from.”

-Gail, PA 9/1/19

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For what reason did you give a score of 5 stars out of 5?

“Explanation of the insurance. Great service.”

-Timothy, CA 8/31/19

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“Always very professional and courteous and prompt.”

-Kathryn, CA 8/22/19

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“Curt was knowledgeable and patient, explaining the various facets of the policy. Application has been painless so far. Curt is a great guy to work with. He was always prepared, and on the ball. Never pushy, but always on top of things.”

-Bud, WY 8/20/19

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“Ms. Freeman was knowledgeable and helpful.”

What would you tell a friend or colleague about your experience?

“That they would be talking with someone who specializes in LTC insurance.”

-Robert, TX 8/15/19



“Richard was knowledgeable, patient, and a good listener. I felt he did a good job finding a policy that fit our situation.”

What would you tell a friend or colleague about your experience?

“Easy to work with, they find what you need. Will take the time to answer your questions.”

-Ann, IA 8/11/19

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“My specialist was extremely nice and very patient with me. She was very knowledgeable and worked very hard to get the information that I needed. She does her job well.”

-Linda, NC 8/9/19

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“Understandable explanations and thorough assistance. Satisfied with the process so far.

-Sandra, OR 8/7/19

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“She worked with us regarding a few minor issues and was willing to take the time and helped explain things to suit our needs. Prompt attention, reasonable rates.”

-Jill, PA 8/7/19

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“Seemed very thorough, answered all of our questions and listened well. Gave us thorough understanding of the variety of LTC policies… prompt.”

-Jeanette, VA 8/5/19

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“Very professional and thorough, no pressure. Saved us money. We were thinking we needed to over insure. Richard had our best interest in mind.”

-Rich, NJ 8/5/19

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“There was such ease in talking with our agent. He was very personable and knowledgeable. Educated me very well on the product we were considering. Our agent provided every thing we needed to make a educated decision.”

-Carol, TX 8/2/19

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“Bill Wetmore was extremely helpful and patient. He answered all of my questions thoroughly and walked us through the process step by step. What seemed like a daunting process at first was made simple and easy.”

-Chrysti, TN 7/31/19

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“The information was explained very clearly in a manner that was easy to understand.”

What would you tell a friend or colleague about your experience?

“That (we found) the policy that is right for our needs and (Jonathan is) very helpful with any questions we might have.”

-Lara, GA 7/29/19

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“Very professional, friendly, and knowledgeable representative. Made me feel comfortable, and secure.”

What would you tell a friend or colleague about your experience?

“That I was 100% satisfied with the results.”

-Evelyn, TX 7/27/19

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“I felt that he answered all our questions, and made sure we understood what we were purchasing. Very knowledgeable.”

-Nancy, FL 7/24/19

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“She was a pleasure to work with. Very helpful and answered all my questions in a timely matter. Very good at helping educate about the options of long term care and the ramifications of the each option.”

-Darrell, MN 7/24/19

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“Lisa was very friendly, answered all our questions, had good knowledge of the product. Overall a very good experience.”

What would you tell a friend or colleague about your experience?

“That it was a no pressure experience and a needed product that everyone should look in to. Lisa was very helpful in helping us understand all of the different products available.”

-Tom, WA 7/23/19

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“No pressure interactions, very considerate and knowledgeable.”

-Elana & Jonathan, CT 7/22/19

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“Bill Wetmore was excellent as my advocate/producer. He gave me a sense of comfort and peace. He knows his product.”

-Alfred, TX 7/21/19

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“She is very patient and takes time to answer our questions. Brought understanding to a complex topic.”

-Gregg, MN 7/15/19

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“Lisa was very knowledgeable. (She) was patient, answered my questions, and gave me options to look at. Did not pressure me.”

-Robert, TX 7/14/19

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“She was been very patient with us . She has a Wonderful gift for explaining the very complex LTC products in an understandable way. If when we did not “get it”” she would find another way until we did understand. We never felt like we were being forced/pushed into a product but if we asked what she thought was our best choice she had an answer and a reason for her answer that was specific to our life situation. Ask for Leilani.”

-Allen, CA 7/13/19

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“Rich made Long Term Care insurance understandable, wasn’t aggressively trying to sell a policy and made applying fairly easy. He had access to multiple LTC insurance providers so he could find policies that fit our budget and needs.

Call Rich. He is extremely knowledgeable of LTC, has access to multiple providers to meet your budget, and made the application fairly painless. Highly recommended by Dave Ramsey.”

-Dan, VA 7/12/19

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“Very professional and patient, explained every step so we understood it completely. Made us feel secure and safe in our decisions. With us all the way. Thanks.”

-Garry & Pat, IL 7/9/19

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“LTC is a very hard thing to buy as a consumer. It is not a consumer friendly “Amazon” type thing to purchase. Tom made my experience very smooth and he coached my girlfriend and I every step of the way. He was very patient bringing us up to speed and his calm demeanor was very much appreciated.

First, explaining the need for LTC is a big hurdle. Most people don’t want to think about it and most don’t want a monthly bill for something they may not use. That being said, I would recommend LTC Consumer because I tried three other Insurance salesmen, and they did not make me feel comfortable. Finally finding your company was a big relief. Finally someone could walk us through the process in a relaxed and conversational manner. The power point presentation was a big deal for us. It could use some polishing up but overall it sealed the deal.”

-Michael, GA 7/9/19

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“Jonathan is very patient and knowledgeable. He answered all of our questions, and I feel like he led us to a policy that is going to meet our needs and be realistically priced for us. He also showed us some options that we had not considered or even known about. Talk to Jonathan Durr. He is excellent.”

-Mark, VA 7/7/19

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“Knowledgeable representative, contacts were on time, patient service.”

-Frances, TN 7/7/19

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“Sarae was so friendly and down to earth. She is very knowledgeable about the products and process and also very patient and willing to help any way that she can. She’s great! Sarae is associated with a Christian-based company and truly wants to assure that our needs are covered in a way we can afford.”

-Susan, MN 7/5/19

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For what reason did you give a score of 5 out of 5 for your overall satisfaction?

“(His) ability to clearly explain the materials.”

-Greg, FL 7/5/19

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“Friendly, professional, and knowledgeable. I would say that the overall experience in dealing with my specialist and long-term care has been exceptional.”

-Scott, SC 7/1/19

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“You are more likely to need LTCI than be in a traffic accident. You wouldn’t think of dropping vehicle insurance. Needs to be done.”

-Scott, MN 7/3/19

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“Millie was very helpful, patient and knowledgeable about the product she was explaining. It was a surprisingly easy and a simple process.”

-Mark, OK 7/1/19

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“Specific personal attention and attention to details. Friendly and super responsive. An intelligent, thorough process guided by a skilled and qualified person who took care of my needs.”

-Dan, ID 6/28/19

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“Knowlede(able) and understood what our needs were.”

-Michelle, CA 6/28/19

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“Dan was very responsive and a good listener. (He gave) good guidance on what is covered, options, prices.”

-Larry, IL 6/27/19

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“Jonathan Durr was very patient, explained and answered all questions. Understanding, patient and well-informed.”

T, FL 6/27/2019

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“Very knowledgeable and I felt trustworthy since Dave Ramsey recommended.”

-Beth, SC 6/26/2019

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“(He showed) concern for our well being and choosing the best policy for our needs. Jonathan seemed to have our best interests at heart. Was always willing to move the policy in different modes for us to see what we wanted to decide on.”

-Michael, TX 6/24/2019

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“Clear, thorough explanations. He was very patient and made sure all questions were answered before moving on.”

What would you tell a friend or colleague about your experience?

“That it is a thorough, complex process, but this representative will walk you through it every step of the way.”

-Sam, NC 6/19/2019

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“(Sarae) could answer any questions regarding what I was wanting, polite and punctual. She made it easy to find out what I wanted. (She was) responsive, polite, informative.”

-Maureen, VA 6/18/2019

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“(The specialist) taught us about LTC. (I) have always enjoyed and trusted Zander.”

-Brad, PA 6/12/2019

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“Detailed answers. Quick responses to questions/concerns. Gave clear examples that were easy to understand. Tom was very helpful and took the time to understand our individual situation. He made a complex subject much easier to understand.”

-Alan, MI 6/8/2019

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“Richard has been to excellent to work with so far. He got back to us quickly, provided very clear information and was well aligned with our needs after asking about what we were interested in. He was very straightforward but friendly. He made the process very time efficient for us which we really appreciate. I feel confident that he will be straightforward and honest with us through this process.”

Glenwood, NC 5/24/2019

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“Concise and on time, knowledgeable.”

-Ann, TN 5/24/19

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“Very professional. Pleased with the experience.”

-Wilfred, NC 5/21/19

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“(Tom) explained the product well, how it worked, the process to get LTC, example costs.”

What did you find most useful about this process?

“Good understanding about LTC that I really didn’t have before.”

What would you tell them about your experience?

“Low pressure, good explanation of product.”

-Byron, MO 5/14/19

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“Dan was very professional. He explained things very well. If I did have a question he had the answer right away.”

What did you find most useful about this process?

“How easy the application was.”

What would you tell a friend or colleague about your experience?

“How quick it was to sign up.”

-Donna, WI 5/9/19

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“(Leilani) cared about me as a person and not just a number. She interacted with me very well, and asked great questions. I found this process helped me get a better understanding of how the industry works. My experience was pleasant.”

-Terry, TX 5/6/19

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“Leilani was able to clarify any questions I had regarding the policy we chose to use. She explained each step of the way and I felt I could contact her with any queries.”

What would you tell a friend or colleague about your experience?

“Very easy process and well educated representative to assist throughout the process.”

-Clodagh, IL 5/3/19

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“(Jay) was very knowledgeable and courteous.”

What did you find most useful about this process?

“The interaction we had with speaking to a specialist instead of just filling it out online.”

-John, OH 5/1/19

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“Jay was very helpful. Very friendly, answered all questions, kept us informed.”

-Douglas, IN 4/22/19

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“Sarae is very knowledgeable and thorough and makes the process simple and understandable.”

What did you find most useful about this process?

“Understanding benefits of the plan I selected.”

What would you tell a friend or colleague about your experience?

“Sarae is delightful to work with and will help them to accomplish their goals.”

-Kathy, WA 4/19/19

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“Agent was well-informed in the industry as well as about what very many insurance companies offer. His experience was helpful too. I never felt rushed or pressured about anything or in any step of the process. Very personal experience, not cookie cutter. Always prompt. Answered every question to my understanding. Very personable.”

What did you find most useful about this process?

“Information on LTC insurance, comparisons of several insuring companies’ offers.”

-Debbie, ID 4/18/19

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“He had a lot of knowledge and was very courteous. He will answer all your questions and help keep you informed.”

What did you find most useful about this process?

“Learning about the different levels and the actual cost in our area.”

-Angie, VA 4/17/19

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For what reasons did you give a score of 10 out of 1- for your overall satisfaction?

“Prompt and responsive.”

What would you tell a friend or colleague about your experience?

“Explains thoroughly but succinctly.”

-Janice, NC 4/13/19

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“Rich made the process and the explanation very easy. (He) was able to show us options as we talked. We could see everything and all the details on one screen. He obviously knows the business and takes the time necessary to explain it in ways we easily understood.”

-Roger, GA 4/11/19

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“He explained my inquiries very well. He made it easy.”

-Kevin, IN 4/10/19



“He made the information easy to comprehend and didn’t pressure me to make a decision right away. I teach Financial Peace classes at my church ad have already shared my experience with the people attending the March-April session.”

What did you find most useful about this process?

“Viewing the information on the computer screen while Curt talked about the various plans available.”

-Judith, AK 4/7/19

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What did you find most useful about this process?

“Explaining the coverage and how it is used.”

What would you tell a friend or colleague about your experience?

“Millie was very pleasant.”

-Deborah, MD 3/28/19

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For what reasons did you give a score of 10 out of 10 for your overall satisfaction?

“Quick feedback on our questions and application process.”

What would you tell a friend or colleague about your experience?

“I would encourage them to get coverage sooner (rather) than later.”

-Alton, PA 3/27/19

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“Very knowledgeable and patient. Not pushy. Bill was great to work with.”

-Angela, VA 3/25/19



“Very efficient, very informed, easy to converse. No pressure. Excellent product.”

-Cindy, IA 3/23/19



“Our questions were answered in a kind and patient manner.”

What did you find most useful about this process?

“The teaching us about the insurance and options.”

What would you tell a friend or colleague about your experience?

“Nice, helped us to understand it. Not pushy.”

-Debbie, NY 3/21/19



“Very patient and attentive. It’s not as bad as one thinks.”

-Dan, NJ 3/20/19



“Good explanation of things. Good follow-up. Great service.”

What did you find most useful about this process?

“Use of computer presentation while talking on the phone with us.”

-David, NC 3/20/19



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“She was very helpful and patient.”

What would you tell a friend or colleague about your experience?

“Very professional. No sales pressure.”

-Michael, TX 3/18/19



For what reason(s) did you give a score of 10 out of 10 for your overall satisfaction?

“Helpful, kind, informative, flexible, not pushy. Compared other products from other vendors. Service oriented.”

-Joan, MI 3/17/19



“The specialist was professional, knowledgeable, and answered all our questions.”

What did you find most useful about this process?

“The ability to look on my computer at the information as the consumer specialist took us through the process.”

What would you tell a friend or colleague about your experience?

“I would tell them that it made the long term care insurance understandable to us so that we could make important decisions about our future.”

-Sabrina, AL 3/15/19



“The agent understood our needs and financial status and directed us to a product that worked for us. (It was) less complex than I originally expected. He didn’t add on items we didn’t need. Dan was very patient and helpful with our busy schedules. He really understood our financial concerns and worked within our budget.”

-Kim, TX 3/12/19

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For what reason(s) did you give a score of 10 out of 10 for your overall satisfaction?

“Very satisfied with Mr. Payne, very personable. Very pleasant to talk to, not pushy, a lot of knowledge.”

-William, PA 3/11/19

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For what reason(s) did you give a 10 out of 10 for your overall satisfaction?

“Knowledgeable, easy to understand, clear recommendations, quick comparisons.”

-Michael, WA 3/5/19



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

Very nice and very patient!

-Brian, MI 2/28/19



What did you find most useful about this process?

“Agent’s availability and time.”

What would you tell a friend or colleague about your experience?

“Relatively easy and painless.”

-Celia, CA 2/25/19



“Very friendly and answered our questions thoroughly! He really made us feel comfortable, like we could trust him!”

What did you find most useful about this process?

“I liked having a live view of his computer screen!”

What would you tell a friend or colleague about your experience?

Friendly and easy! Good communication.

-Leonard, MA 2/25/19



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“Responsive, knowledgeable, explained reasons behind recommendations, explained process clearly.”

What did you find most useful about this process?

“Learning what LTC coverage has to offer and it’s limitations.”

-William, OR 2/23/19



“Richard answered all our questions perfectly! He made it easy to follow along! The process seems easy, but we shall see how it goes in the next few months.”

-Sheryl, IA 2/14/19



“Richard was prompt, easy to understand, and professional.”

What did you find most useful about this process?

“Shared online screen.”

What would you tell a friend or colleague about your experience?

“Easy to understand by following along on the screen.”

-Kathleen, NC 2/13/19



“Pertinent, friendly, knowledgeable. Easy, no pressure, informative.”

What did you find most useful about this process?

“Being able to see the recap on the discussion.”

Lon, MI 2/7/19



For what reason did you give a score of 9 out of 10 for your overall satisfaction?

“Knowledgeable, answered all of my questions, able to explain all aspects of the policy.”

What did you find most useful about this process?

“Provided me with a better understanding of this type of coverage.”

Ricky, LA 2/5/19



“We received education, time, and concern through the process. The webinar approach was helpful to walk through the information. We received timely responses to our questions and lots of patience through our lack of comfort with the subject matter.”

What did you find most useful about this process?

“Webinars, charts, general information, and answers to questions. It was also helpful when he shared some of his personal challenges and decisions.”

-Dee Anne, GA 2/1/19



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“The process was thorough, the specialist was helpful.”

What would you tell a friend or colleague about your experience?

“Helpful, painless, informative, comparison pricing.”

-Kathleen, IL 1/26/19



“Curt Horowitz was knowledgeable and easy to communicate with. He did not pressure me and had facts and examples to support his recommendations. Curt made the application process simple and easy. The process is easy and the options are explained in a way to make them easily understood.”

-Steve, WA 1/25/19



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“Very professional. Richard took time to answer all my questions and helped me understand long term care insurance and make an informed decision. I didn’t feel at all pressured. ”

What did you find most useful about this process?

“Understanding the terms and options and what I could change in the future if I choose to.”

What would you tell a friend or colleague about your experience?

“I would recommend they talk with Richard as he is extremely helpful, professional, knowledgeable, and not at all pushy.”

-Catherine, FL 1/19/19



“Explanations were clear, didn’t push products on me, called back, was flexible with scheduling time to speak and answer questions. Richard Horowitz was just great.”

What did you find most useful about this process?

“There was a lot of material to go over, and Richard helped whittle down to some core principles I needed to keep in the forefront of my mind. I appreciated this, as I’m very busy and don’t always have time to go back over important documentation. He really helped with this part.”

What would you tell a friend or colleague about your experience?

“I received solid, one-on-one counseling, but was not pressured into buying anything outright. I also like the documentation – it’s thorough, but not overly dense.”

-Tamara, PA 1/11/19

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For what reason did you give a score of 10 our of 10 for your overall satisfaction?

“Representative has been very helpful and patient in assisting us through this process.”

What did you find most useful about this process?

“Leilani was able to quickly and succinctly answer all of my questions.”

What would you tell a friend or colleague about your experience?

“That representative was very helpful and gave good information.”

-Virginia, TX 1/10/19



“Richard guided me through the process of choosing the right policy for my husband and I. He was able to show different policies with the cost. He was polite and professional. The most useful process was the ability to video conference the meeting. I was able to schedule the meeting at a time that was convenient for my husband and I. It makes the process of researching long-term care easy. They ask what you are looking for and research it. They make a list of companies that you qualify for.”

-Dana, TN 1/5/19



“Millie is extremely helpful. (She) was very informative in explaining the different plans. Millie is very knowledgeable and helpful in helping us choose the right plan that fits our needs.”

-Patricia, MS 12/31/18



“Rob Chase was exceptionally knowledgeable, friendly and attentive. He answered all my questions thoroughly and wasn’t aggressively pushing me to make a decision. I was provided with options for pricing and coverage, and given time to consider before making a decision. ”

What would you tell a friend or colleague about your experience?

“I would tell them that buying insurance isn’t as difficult as it may appear, that having the right person to explain options and the details of what coverage entails can give them peace of mind, and that it’s important to have confidence in the company they are dealing with.”

-Betsy, LA 12/21/18



“Convenient environment at home around work hours. Bill explained the process, knowledgeable, individualized policy, ensured my understanding and allowed time for questions and or concerns.”

What did you find most useful about this process?

“Educational, affordable, and the accessible technology.”

What would you tell a friend or colleague about your experience?

“Long term care is worth exploring and planning.”

-Cynette, FL 12/17/18



“Bill did a thorough job of explaining the plans available and paced the presentation well.”

What did you find most useful about this process?

“The fact that we were able to view the presentation in our environment (home) remotely. The process was split up giving the time to think and discuss with spouse before moving onto the next step.”

What would you tell a friend or colleague about your experience?

“You need to talk to Bill Holland before you purchase LTC insurance.”

-Chris, CA 12/17/18



“Millie was wonderful to work with. She was prompt in her responses and made sure we had all of the information we needed. She’s very knowledgeable. Millie put us at ease and helped us to feel comfortable with our decision.”

What did you find most useful about this process?

“The comfort level Millie’s suggestions provided.”

-Debbie, TN 12/12/18



“Richard did a fantastic job asking us questions to find out what insurance product would be best for us and we were happy to apply for the one he recommended. I didn’t know about the different options, and he found a policy that could help me and my wife. It is really important insurance to get, and Richard explained the different policies and what they included and in less than 30 minutes we were able to fill out an application.”

-Brad, PA 12/7/18



“(Rob was) very helpful and extremely knowledgeable. All good experiences.”

What did you find most useful about this process?

“Comparison of other policies.”

-Stanley, MO 12/7/18



“Richard answered all our questions, and seemed very knowledgeable on the subject. It is worth the call if you are interested in insurance.”

What did you find most useful about this process?

“(It was) convenient in being able to do it over the phone and computer without leaving home.”

-Lynn, TN 12/6/18



“(Rich) was very knowledgeable, helpful, and nice! It was easy to find out the best policy for my needs.”

-Elizabeth, MO 12/6/18



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“Data was provided along with discussion. Shared various options and then cost points. Richard is highly skilled and offered many options to meet my needs.”

-Dave, WI 11/27/18



“Very thorough, polite, responsive to all our questions, and very patient.”

What did you find most useful about this process?

“The education of long term care insurance, and the knowledge to select a plan that we could live with.”

What would you tell a friend or colleague about your experience?

“Very positive, (I) would only send them to our agent.”

-James, OH 11/27/18



“(Rich) knew his stuff, answered questions well. Easy to work with, knowledgeable, low pressure.”

What did you find most useful about this process?

“Communication on phone while looking at info on computer.”

-Scott, IN 11/16/18



“It was smooth and straight forward. It was easy and there were many choices.”

What did you find most useful about this process?

“The explanation of all of the components.”

-Bill, OH 11/09/18



“He was very clear and thorough. We believe he will be able to secure a policy we are happy with. Very good service.”

-Steve, MO 11/07/18



“Curt has been very thorough, knowledgeable, and patient, as well as personable. Well worth the time.”

-Jim, NM 11/07/18



“Mr. Gilmore is very knowledgeable with LTC and answered every question or concern that we had. I have already recommended Mr. Gilmore to friends.”

What did you find most useful about this process?

“The different plans along with different scenarios that were presented to my husband and I.”

-Nancy, GA 11/06/18



“Very professional, built trust, answered all my questions thoroughly. Was not pushy – set up a time that suited me. Allowed me to read info first by email. Thought it was the best way to get best company for best price without pressure.”

-Ruth, KY 11/01/18



“Timely, professional, knowledgeable and easy to talk with. Helpful, easy, able to meet via phone around our schedule and the web aspect made everything easy to see and understand.”

-Jerry & Barbara, LA 10/31/18



“Millie was very professional and personable and patient. I learned a lot about long term care.”

-Glenda, MN 10/31/18



“Dan was very detailed and thorough and answered all our questions.”

What would you tell a friend or colleague about your experience?

“That they can be confident about getting the information they need to make an informed decision.”

-William, LA 10/30/18



“Very professional and flexible with appointment. Agent was able to answer our questions.”

-Randy, LA 10/29/18



“Sarae is very knowledgeable about this product and is very pleasant to talk to.”

What did you find most useful about this process?

“Putting the different levels in a side-by-side format.”

-Duff, TX 10/26/18



“Dan was thorough and patient in answering all of my questions. Informative and non-pushy, helpful, friendly.”

-Lisa, HI 10/25/18



“Sarae has been very helpful and friendly. She knows the product and can explain options very well. It is a straight forward process.”

What did you find most useful about this process?

“Sarae being able to share screens with me as we walked through the process.”

-Mike, TX 10/24/18



“She was very efficient and helpful. Great company to work with.”

-Leon, GA 10/24/18



“Tom is very easy to understand. He is patient with my questions and doesn’t mind explaining things when I have additional questions. No pressure to purchase… very informative.”

What did you find most useful about this process?

“Having the webinar and being able to spend the time asking questions.”

-Priscilla, OK 10/22/18



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“Thorough explanation of things I do not understand or needs clarification. Preliminary review of the questions that gives me the time to read and understand.”

What would you tell a friend or colleague about your experience?

“1. Process of applying is well explained and easy to navigate (through the) internet.
2. Patience of the counselor.
3. The assurance of counselor availability for clarification or seeking answers to whatever comes to mind related to the application and thereafter.
4. The counselor makes me feel at ease and be at peace in trusting her in the process.”

-Crispina, IL 10/10/18



“Millie was always well prepared and focused on what was important to me.”

What would you tell a friend or colleague about your experience?

“That it’s worth looking at the options and deciding if it’s right for you, and Millie will do a good job to understand what’s important to you.”

-Mary, MN 10/8/18



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“Very informative presentation.”

What would you tell a friend or colleague about your experience?

“Easy and concise.”

-William, LA 10/8/18



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“(Dan had) patience with my crazy schedule. (He) explained things appropriately for my level of knowledge. Nice to work with. He answered every question I asked.”

-Stacie, TX 10/7/18



“Rob was very knowledgeable and easy to relate to. He answered all our questions and was very patient in addressing all our concerns. The visual interaction that Rob used was very helpful in getting us to understand all the nuances of the LTC coverage. (He) was great to work with, didn’t rush our decision, and the online tools he used were very helpful. His follow-up was timely but he wasn’t pushy at all!”

-Paul, OH 10/3/18



“Curt Horowitz was patient with all of my questions, he was very knowledgeable, professional, guided me through the LTC process which I had NO understanding of before our conversation. (I) would recommend him to all persons who are seeking LTC insurance coverage! He put my fears to rest! Thank you Curt!”

-Christine, OR 9/29/18



“Rich was knowledgeable, thorough, and made us feel he truly cared about us being served.”

What did you find most useful about this process?

“Handling all of our questions and meeting our needs.”

What would you tell a friend or colleague about your experience?

“Get the answers in a quick efficient process.”

-Michael, GA 9/29/18



“Rob Chase was very professional and knowledgeable. (I) learned much more about LTC than I previously had. While we made the decision not to purchase LTC, Rob’s guidance and integrity through the process were first rate. We made the decision to self-insure, but had we decided to purchase LTC it would have been through Rob.”

-Jeff, SC 9/23/18



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“(I) felt like she provided me with all the information I needed to make a good decision.”

-Patricia, OH 9/22/18



“(Bill was) very helpful and knowledgeable. I was very happy.”

What did you find most useful about this process?

“The information on cost, what is covered and what I need to do.”

-Elizabeth, PA 9/21/18



“Jerry provided answers to all of our questions and in selecting a policy to meet our needs. He did so without being “pushy” like so many others do. We appreciate his level of professionalism and attention to details.”

What would you tell a friend or colleague about your experience?

“I’d tell them that Jerry treats you like a friend vs a customer and will provide you with guidance in selecting a policy that meets your needs.”

-Randy, AZ 09/08/18



“Bill knew all the answers to the questions I had. He did not push me to buy, I appreciate that. Bill is a good representative of your company. As a previous sales person I know an eagle from a duck!”

What did you find most useful about this process?

“Working together on the internet was helpful.”

-Jan, TN 09/07/18



“Riley St. Clair is thorough, personable and knowledgeable. He helped us through the process of getting the product we needed. We started with Zander, who referred us to Riley St. Clair. He was very helpful.”

-Cheryl, IL 09/06/18



“(Dan) was very helpful… answered my questions and explained everything.”

-Cathy, IL 09/06/18



“Rich Horowitz is a very patient and professional Consumer Specialist. I never felt pressured to purchase any policy during the process of applying for Long Term Care Insurance. I was able to ask numerous questions about LTC until my husband and I felt comfortable with our decision. Rich was so patient with us. After my husband and I signed off on the application and sent our check in we had no remorse. It takes a highly trained and educated Specialist like Rich Horowitz to make a consumer that at ease.”

-Nanette, GA 09/04/18



“He explained things well, and was very patient with us. No pressure, which I really appreciated. We had a good experience with this company, which was recommended by Zander Insurance, which is recommended by Dave Ramsey.”

What did you find most useful about this process?

“Understanding what is entailed in LTC insurance.”

-Cathie, TX 09/04/18



“Rob Chase was very informative and helpful, providing information and teaching us about LTC policies. We were able to compare policies and select the best one for our needs.”

What did you find most useful about this process?

“Ability to compare policies with an industry expert.”

-Sara, TX 08/27/18

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“Millie’s expediency – right on it – her clarity, and her knowledge of what was needed, was priceless. She got the right company for the right price and (helped us) fill out the application with her explanations.”

What did you find most useful about this process?

“The fact that she answered me RIGHT AWAY when I filled out a deal with Zander Insurance.”

What would you tell a friend or colleague about your experience?

“DO IT – if you don’t have long term care insurance, get it – and get Millie! I had total trust in what she was telling me – VERY professional and friendly.”

-Elizabeth, KS 08/24/18



“Rob was very helpful and explained all our options clearly. Not pushy, clear explanations, timely emails.”

-Melissa, VA 08/21/18



“The process was efficient and smooth. Richard was professional, concise and friendly. It seems to be a well-organized and efficient way to begin the process. Our experience so far has been excellent, and I would be inclined to recommend Zander.”

-Richard, SC 08/16/18



For what reason did you give a 10 out of 10 for your overall satisfaction?

“Good explanation of the insurance offer.”

What would you tell a friend or colleague about your experience?

“Knowledgeable, friendly, and professional.”

-William, NC 08/11/18



“Rich was thorough in his preparation and answers to my questions. He was easy to talk to and not ‘pushy’. LTC was available at a reasonable cost even for someone of my age – 68. It was easier and less expensive than I had anticipated.”

-Jef, FL 08/10/18



“Excellent communication, follow up, and step by step instructions.”

What did you find most useful about this process?

“Learning the differences in coverage and prices of the policies.”

What would you tell a friend or colleague about your experience?

“How thorough and helpful Rob was throughout the process.”

-Chris, VA 08/10/18



“(Riley) helped to explain all aspects of the application process. (He knew) the pros and cons.”

-Ron, IL 08/07/18



“Richard’s explanation of the policy was very clear and concise. (He) was very patient and explained the process clearly.”

-Leslie, KS 08/04/18



“I felt listened to and I felt that the LTC Consumer Specialist was knowledgeable. It was not as stressful as it could have otherwise been.”

-Nancy, KY 08/02/18



“Rob is knowledgeable, made sure we understood everything, and answered all of our questions. His approach is professional and non-threatening.”

What did you find most useful about this process?

“Being able to see each other on our computers and being able to see what was on his screen as he entered information was very helpful.”

-Sharna, TX 07/24/18



“Millie did all of the research and evaluation of each insurance company for us. This took the burden off of us!”

What would you tell a friend or colleague about your experience?

“The Zander specialists know what each company provides and costs. This helps us to see how it will fit into our budget.”

-Stanley, VA 7/10/18



What did you find most useful about this process?

“Access to visualize information being discussed. Willingness and ease of response to questions.”

What would you tell a friend or colleague about your experience?

“No pressure, complete knowledge, and understanding of product and options.”

-Janet, CA 7/10/18



“It was a pleasure working with Rob Chase. He is highly skilled and helped us find the right coverage based on our specific needs. He explained LTC insurance and presented us with several options / scenarios to consider.”

What did you find most useful about this process?

“The use of the online sessions and the LTC education received. Our knowledge was greatly increased which led us to our decision.”

What would you tell a friend or colleague about your experience?

“That LTC Consumer was recommended by Dave Ramsey. Would also tell a friend about the high level of professionalism which we experienced.”

-Neal, SC 7/9/18



“Exceptional knowledge and customer service. Simple, informative, and understandable.”

What did you find most useful about this process?

“Online communication, and the representative’s willingness to work around our schedule.”

-Del, GA 7/8/18



“Very satisfied! The place to go to for information and good choices. Information presented in an easy and logical manner. (Curt’s) personality came across on the phone as patient and precise, helping sort through the many options best suited to my needs.”

-Lorlyn, KS 7/2/18



“Dan was VERY patient with me and all my questions. He was also available to meet in the evenings after my work day. (He) made it easy to understand, presented various scenarios and options.”

What did you find most useful about this process?

“Well, I learned about 200% more than I already knew about LTC, so that was a plus.”

-Patricia, WA 6/27/18



“Friendly and timely service. Educated in area of expertise and presented well. Dan provided data to back up our need for the product. Very professional in delivery and genuine concern for our needs.”

-Randy, PA 6/27/18



“Tom was very responsive, organized and on-time for our scheduled meetings. The experience, so far for the review of options, pricing and completing the application was very smooth.”

What did you find most useful about this process?

“The Power Point Presentation outlining options, explaining each.”

-Kim & JoAnn, NC 6/25/18



“Tom is a knowledgeable, honest educator who is not a high pressure sales person. Not pushy, and I learned more about the affordability of long term care insurance.”

-Bernard, NJ 6/18/18



“Curt was knowledgeable and helpful.”

How would you rate your satisfaction with the level of education on Long Term Care Insurance provided throughout the LTC Consumer Specialist’s process?

“10 of 10.”

-Patrese, UT 6/5/18



“High level of attention to detail.”

What would you tell a friend or colleague about your experience?

“It was better, much better, than expected.”

-Jerry, NC 6/5/118



“Very thorough. Explained all options in detail. Very patient.”

-Karl, FL 6/5/18



“Mille was very helpful. It was easy and informative.”

What did you find most useful about this process?

“Painless process.”

-Diane, TN 6/5/18



For what reason did you give a score of 10 of 10 for your overall satisfaction?

“(Curt) knew how to explain and clarify.”

What would you tell a friend or colleague about this experience?

“If they want a non-intimidating approach, consider this.”

-Larry, UT 5/31/18



What did you find most useful about this process?

“Tom’s explanation of what to expect during the process.”

What would you tell a friend or colleague about your experience?

“Tom’s detailed explanations and guidance through the process.”

-James, WI 5/30/18



For what reason did you give a score of 10 of 10 for your overall satisfaction?

“Very knowledgeable, very thorough.”

What would you tell a friend or colleague about your experience?

“Easy to understand.”

-Mike, AZ 5/20/18



“My representative was accessible and informative every step of the way. I did not think I’d be able to get this type of insurance due to difficulties I had when I tried applying on my own.”

What did you find most useful about this process?

“That I had a live representative to ask questions of.”

What would you tell a friend or colleague about your experience?

“It was easy and my representative was a great resource.”

-Patricia, DC 5/16/18



“Gary’s company that he represents, Zander, is recommended by Dave Ramsey. So if Dave Ramsey recommends it over many other companies, I would too.

It was a non-pressure experience. He was professional and prompt, answered all our questions with knowledge and patience.”

-Ramona, NC 5/11/18



For what reason did you give a score of 10 of 10 for your overall satisfaction?

“Rob’s expertise in the long term care insurance area, his communication skills, and his personality all contributed to a smooth process. The experience proceeded very smoothly and at my pace.”

-James, OH 5/9/18



“Richard explained everything in detail and answered all my questions. I was able to compare policies and their benefits. I learned a lot about my options in long term care insurance and some of the providers.”

-Ellen, VA 5/8/18



“(Rich) was prompt with his telephone call, answered all of my questions, and provided additional information for our circumstances. Information was readily available on screen and (Rich) was very respectful of our time. The process was efficient, educational, and simple to file an application.”

-Mel, GA 5/7/18



“Great experience and made it simple for us to make a decision whether or not to go ahead with the application process. We knew basically nothing about LTC and everything was explained in detail and follow up calls were made to go over any further questions we had. (Tom was) knowledgeable, prompt, kind. He explained everything to our satisfaction.”

-Stuart, AR 5/5/18



“(Richard) was very helpful in answering all our questions and not pushy! Good important information, great customer service.”

What did you find most useful about this process?

“Talking to Richard and going through the information in front of us on the computer. Very user friendly.”

-Vincent, WI 5/1/18



“Jerry is very knowledgeable. He was patient and thorough in making sure we understood the process.”

What did you find most useful about this process?

“Jerry’s availability to have our meetings at times most convenient for us.”

How would you rate your satisfaction with the level of education on Long Term Care Insurance provided throughout the LTC Consumer Specialist’s process?

“Extremely Satisfied – 10, the first step was educating us about the process.”

-Elizabeth, TX 4/30/18



For what reason did you give a score of 10 of 10 for your overall satisfaction?

“Rob Chase was very helpful, kind and patient with us.”

What did you find most useful about his process?

“Accurate info was provided in a timely manner.”

What would you tell a friend or colleague about your experience?

“It fit nicely in our Dave Ramsey plan and our agent was very familiar with Dave Ramsey’s plan.”

-Mike & Carolyn, NC 4/24/18



For what reason did you give a score of 10 of 10 for your overall satisfaction?

“Richard did a great job of explaining the different plans and guiding us through the process.”

What did you find most useful about this process?

“It was quick and easy.”

What would you tell a friend or colleague about your experience?

“The experience was informative, quick and easy.”

-Kimberly, AL 4/21/18



What would you tell a friend or colleague about your experience?

“Very professional, Cathy really knows her stuff!!”

-Rick, MN 4/20/18



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“Excellent review of options, considerations, and how LTC might help us for our long term needs given our specific life situation.”

What did you find most useful about this process?

“Dealing with someone who could explain all the various options and pros and cons of each, plus insights into the Federal Program, which we were also considering.”

What would you tell a friend or colleague about your experience?

“Excellent experience. My wife was initially skeptical about the need for LTC insurance, but came to realize it was a very good value for the cost and we did decide to apply.”

-Robert, GA 4/17/18



“Dan was very thorough and extremely patient when answering our questions and concerns.”

-Dan, CT 4/10/18



“(Rob) followed up with me even when I changed addresses due to my retirement. Rob was very helpful and walked me through the process.”

-Gene, KY 4/5/18



“(Dan) was personable and answered our questions.”

What did you find most useful about this process?

“Being able to conference from home and sign the paperwork digitally.”

Dan & Kim, OR 4/5/18



“Richard was very knowledgeable and pleasant when explaining LTC to me. It was very informative, expeditious in comparing rates and the filing of the required paperwork was easy.”

What did you find most useful about this process?

“Being able to link to Richard’s screen during the process.”

-Russell, NE 4/3/18



“Tom was very detailed in his explanation and offered good, sound advice regarding the nurse interview. There was no pressure to buy, just as he said there would be no pressure.”

What did you find most useful about his process?

“The thoroughness of the presentation and application process.”

-CB, GA 3/29/18



“Helpful with all questions and very patient with our decision making. Questions were answered in a timely manner and no sales pressure.”

What did you find most useful about this process?

“Learning about the value and limitations of long term care.”

-Jim, KS 3/29/18



For what reason did you give a score of 10 out of 10 for your overall satisfaction?

“Knowledge, sincerity.”

What did you find most useful about this process?

“Ease of use.”

What would you tell a friend or colleague about your experience?

“Accurate information, not pushy.”

-Rose, IL 3/27/18



“Tom has been very easy to work with and very informative. I learned how intricate the long term care insurance process is. (Potential buyers) need to have this type of insurance explained to them before buying.”

-David, MI 3/23/18



“I thought he did a great job of explaining and asking if I had questions. I felt he was very knowledgeable. I learned options that are available.”

-Perry, TN 3/21/18



“He was patient, understood our concerns about dealing with someone we did not know, and giving our personal information out over the internet. Our experience was very good.”

-Cheri, IL 3/21/18



“She was very thorough and patiently answered all of our questions. Also, explained all the different options I asked about. I was confident that Millie was able to find the best LTC available for our situation.”

-John, NJ 3/20/18



“Tom was prompt in all communications, and thorough in explaining not only the process, but also product options. We were not ‘pushed’ toward any product, we were given materials to make decisions we were seeking.”

-Richard, MO 3/20/18



“He was patient as I had to reschedule our calls several times before the application process. Our representative was knowledgeable and explained in detail the different plan options. I really like being able to see the application and questions online as we went through the application process. ”

-Beth, TN 3/16/18



For what reason did you give a score of 10 for your overall satisfaction?

“Communicative without pressure.”

What did you find most useful about this process?

“Detailed, patient explanation of posed questions.”

What would you tell a friend or colleague about your experience?

“There is so much misinformation about LTC insurance and its cost, that it may be worth your time to simply investigate the process.”

-Larry, IN 03/14/18



For what reason did you give a score of 10 for your overall satisfaction?

“Millie was patient and very thorough in explaining and covering everything with me to help me make a decision about the plan I needed to choose. It was non-pressure, lots of information and time to think things over so that a decision could be made comfortably.”

-Teresa, GA 03/13/18



“Dan is very professional, friendly, and informative.”

-Robert, TX 03/09/18



What did you find most useful about this process?

“Agent is easy to talk to, knows the information needed, and was readily available.”

What would you tell a friend or colleague about your experience?

“The agent knows the material very well and was exceptionally helpful and quick to respond.”

-Jeffrey, UT 03/05/18



“Curt was knowledgeable about the products available and walked me through the various scenarios and costs. He made the information clear and concise. I did not feel in the least bit pressured to buy a particular, or any, product.”

-Randal, WA 03/01/18



“Millie had the heart of a teacher and left me with no questions unanswered. She was very patient and knowledgeable. I started knowing nothing about long term care insurance, and now feel very aware of what it is about. The customer service is like nothing I have previously experienced with any other insurance dealings.”

-Thomas, MN 02/27/18



“Rob was very responsive. He explained things well and patiently answered our questions. He stated his plan for contacting us and followed through as he said he would.”

What did you find most useful about this process?

“Having us and him on the same webpage at the same time by remote.”

-Nancy, NC 02/23/2018



For what reason did you give a score of 10 for your overall satisfaction?

“The seamless step by step process.”

What did you find most useful about this process?

“Being able to look at the information online along with (the) specialist’s explanation.”

What would you tell a friend or colleague about your experience?

“It was an informative process, all questions answered and no pressure.”

-Mary, 02/22/2018



For what reason did you give a score of 10 for your overall satisfaction?

“Prompt response from a knowledgeable agent.”

What did you find most useful about this process?

“Receiving understandable information about an important new subject.”

What would you tell a friend or colleague about your experience?

“Easy, concise, straight forward help.”

-Jerry, MN 02/22/2018



“Riley was very thorough, he explained everything to me in a way I could understand. He helped me see my options and find the best plan for me. He walked me through the application process and was very supportive.”

What did you find most useful about this process?

“(Riley) explained to me important factors about this type of insurance such as factoring in inflation.”

What would you tell a friend or colleague about your experience?

“That it was very positive and productive.”

-Julie, CO 02/12/18



“Bill was patient with me in a process I was somehow afraid to complete. Bill made me feel at ease, no pressured. He was helpful throughout the process. I learned I had alternatives, and was instructed about my end of the deal and the benefits accrued.”

What would you tell a friend or colleague about your experience?

“These are responsible and helpful people who can orient you regarding this stage of life.”

-Louis, NY 02/12/18



“Curt is a very professional insurance broker. We never felt pressured to buy any of the policies that he represents. Yet, Curt was very knowledgeable of the various nuances and pitfalls that every policy carries inherently.”

What did you find most useful about this process?

“Discerning that there is not a ‘one size fits all policy'”

What would you tell a friend or colleague about your experience?

“That a LTC policy can be affordable and accessible to them.”

-Fernando, NM 02/08/18



“He did very well at explaining to us the LTC process and helped us to find the best fit for us.”

What did you find most useful about this process?

“The information he provided for us to become more knowledgeable.”

What would you tell them about your experience?

“Very informative and helpful.”

-Lemoyne, NE 02/08/18



“He was interested in finding the best solution to meet my needs, educated me, answered all my questions. I know his job is to get the sale but he never pushed me into anything.

I was given information, had a chance to read it, think about it, come back and ask questions. I felt that any time along the way I could ask for more time and that would have been acceptable.

He’s a nice guy, listened to my questions, was a good teacher. No pressure to do anything, explained things along the way.”

-Theresa, OR 02/07/18



“He was very knowledgeable and helpful and not aggressive.”

What would you tell a friend or colleague about your experience?

“That ours was positive and we didn’t feel pressured.”

-Patricia, PA 01/31/18



“He was prompt with his appointment and emails. He answered all questions. Professional in his manner, but still friendly. He clearly explained the options and the reason for his recommendations.”

What did you find most useful about this process?

“The WebEx presentation, sharing Rob’s screen to be able to see as we were talking it through. Rob was helpful in explaining the differences from state to state and our options in VA.”

What would you tell a friend or colleague about your experience?

“That our contact was knowledgeable and professional.”

-Rebecca, VA 01/28/18



“Prompt, professional, very informative.”

What did you find most useful about this process?

“Various options and choices to make that will tailor fit our needs and financial situation.”

What would you tell a friend or colleague about your experience?

“Very positive interaction. Accessible help.”

-Sanjeev, NC 01/25/18



“(Curt was) quick, polite, confident, knowledgeable.”

What did you find most useful about this process?

“Do(ing the) app with Curt in front of us.”

What would you tell a friend or colleague about your experience?

“Knowledgeable, courteous, professional, assurance of what we are doing.”

-Bill, CO 01/19/18



“Millie was extremely knowledgeable, was technologically advanced, explained everything in great detail and was, overall, very, very helpful.”

What did you find most useful about this process?

“The level of explanation and the availability of the paperwork as it was being completed.”

What would you tell a friend or colleague about your experience?

“How professionally and expeditiously it was handled.”

-David, DE 01/17/18

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“(He was) knowledgeable of all the options involved in LTC. (Rob) took his time to provide all the information we needed to make a wise purchase. He helped us to acquire the best policy for my family.”

-Hilbert, KY 01/16/18

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“(Rob) answered questions and I never felt pressured to make a decision. Easy to work with and consistent follow-up.”

-L. Robert, LA 01/15/18

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“Richard was easy to work with and very knowledgeable. He was a great help explaining the many options, which made it easy to choose a plan that worked for us. (He) helped (us) understand the many long term care options and feel confident choosing a plan.”

What did you find most useful about this process?

“The interactive program that instantly recalculated the plan made it easy to compare options and prioritize costs.”

-Peter, MD 01/12/18

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“Tom was very knowledgeable and worked with our schedule to find a plan we liked. (He) provided several options and the costs for care, plus the information to know what to expect with inflation. It was clear and we felt Tom was trying to find the best plan for us.”

-Mark, NC 12/28/17

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“To get insurance I mainly just want a reasonably priced plan with an easy sigh-up process. I got both. It’s painless and affordable.”

-Dean, CA 12/21/2017

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“Rob kept us informed on everything all through the process. He always responded promptly if we had to contact him, and he’s easy to communicate with. The way Rob always explained things made it easy for us to understand. Choose Rob to work with – he’s the BEST!”

-Michele, CA 12/20/2017

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“Very professional, with a high level of expertise. Willing to explain all provisions of the policy. It was an enjoyable, low-pressure experience.”

-William, MA 12/19/2017

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“Rob Chase was extremely professional, prompt and kind. (He) guided us through each step with knowledge and professionalism, keeping us updated, and each step happened as he told us it would. No surprises.”

-Sheba, TX 12/11/2017



“He seemed very knowledgeable, and explained things well. A quick education leading to a good policy. It was thorough, informative, and quick.”

-Deborah, IA 12/04/2017



“Very knowledgeable, provided several options/variations/price tiers. Bill has been proactive, yet not push, throughout – a must for busy folks and procrastinators! My rep was well informed about the industry and his offerings, he was patient with me and helpful.”

-Holly, KY 12/03/2017

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“Knowledgeable, courteous, and efficient. He calls when he says he will, and answers questions that I had thoroughly. No pressure and easy to talk to.”

-Danny, NC 11/22/17



“He did a very good job explaining the whole process to me and even answered all my questions. The people are very patient in explaining and answering your questions. Plus helping you get the best possible deal for your situation.”

What did you find most useful about this process?

“Everything, since I didn’t have a clue about any of it.”

-Deborah, IL 11/21/17

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“They communicate, kept us informed.”

What would you tell a friend or colleague about your experience?

“(This is) something they need.”

-William, TN 11/18/17

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For what reason did you give a score of 9 of 10 for your overall satisfaction?

“Knowledgeable about product and guidance to understanding product. Able to answer all questions.”

What did you find most useful about this process?

“Able to communicate directly online and view policy details, and quick process of making application.”

What would you tell a friend or colleague about your experience?

“Professional, prompt, knowledgeable, considerate, but not pushy or misleading.”

-Kent, IL 11/18/17

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“Curt Horowitz, our LTC Consumer Specialist, answered all of our questions, explained the various LTC options, offered excellent examples related to how the proposed policy would work,and otherwise provided us sufficient information to move forward with an application.”

-Bruce, WA 11/17/17



This was handled in a timely manner and Bill was very helpful. (He) was very knowledgeable (and) prompt about long term care.

-Donna, MD 11/16/17

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Richard is knowledgeable on LTC. He informed me of all my options. I was able to see all the options available to me. Also it was helpful to work with an affordable premium. It was easy making a decision that I am comfortable with.

-Wilma, NY 11/16/17



Answered all questions truthfully, explained all aspects of the policy to us in a way that we could understand. Very happy with the way she talked to us, in a way not that of a sales person, but more like a person with us in mind. The whole process was very useful to me. From the start to the finish all was very interesting. I walked away with lots of knowledge about something I knew very little about.

-Dennis, WI 11/13/17

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Curt was very helpful with explaining LTC insurance, the details, different options, the process of application, and answered all of our questions. Curt was very knowledgeable about LTC insurance and explained it well. We had a great experience and would highly recommend.

-Terry & Valerie, WY 11/10/17

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For what reason did you give a score of 10 for your overall satisfaction?

“He explained things well.”

What did you find most useful about this process?

“Easy to use.”

-Robert, KS 11/08/17



Was very informative and easy to understand. Made process very easy. Very knowledgeable, low pressure.

What did you find most useful about this process?

“Explanation of coverage and premium options.”

-Jim, NM 11/03/17



Excellent support during the entire process. This guy knows what he is talking about.

What did you find most useful about this process?

“The completion of the application online together.”

-Alan, FL 11/03/17



He was very familiar with the product. He was also polite, and explained things and made sure I understood. The agent made me feel comfortable and educated me on the product.

-Sandy, VA 11/03/17



Specialist was friendly, knowledgeable and polite. I had all my questions about LTC insurance answered.

-Edward, GA 11/03/17

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For what reason did you give this score of 10 for your overall satisfaction?

“(The LTC Consumer agent) let me evaluate options at my own pace – it took about 2 months of interactions, over maybe a dozen or so phone and email exchanges.”

What did you find most useful about this process?

“Comparison pricing of options, and agent’s knowledge of the current insurance industry practices/trends/products on this class of insurance (LTC).”

-Larry, MD 10/30/17

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“Rich provided detailed information about the variety of LTC policies and providers. He gave me the information I needed to make an informed decision. I appreciated the explanations of the various options for LTC coverage so that I could make a decision that works best for me in my situation and with my preferences.”

-Vicky, FL 10/20/17



“Superior, timely and understandable customer support. Professional yet very personable. Every step and option was presented in a very patient and clearly understandable manner.”

What would you tell a friend or colleague about your experience?

“Not to be afraid of the detail in deciding on a plan or to ask questions. I was quickly put at ease working with Curt. It was a pain free and educational experience.”

-David & Kelly, UT 10/16/17

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“First, I was very impressed with the same day response I received from Rob Chase to my initial request for information regarding LTC. Rob took time to listen and understand my long term health care goals. Rob was very knowledgeable and answered all my questions. He also recommended a good strategy for helping me reach my goals. It was enjoyable and I didn’t feel like I was pressured to buy something I didn’t need.”

-Margaret, OK 10/16/17

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“Very knowledgeable and helpful, comfortable explanations, great.”

-Michael, NV 10/11/17

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For what reason did you give a score of 10 for your overall satisfaction?

“Communicated well, responded and explained as we went along in the process.”

What did you find most useful about this process?

“Explanation of the process.”

What would you tell a friend or colleague about your experience?

“Our agent made it as easy as possible through the application to acceptance and issuing of the policy.”

-Susan, TX 10/11/17

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“Riley was helpful in explaining LTCI to me and answering many questions I had. He also recommended what to get and was flexible in working with me to modify the monthly amount to best fit my budget. Riley was quick to answer my many questions via email after our initial phone call. I would tell (a friend or colleague) that Riley was knowledgeable and available if they were interested in LTCI.”

-Laurie, CA 10/09/17

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For what reasons did you give a score of 10 for your overall satisfaction?

“Very good at answering questions. Detailed and never demeaning. A good listener.”

What did you find most useful about this process?

“Very nice to do it all online.”

What would you tell a friend or colleague about your experience?

“She was not pushy, impatient. No pressure. Let us ask many questions and never seemed frustrated.”

-Karen, MI 10/07/17

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For what reason did you give a score of 10 for your overall satisfaction?

“She is knowledgeable and she answered any questions before we asked.”

“Rose had everything lined out before the call.”

What would you tell a friend or colleague about your experience?

“That it was efficient and easy.”

-Chris, NV 10/06/17

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“Dan was very pleasant, knowledgeable with no pressure.”

What did you find most useful about this process?

“What LTC would cover as well as length of time it could be used.”

What would you tell a friend or colleague about your experience?

“Easy, educational, not time consuming, sensible.”

-David, TX 10/03/17

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“Very helpful, courteous, informative, explained things thoroughly. Able to complete the process from home at scheduled times. We were able to complete the process from home in a reasonable amount of time.”

-Mary, KY 10/03/17

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For what reason did you give a score of 10 for your overall satisfaction?

“He took the time and extra effort to get my application ready”

What did you find most useful about this process?

“Ability to compare and contrast the different coverages”

What would you tell a friend or colleague about your experience?

“Consultants are helpful, friendly, and know their business”

-Douglas, DE 10/02/17

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For what reason did you give a score of 10 for your overall satisfaction?

“Very professional and informative”

What did you find most useful about this process?

“Millie’s explanation of types of benefits”

What would you tell a friend or colleague about your experience?

“It was easy, she explained everything, and there is no high pressure sales”

-Michael, OK 10/02/17

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“Gary is very easy to do business with. We appreciated that Gary not only offered options but also provided a recommendation.”

-Hannah, FL 09/30/17

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“Overall knowledge was excellent, very professional. Cathy was very versed and could answer questions which saves time. Quick and easy experience and learned about the LTC options.”

-David, TX 09/26/17

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“Very responsive to questions, knowledgeable about the product, prompt returning calls and email. Millie provided options, explained the impact of choices available for the product and provided an environment that gave me confidence that I made a quality choice for my circumstances. Millie will provide you with quality information and quality options regarding your insurance needs.”

-Karen, FL 09/22/17

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“The professionalism was outstanding and the process was very organized and proficient.”

What did you find most useful about this process?

“Breaking down the options, the attention to detail of my needs versus a general approach.”

What would you tell a friend or colleague about your experience?

“How easy and professional the process was.”

-Daniel, TX 09/20/17

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For what reason(s) did you give a score of 10 for your overall satisfaction?

“Competence and patience”

What did you find most useful about this process?

“Not only the need, but the rationale for the need of LTC”

What would you tell a friend or colleague about your experience?

“No pressure, clear explanation, great patience”

-Roy, TN 09/19/17

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“Rob explained everything so we could understand it with no questions. It was just what we were looking for and the price was not as expensive as we thought it might be. My wife was satisfied with the service and she is a hard sell.”

-David, KY 09/18/17



“Excellent follow-up, informative, transparent, professional.”

-Jimmy, TX 9/11/17

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“Richard is professional, knowledgeable, personable and took the time to explain the policy choices in great detail. I feel like Richard had my best interest in mind as we discussed and tailored a policy best suited for me.”

What did you find most useful about this process?
“Knowing that I have applied for a policy that will be affordable and will help supplement my needs if it becomes necessary in the years ahead.”

What would ou tell a friend or colleague about your experience?
“Richard provided his personal knowledge along with outside resources to help me gain an overall understanding of LTC the policy choices to fit my needs and the satisfaction in knowing that I feel I have made the best choice in selecting a policy.”

-Cynthia, SC 9/9/17

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For what reason did you give a score of 10 of 10 for your overall satisfaction?
“Very helpful and knowledgeable.”

What did you find most useful about this process?
“He knew which company to choose from for our needs”

What would you tell a friend or colleague about your experience?
“They take the time to explain everything you need to know.”

-Carl, IA 9/7/17

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“Dan was very friendly and helpful, answering any questions we had to our satisfaction.”

What did you find most useful about this process?
“Finding out what LTC was all about and being able to compare different premiums options. Being able to go over th einfo and having time to discuss it with my husband and daughter between the first phone call and the final call.”

What would you tell a friend or colleague about your experience?
“It was a good, comfortable and positive experience.”

-Syd, WA 9/3/17

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“Rob is very knowledgeable (about) LTC insurance. Very helpful in answering all questions and concerns. Very professional, respectful and courteous in explaining LTC. Overall easy process to complete. Rob makes you feel comfortable and explains the different aspects of the process on LTC.”

-Bruce, NC 8/31/17

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For what reason did you give for a score of 10 of 10 for your overall satisfaction?
“Answered every question and was not pushy about what we were trying to do.”

What did you find most useful about this process?
“We were able to do the paperwork online.”

What would you tell a friend or colleague about your experience?
“It was a lot better than we expected. Most sales people are very pushy, but Rob was nice and polite.”

-David, KY 8/23/17

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“Rose explained everything extremely well so we were able to understand the coverages and the process. She was able to answer all our questions.”

What did you find most useful abou this process?
“Being able to interact with a knowledgeable person to guide us through the process.”

-Donald, GA 8/22/17

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For what reason did you give a score of 10 of 10 for your overall satisfaction?
“Riley’s courteous, patient and professional service.”

What did you find most useful about this process?
“Efficiency in communicating the information.”

What would you tell a friend or colleague about your experience?
“Customer friendly and timely service”

-William, TX 8/19/17

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“Specialist was very knowledgeable and helpful in helping us decide on LTC needs. ”

What did you find most useful about this process?
“All the information provided and ease of working with the specialist online.”

-Ken, VA 8/17/17

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“She has the heart of a teacher; she explained everything, and I was left understanding each step of the long term care process.”

-Beth, VA 8/23/17

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“Richard worked with our needs and budget finding us the most cost-effective plan available. The online application process was most helpful.”

What would you tell a friend or colleague about your experience?
“That it was very informative and helped us decide on whether (LTC) was right for us.”

-Ryan, FL 8/12/17

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For what reason did you give a score of 10 of 10 for your overall satisfaction?
“Prompt, courteous, extremely knowledgeable and a pleasure to work with.”

What did you find most useful abou this process?
“Our questions were answered thoroughly and extra information and quotes were provided promptly when requested.”

What would you tell a friend or colleague about your experience?
“I have referred two people to Rose Clayton because of how helful she was to us.”

-Denita, TN 8/12/17

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“Things were explained very well. The representative seemed to be sincere about giving me the services that I needed and not trying to up-sell items. Strangely enough, I liked that I could complete the process via the phone and computer.”

What would you tell a friend or colleague about your experience?
“That the company was professional and knowledgeable.”

-Shirley, MI 8/11/17

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“Clear, concise, and professional in every respect!”

What did you find most useful about this process?
“Seeing information on computer as we talked.”

What would you tell them about your experience?
“Excellent education, ease of entire process, and confidence in getting a good value.”

-Gregory, OH 8/7/17

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“Very informative, very polite and understanding. Curt helpful with questions, and always timely. Not a sales pitch given. Very informative and non pressured to purchase or apply.”

-Ricky, KY 7/27/17

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“Very informative, professional, courteous. He patiently answered all our questions, and didn’t push us with hard-sell tactics. A very polite young man. The level of knowledge and information that was provided to us – we knew nothing about LTC going in, but felt very comfortable with the decision making after several question and answer sessions. Great product and great customer service. Easy to apply.”

-Glen, CA 7/18/17

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“Dan was informative, knowledgeable, patient, and kind. Explained several options according to our needs. (He) was not pushy and was very knowledgeable.”

-Maryjo, CA 7/17/17



“Rob Chase was terrific. Answered all my questions and prepared me for the whole process. (He) is very easy to understand and will answer any and all questions.”

-Mary, OH 7/14/17



“Riley was extremely professional. He was able to answer all of my questions. He is very easy to converse with. He truly goes above and beyond.”

What did you find most useful about this process?

“The wealth of information Riley was able to convey to me.”

What would you tell a friend or colleague about your experience?

“Professional, knowledgeable, prompt and efficient.”

-Paulette, CA 7/13/17

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For what reason did you give the score 10 of 10 for your overall satisfaction?

“Professional, friendly, informative.”

What did you find most useful about this process?

“The explanation of the options.”

What would you tell a friend or colleague about your experience?

“It was informational and easy to apply.”

-Doris, TX 7/7/17



“Richard was very professional. He was not pushy. He took every consideration to make me feel comfortable while answering questions and gaining the information that I needed. I feel secure in knowing that he is trustworthy and honest while helping me through this process. I was happy to see that we could go through the information together online so that the process could be taken care of as soon as possible. Richard Horowitz was very professional, patient when answering questions and made me feel comfortable in the product that I was purchasing.”

-Karol, NC 7/5/17



“Bill was able to answer all my questions, and knew his product well. He was patient when I called a time-out, and ready to serve when I was ready to talk.”

What did you find most useful about this process?

“Peace of mind; one less thing to think about for my future.”

-Judy, OH 6/30/17



“Rob explained the policy and process in a very simple manner to understand. (He) was very patient, we had three phone calls with him explaining the policy and answering all our questions and there was no pressure to buy this insurance.”

-Deanna, IL 6/29/17



“Cathy is knowledgeable, friendly, and accommodating. She was able to answer all of our questions. She worked with us when it was convenient for my husband and I. ”

What did you find most useful about this process?

“Cathy’s flexibility and ability to answer our questions. It took us a little time to absorb the provided information and make a decision.”

What would you tell a friend or colleague about your experience?

“That the information provided was excellent and that Cathy was great to work with.”

-Melinda, CA 6/29/17



“Millie explained the options to include the price points and she helped me to understand the levels of coverage. There was no pressure. Honest and open discussion.”

-Dan, NH 6/27/17



For what reason did you give a score of 10 of 10 for your overall satisfaction?

“Excellent in contact time, excellent in explanation of coverage, excellent in providing documents to make it easy to share information with spouse, excellent follow up to work with our availability. Helpful in every way.”

What did you find most useful about this process?

“Documents that walked us through the process.”

What would you tell a friend or colleague about your experience?

“Easier than you might think and it is worth checking into. Able to make an informed decision.”

-Damon, OH 6/26/17



“Rob took the time to explain our different options very clearly. We felt he was on our side, helping us make the best decision given our situation. The different choices were clearly laid out, and there was no pressure whatsoever to make a quick decision.”

-Frederic, VA 6/21/17



For what reason did you give a score of 10 of 10 for your oversatisfaction?

“Straight forward, honest, knowledgeable.”

What did you find most useful about this process?

“Honesty, respect and professionalism.”

What would you tell a friend or colleague about your experience?

“A straight forward, honest, knowledgeable and trustworthy source for LTC insurance.”

-Ron, OH 6/20/17



“He was polite, patient, and helpful. He answered all of our questons and made sure we understood our options. This was all new to us, and Rich explained each step of the process. Very informative and helpful.”

-Donna, KS 6/19/17



“She was very helpful through the process.”

-Michael, MI 6/17/17



“Millie was very informative, professional and at the same time very friendly. She never rushed me even when I asked questions, many that she had probably already answered, she was very patient.

I loved the webinar where she could show us things and I could ask questions and then she could change things and I could instantly see the results of those changes.

I felt the company was pro consumer and very open and honest about the pros and cons of alternatives, and the webinar aspect and how amazing that was.”

-Mary Jo, KS 6/15/17



For what reason did you give the score 10 of 10 for your overall satisfaction?
“The agent was on time, personable and gave me what I considered honest answers to my questions.”

“Made me think 20 years into the future. The agent was professional and gave me what I considered good information.”

-Jeffrey, AR 6/12/17



For what reason did you give a score of 10 of 10 for your overall satisfaction?
“Honest, patient, answered all questions, polite.”

What would you tell a friend or colleague about your experience?
“Very good and informative. Valuable advice and affordable.”

-Russ, WA 6/12/17



For what reason did you give a score of 10 of 10 for your overall satisfaction?
“Knowlegeable, goes the extra mile, customer oriented.”

-Grace, GA 6/11/17



“We have a very difficult schedule and Millie worked with us and was very patient with us.”

What did you find most usefull about this process?
“Personal assistance and ability to spend time and answer questions.”

-Troy, IA 6/10/17



“Cathy was extremely helpful and knowledgable .”

What did you find most useful about this process?
“The explanation of how long term care insurance works”

What would you tell a friend or colleague about your experience?
“If you are interested in long term care, I would highly recommend Cathy Flanagan.”

-Carol, TX 6/8/17



“Cathy was very patient with us and stepped us through everything, helping us to understand the policy and the process. It was easy to be stepped through the process and all your questions (will) be answered. They will also work with you to find the right policy for your needs and budget.”

-Robert & Laura, OR 6/6/17



“He had a lot of information, was easy to talk to, listened to my scenario and answered questions. He followed through just as planned. He didn’t just push for a sale regardless or make me uncomfortable about it.

(LTC Consumer is) a reliable and trustworthy company.”

-Fran, CA 6/6/17



“Curt was wonderful to talk to – he answered all of our questions in an easy-to-understand way. He explained everything and made us feel comfortable to apply to the best option he found for us. Curt was wonderful and easy to understand.”

-David, AK 06/03/17



For what reason did you give a 10 for your overall satisfaction?

“Friendly, informative, timely.”

What did you find most useful about this process?

“Helpful respresentative, cost comparisons, health information.”

What would you tell friends or colleagues about your experience?

“It was pleasant and quick.”

-Rick, CA 05/22/17



“Cathy showed me all of the possibilities until she found the best plan for me. I was able to study the plan and understand each option.”

What would you tell a friend or colleague about your experience?

“Mostly that they need to get this plan as soon as possible while they are younger, and not to wait until they are older like me.”

-Marirrosa, TX 05/10/17



“I was able to see the information on the computer as he explained it. It was easy and I gained knowledge about not only their product, but what I should know about long term care insurance.”

-Conda, NC 05/10/2017



“Rob answered all our questions at length. He also provided additional information to us to help our decision making. He has a very professional attitude. Rob provided details on pertinent information to us. It was an excellent experience with a true professional who worked without applying any sales pressure. Rob seems to have our interest in mind and not his. Great job Rob!”

-Gary & Nora, LA 05/09/2017



“We had several detailed informative phone calls, online web interaction, and email follow-up. Bill was attentive to my requests and did not try to oversell or go ‘off product’ from our LTC focus. Agent was attuned to me, and price outcome was very reasonable.”

What did you find most useful baout this process?

“Emailed PDF literature, and online interactive quote process.”

-Thomas, PA 05/09/2017



“Dan was very respectful and patient with us. He did a very thorough job of explaining our options and answering all of our questions and concerns.

… it is affordable and Dan accommodated our schedule so nicely to make it convenient for us. He checked on us from time to time to see if we were ready to set up a meeting but we never felt he was being pushy at all. He was very caring and took his time to explain the process with us.”

-Carrie, IN 05/09/2017



“Riley St Clair made the process so easy! From the initial interview all the way through the policy being approved. If you need a LTC policy, call Riley St Clair!”

-Sherry, CO 05/09/2017



“Very knowledgeable and personable, good information to help make an informed decision, ease of technology use, no high pressure, friendly conversation.”

-Wright, GA 05/09/2017



“Extremely satisfied, able to complete (application) at home, very easy.”

-Robert, FL 05/08/2017



What did you find most useful about this process?

“Explanation of variables”

What would you tell them about your experience?

“Very informative but expect phone call to be potentially lengthy.”

-Karen, FL 05/05/2017



“Millie was very professional and courteous. She also did not give up working with my hectic schedule.”

-Harold, GA 05/03/2017



“Helpful and patient, helped us make a decision and move forward, informative and thorough.”

-Peg, IA 05/02/2017



“Agent Gary Marx was very helpful in helping me decide the best policy for me. He explained the different levels of care and how they work. Very honest agent who did not try to sell me more than I needed.”

-Laura, PA 05/02/2017



What did you find most useful about this process?

“Being able to follow on her website.”

What would you tell a friend or colleague about your experience?

“Easy to understand.”

-Guadalupe, TX 04/28/2017



“Gary was excellent at educating and explaining everything without me ever feeling pressured. I was unsure of how he was going to be able to show me everything on my computer while I was sitting at home on my sofa, but it was an awesome way to see everything. It was educational, no pressure, and I could do everything sitting on my sofa!”

-Cheryl, MN 04/18/2017



For what reason did you give a 9 score for your overall satisfaction?

“Good knowledge of products.”

What did you find most useful about this process?

“Suggestion of appropriate level of insurance.”

What would you tell your friend or colleague about your experience?

“Knowledge of products makes process easy.”

-Charles, TX 04/15/17



“Mr. Curt Horowitz was very nice and patient.”

What did you find most useful about this process?

“Explanation of policy and use.”

What would you tell a friend or colleague about your experience?

“You need to check out LTC insurance as soon as you turn 60, or before.”

-Clifton, MS 04/13/2017



“Personable, and understood policy, did not push for something we did not want. Good explanations.”

-Nick, CO 04/12/2017



“Riley really knew the long term care market, was very honest, polite, and was able to give me a true evaluation of the product I had invested in. I would recommend him to anyone interested in lone term care insurance. I was inquiring about a product I had already invested in. We discussed premium increases and coverage. I could tell he had really studied and mastered the plans in the industry and was able to give me an honest opinion. Highly recommend him. Very honest and satisfactory.”

-Carol, CA 04/10/2017



“Very helpful, took time to understand our needs and worked to find the right product for us.”

-Doug, CA 04/05/2017



“Millie was very helpful, considerate, informative, and explained everything I asked. She put my concerns to rest and I felt at all times that I was in good hands.”

What did you find most useful about this process?

“The fact that I was able to go over the whole process with her on the computer and have her explain all of the options and see those options on the computer.”

What would you tell a friend or colleague about your experience?

“I would tell them that it was a lot easier and a lot less complicated than I thought that it would be.”

-Patricia, KS 04/02/2017

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“Bill was available and knowledgable about LTC and was able to answer all my questions. Bill has an in-depth knowledge about LTC and will be able to show you many options and examples to help you make you decision – the best decision for you.”

What did you find most useful about this process?

“The ability to have someone who really knows LTC bounce ideas with.”

-Jeffrey, MD 03/31/2017

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“I very much appreciate the ‘low-key’ manner in which Rich conducts his business. Very informative, but not ‘high pressure’ or intimidating. I felt as though he was serving his customer, and not just trying to make a sale. The materials delivered to me for review ahead of the application session was very informative, leaving me much better prepared for the application session. Excellent customer service – thus far :)”

-Vicki, GA 03/29/2017

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“Dan was very attentive to my questions, comments, & valued my personal prior insurance experience. He kindly adjusted the coverages to meet my needs. He was actually the first one to contact me when I expressed an interest in LTC! Dan’s character was what stood out while visiting with him — that is a quality that is important when finding a professional in any industry.”

-Jim, TX 03/29/2017

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“Curt was patient with us letting us have the time we needed to process information, explained everything very well, offered opinions when asked, did not rush our decision. He gained our trust which gave us the confidence to seal the deal.

Curt split the process into two sessions which gave us time to research and review the various parts of the policy coverage. Also, we found Curt through the internet site, aaltci, which was most helpful establishing a basic understanding of long term care insurance so that we could move ahead.”

-Bill & Gail, MN 03/24/2017

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“Very informative, great job of answering the many questions we had and explaining so we understand, very professional and personable. Rose was wonderful to work with.”

-Tracy, CA 03/24/2017

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For what reason(s) did you give this score of 10 for your overall satisfaction?

“Precise and informative”

What did you find most useful about this process?

“Easy and timely”

What would you tell your friend or colleague about your experience?

“Ease and educational”

-Sherry, AR 03/22/2017

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“Very informative, was first class all the way.”

-Stephen, NC 03/20/2017

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“It was very informative and Richard was extremely knowledgeable.”

– James, OH 03/16/17

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“She was very informative, answered all my questions and provided me the information I asked for. I learned exactly how it works and how it can protect my assets.”

– Mary, TN 03/13/17

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“I appreciate Millie being so knowledgeable and considerate of our time. She also catered her presentation to our knowledge level.”

– Phil, NC 03/10/17

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“Very professional presentation that included all the information that we were looking for. Worked with us to schedule calls that met our needs. We contacted three providers and she was far better than the other two. I would recommend her to anyone. The process provided information about LTC that we needed. Answered all of our question and discussed with us until we completely understood. We were completely satisfied with the professional presentation and answered all of our questions. Worked with us till we found a plan that fit our needs.”

– Thomas, OK 03/10/17

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For what reason(s) did you give this score of 10 for your overall satisfaction?

“Knowledge of product
Individualized recommendations
Prompt follow-up
Effectively assisted in navigating a complex decision
Personable and friendly”

What did you find most useful about this process?

“Satisfaction in finding the best option given my individual circumstances and budget.”

– Deborah, CO 02/28/17

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“Personable, punctual, professional, careful , considerate, educational. Curt Horowitz: a consummate gentleman .”

– Paul, NV 03/03/17

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“Dan Payne went above and beyond in trying to find a plan that would serve our needs.”

– Linda, IN 2/26/17

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“Never felt pressured. The specialist answered and explained all my questions. Excellent email communications, as well.”

What did you find most useful about this process?

“The specialists knowledge of the different companies and his experience with what they offer and do not offer and relative prices.”

– Paul, PA 2/12/17

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“He was very helpful and responsive to our questions. We were able to do it in about an hour and had all of our questions answered. It was positive, informative and efficient.”

– Brenda, UT 2/11/17

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“Cathy was very thorough and made sure we understood things. She was helpful in getting the application filed. Good explanation of details without being pushy.”

– Dan, MI 2/09/17

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“Very easy to communicate with, he showed us on the computer exactly what was going on.”

– Larry, MI 2/06/17

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“He talked slowly which was very helpful to Sonny, my fiancee who is a thinker type. He took time to build rapport, and explained the product very well. I understand long term care much better than I did before. It is an important product that not everyone qualifies for. Check it out when your health is good and get your questions answered.”

– Aisha, ID 2/06/17

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“Dan has been incredibly helpful in explaining all the details of the process. And his patience in waiting for my situation to settle has been a big relief. Relax and trust Dan.”

– Chris, CA 2/06/17

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“Great job explaining the available options and guiding us through the process to select the right policy for us. Dan is very easy to work with and does a very good job explaining the products and helping determine what’s right based on our needs.”

– Thomas, PA 2/05/17

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“Gary was very knowledgeable and very personable. That is a rare commodity. I recommend him to everyone I know in need of long term care.”

– Dana, CA 2/03/17

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“Rob Chase has significant expertise regarding LTC and was extremely helpful with selecting the right product and options to meet my needs. Rob explained the benefits associated with the alternatives and provided the right level of education so you make an informed decision. Rob was extremely helpful, providing the right information to make the right decision for my family’s situation.”

– Rick, SC 2/03/17

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“Rich’s presentation was clear and precise. Every bullet point was explained and he answered every question in detail. He provided different options and the associated costs. He was very patient and not rushed for time. Encouraged me to contact him if we had any questions and made it very easy for me to complete the application from my computer. He was very knowledgeable and very personable. I would highly recommend. It very useful to see on my computer screen everything Rich was explaining. Don’t think there could be an easier process.”

– Beth, MO 2/02/17

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“Professional – Knew product – able to answer questions with complete understanding (to me).”

P, NJ 2/01/17

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“Rose was understanding.kind, funny a pleasure to deal with. It was easy and when it was easy for us do complete Rose was nice, and we had a pleasant experience through the whole process.”

– Diane, IL 1/28/17

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“Rose listened well to what we wanted and helped us find a solution that fit our needs. It was convenient and informative and there was no pressure to purchase something that didn’t suit our needs.”

– Anthony, CA 01/26/17

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“Knowledgeable…Answered all our questions…Very polite!”

– William, GA 01/24/17

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“Curt was great, but this product is very confusing and it is hard to face these issues. Curt can help make sense of a complicated issue.”

– Margaret, PA 01/18/17

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“Dan listened well and provided intelligent guidance. Great experience. No problems. Dan is very knowledgeable of the whole process.”

– James, TX 01/16/17

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“Thorough, experienced,guided us through the process. Liked the options such as “shared” and inflation provisions. Feel relieved that our long term care potential needs are taken care of.”

– Brian, SD 01/11/17

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“Knowledgeable, didn’t waste a lot of time but was willing to expand on answers as needed; would have preferred fewer phone calls – not every commitment of time needs to be reconfirmed three times. Good explanation of what the coverage options actually are. Curt was very knowledgeable, and had appropriate collateral readily available.”

– Keith, CO 01/10/17

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“Was very clear on the different option I could receive if I were to sign up for this insurance. Was a easy clear process for a subject that is sometimes hard to understand.”

– Walter, DE 01/05/17

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“Richard is very punctual, efficient, patient in explaining. It’s complicated with many options, you need guidance to choose.”

– Debbie, AL 12/19/16

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“The whole process was extremely easy and uncomplicated and Millie did an outstanding job thru the entire process. On line viewing helped very much and then to be able to print the various quotes to look at during the decision making process. All of this made everything extremely easy. It was so nice to have something explained to me that could of been very complicated that turned out very cut and dry. I wish I was a little younger as I would of applied for a position in your company.”

– Neal, TN 12/14/16

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“Very kind and patient. Covered every aspect, and was a good teacher as we went through the process.”

What did you find most useful about this process?

“The ability to call or email in between appointments. Rich sent us emails with quotes. The webinar approach was also helpful, so we could see what he was talking about.”

– Bruce, IA 12/12/16

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“Specialist was well informed, helpful and very nice. Process was easy and we felt well informed.”

– David & Dawn, IN 12/06/16

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“All questions were answered thoroughly. There was no sense of any hurrying. We felt like our agent was interested in what was best for us.”

– John, NC 11/27/16

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“She [Millie] was knowledgeable, explained the concepts well and was pleasant.”

– Mark, TN 11/23/16

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“Rich spent as much time as we needed to answer our questions. It was great to be able to see his computer screen on our computer. I found getting the information on LTCI in advance helpful to formulate questions we had.”

What would you tell a friend or colleague about your experience?

“I would tell them that the process was easy, our questions were answered, and Rich was able to shop various companies and make educated recommendations. Never did we feel any pressure.”

– Bonnie, NC 11/20/16

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“He [Richard] explained everything to us, and answered questions when we didn’t quite understand. Very patient!”

What did you find most useful about this process?

“The comparisons with explanations of what each item meant and how they related to cost.”

What would you tell a friend or colleague about your experience?

“Not a quick process, but was thorough, and I learned a lot.”

– Kerry, FL 11/09/16

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“Curt has been knowledgeable, efficient, friendly, and helpful. We could not have asked for better assistance. Any questions we asked were thoughtfully and clearly answered.”

What would you tell your friend or colleague about your experience?

“That we believe we got the best help we could ask for in making this decision.”

– Susan, NM 10/31/16

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“I knew that it was important to have LTC, because Dave Ramsey said it was. However, I did not know all of the intricacies of the insurance. The fact that you [Cathie] spent such a long time speaking to me, even though you knew that I already had Long Term Care through LTC Partners, spoke volumes to me. Your generosity, and willingness to simplify something that seemed incomprehensible to me reflected your unselfishness and your kindness.”

– Carla, LA 10/26/16

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“Polite, professional and efficient service. Answered all of my questions and is working for my best interests.”

– Phillip, CT 10/25/16

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“Agent was able to answer all questions and knew the policy very well. My only draw back is with me being a new person or client with no understanding of Long Term Health Insurance some of the coverage’s after getting off the phone I didn’t understand some of the terms of coverage on some items. An online copy or access to all the terms should be able to be accessed. Other than that everything went very well.”

– Donald, CA 10/24/16

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“Our experience with the LTC Consumer overall was excellent. The agent was very knowledgeable and helpful.”

– Benjamin, CT 10/13/16

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“Richard explained things very well and made the application process easy. It was clear he knew his business. I was not knowledgeable about how long term care insurance worked. Richard clearly explained it. Although Richard is very knowledgeable about long term care insurance, he is easy to talk too and patient with questions.”

– Mary, VA 10/12/16

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“Rich explained options including why a particular option or plan might work best for my situation. He was very prompt in responding and following up.”

What did you find most useful about this process?

“The ability to review options and companies with one person and not to have to deal with each company individually.”

What would you tell a friend or colleague about your experience?

“Good resource for both general and specific information regarding Long Term Care Insurance and a good place to compare companies and benefits.”

– Beverly, NC 10/05/16

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“She [Millie] is very knowledgeable and patient. She listens to her clients and try to come up with the best plan.”

– Shigeko, KY 10/05/16

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“I liked his [Gary] style and professionalism.”

What did you find most useful about this process?

“Outlining different plans and explaining the differences. I felt comfortable working with him,no sales pressure.”

– Yvonne, FL 10/02/16

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“Very helpful in helping me understand a topic I know nothing about.”

– Manuel, FL 9/30/16

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“She [Vickie] was very informative, no pressure, and always prepared.”

– Scott, TX 9/29/16

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“Being able to view information dynamically from Curt’s PC was a plus. Very informative about LTC insurance. Easy and informative.”

– Diane, PA 9/28/16

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“Curt provided my husband and I with knowledge of the program and guidance for selecting the right plan for us. Overall excellent experience.”

– Judy, AZ 9/19/16

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“Knowledgeable,friendly, helped guide us to the best policy we could get.”

What would you tell a friend or colleague about your experience?

“Knowledge is power and Richard really knows and shares this with his clients.”

– Angela, NC 9/14/16

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“Rose is extremely efficient, professional and very organized. Rose was extremely informative. I knew nothing about Long Term Healthcare. Now I have confidence about the plan we selected. I have a comfort level now that I have a long term healthcare. I already have recommended the plan to friends and family. Great experience.”

– Diana, CA 9/12/16

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“Millie is knowledgeable and communicates with professional confident. And follows up after each conversation with an Email.”

– Louise, MS 9/07/16

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“He [Bill] went above and beyond and was very patient with me. Top notch customer service and very knowledgeable staff.”

– Doug, 9/02/16

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“Rob listened and answered our questions in easy to understand language. Rob was more concerned about making sure we were informed then he was about making a sale. In fact he answered more questions about my wife’s current LTC coverage and talked out of changing, based on the coverage she had.”

– Bob, OH 8/26/16

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“Millie Frambach was very helpful and cheerful, explained information clearly and patiently, was genuinely interested in assisting us with LTC insurance needs.”

What would you tell a friend or colleague about your experience?

“The LTC specialist Millie Frambach is dedicated to assisting customers with specific needs within their price range. Specialist has first hand experience with family situations also.”

– Nancy, DE 8/17/16

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“Very courteous and responsive, provided helpful and relevant information, but not high pressure.”

– Kristin, VA 8/11/16

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“Very knowledgeable, supportive, and unbiased in his information.”

– Carol, VA 8/10/16

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“Rose was great took time – professional- answered all questions – very knowledgeable about the product. Very enthusiastic. Knew how to answer all questions and was able to demonstrate numerous payouts and scenarios.”

What would you tell a friend or colleague about your experience?

“I am a nurse practitioner who takes care of elders and when they ask I would definitely refer them to LTC insurance and to Rose if their families are interested in discussing planning for themselves in their futures.”

– John, TX 8/03/16

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“Bill Wetmore was very nice and easy to work with. He explained things and answered all my questions.”

– Sandra, TN 7/31/16

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“There was never a question he couldn’t answer. He was very patient and held several calls with us. He is very knowledgeable and helpful. Doing everything online, made us nervous at first. But having access to all the information and documentation that was sent to us, really helped us feel more at ease, and we took the time to carefully read the information. If there was something we didn’t understand, Richard was always available and willing to explain, many times over!”

What would you tell a friend or colleague about your experience?

“It is a simple and smooth process once you get started. We started out with very little knowledge and ended up feeling very comfortable with what we purchased. This was in part due to all of the information and brochures that were emailed to us from Richard.”

– Anita, FL 7/30/16

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“I had no previous experience or knowledge in LTC insurance. It was explained thoroughly, along with the options available.”

What would you tell a friend or colleague about your experience?

“That it was relatively simple and not very time consuming.”

– Susan, GA 7/30/16

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“I felt like Curt took the time to listen to our needs and suggest a plan that met them. Curt is recommended by an advocacy agency and has a long history in the business so he seems to be a reliable source of information. He is also persistent and reliable.”

– Bridget, OR 7/29/16

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“I can’t thank Gary enough for all the help he provided and work he did to get us through the underwriting process. He was very knowledgeable about the various vendors’ plans, and helpful directing us to the best coverage that fit our needs. I would recommend Gary to anyone looking for an informed, thorough, perseverance and professional Long Term Care specialist to get them through this process.”

– Lindsay Nauen

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“Millie Frambach was responsive and knowledgeable. There was no question she could not answer to our satisfaction.”

What would you tell a friend or colleague about your experience?

“I would tell them about the easy accommodation, the knowledge and experience provided by Millie.”

– Jon, AZ 07/22/16

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“Gary worked with us to clarify the confusion and concerns we had about Long Term Care. He was persistent and communicative throughout the application process and made sure we were comfortable every step of the way. We never felt pressured or that we were being “sold” on something. We feel much more secure and confident now that we have protection against future health issues as we continue to age.”

– Lynn & Roy Meixell

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“Very helpful at explaining the process. They took the time to explain the process and answer any questions I had.”

– Clara, VA 07/15/16

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“Detailed information in easy to understand format to help make our decision.”

What did you find most useful about this process?

“Being able to see Dan’s screen as he explained and showed us options.”

– Alison, WA 07/14/16

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“Everything was able to be done online. Easy to understand, fair pricing.”

– Shelly, KY 07/07/16

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“Knowledgeable, prompt, well-informed, and honest.”

– Milady, OH 07/07/16

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“Very thorough and explained everything that we asked. Deal with Rob. He knows the product and can explain the need and the process to anyone.”

– Rick, KY 07/07/16

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“Appeared to have vast knowledge of subject, empathy, & no pressure to move forward or purchase product.”

– Paul, FL 07/05/16

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“Cathie is very helpful, kind, and competent. She is great at her job! This has all been done in a way that maximizes convenience for me. I appreciate that. Everything was handled well; things that were supposed to happen did; I never felt pressured.”

– Steve, MO 06/28/16

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“It was very pleasant, friendly and informative experience going through the process.”

– Steven, NV 06/27/16

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“Bill is very thorough and patient in explaining everything sometimes multiple times, if needed. There is a lot to learn and he does an excellent job in walking a person through the process. I appreciate his service very much. It gave me the flexibility I needed in making my decisions. The variety of offerings made sense and gave me the options I needed. Take time to look into sooner rather than later. It’s not a decision you will make over night—it takes time.”

– Brenda, MD 06/26/16

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“Very consistent service. Rob was very knowledgeable about LTC and the different options. He did not try to sell me too much insurance which my wife and I really appreciated. It was convenient and painless as possible. Rob was trustworthy, professional and knowledgeable about the LTC options.”

– John, AL 06/21/16

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“Rob Chase was extremely helpful with information giving. There was no pressure involved to purchase anything. It was like talking to an old friend about what we wanted our future to be and how we could achieve our goals. We were able to think about the information provided and come to our own decision. We took all the time we needed to make this important decision without any pressure. We were given data and information we needed to assist us in forming our decision.”

– Glenn, TX 06/20/16

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“Her knowledge and expertise in making the process effortless and simple. Seamless process, great rates, reputable carrier.”

– Michelle, OH 06/20/16

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“He [Rob] was very patient and answered all questions. He was very helpful and we were able to see several scenarios to compare coverage and price.”

What would you tell a friend or colleague about your experience?

“Long term care is necessary and go through someone who knowledgeable and teaches you the differences of price and coverage for your individual needs.”

– Glenn, FL 06/17/16

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“Seemed knowledgeable, was able to take us thru all the aspects of LTC and with the computer interactive presentation we could see and make changes, see the results right there.”

– Barry, MI 06/09/16

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“Rich is very knowledgeable and researched and provided information for both of the states where we live savings us a lot of money.”

What did you find most useful about this process?

“Achieving a level of satisfaction with the decision and providing peace of mind.”

What would you tell your friend or colleague about your experience?

“It is a simple and straight-forward process, the interactive tools are nice and Richard is very pleasant to deal with.”

– Nancy, VT 6/06/16

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“Rob was very helpful and easy to work with, he answered all my questions. Easy, friendly process…very professional!”

– Sherry, NV 5/20/16

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“Dan is easy to talk to and concise in his presentation.”

– Karen, CO 5/13/16

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“Rob Chase was very thorough and made sure we understood everything about the process. He was very helpful in helping us assess what LTC plan was best for us.”

What would you tell a friend or colleague about your experience?

“I would tell them to not hesitate to contact Rob and that they will be treated with the utmost respect.”

– Paul & Mary, NC 5/12/16

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“The forms were easy to read and Rob was able to fill them out fast during the session.”

What would you tell a friend or colleague about your experience?

“That it is easy and details are explained very well for ease of understanding and in making the proper decision for our needs. Also that the expense costs are upfront to look at in order to make the right decisions for your self & the future of your family.”

– Richard, CA 5/11/16

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What did you find most useful about this process?

“Being able to see everything on the computer screen in front of us in our own home. Our representative clearly explained everything in a way that we could understand the process.”

– Henry, KS 05/11/16

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What did you find the most useful about this process?

“The realization that we have assets to protect against the unknown challenges of aging.”

What would you tell a friend or colleague about your experience?

“Honest, open and informative; real facts based on our age and geographic area.”

– Deborah, ME 05/09/16

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“Clearly well versed in the topics and it was apparent she (Millie) wanted to care for our need above selling a product for her own income. The product is tension filled…… It is spending a lot of money annually with no guarantee we would use it, so the coaching we sought to help us through the complexities proved useful.”

What would you tell a friend or colleague about your experience?

“I would remind them the goal is to wrestle with risk and to bear in mind the ultimate goal is not to be a financial burden on our children by being reluctant buyers.”

– Jeffrey, VT 05/03/16

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“Very informative answering questions and concerns, patient, and congenial. He (Curt) was able to answer all questions to my satisfaction.

– Linda, AZ 04/28/16

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“Concise, clear and directly answered questions.”

– David & Maureen, WI 04/26/16

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“Very direct and explained things clearly. Join.me was helpful and that he (Richard) could comparison shop with us and explain key differences between.”

– James, FL 04/22/16

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“Millie was very responsive and thorough. Did not leave me hanging or wondering with follow-up questions.”

What did you find most useful about this process?

“That she did a conference call with being able to see her screen that showed the numbers. I am a visual person and needed that.”

– Debra, TX 04/19/16

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“Knowledgeable and trustworthy without pressure.”

– Kirby, CA 04/19/16



“Richard Horowitz is well acquainted with the insurance he is helping me apply for and filling out the application went quickly and smoothly. Pleasant and non-pressured.”

– Linda, VA 04/11/16

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“He was very understanding of my needs. Bill gave me options based on current needs, never felt pressured to purchase something we cannot afford… explained the need for different option to life insurance for retirement…”

– Ronald, TN 04/08/16

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“Was very helpful and very kind. Was able to answer all of our questions.”

– Barry & Kristine, MI 04/06/16

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“Very informative, knows the process front to back. 100% satisfaction.”

– Marvin, NC 04/06/16

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“He answered all my questions, kept us on track and was efficient with my time.”

– Marsha, CA 04/05/16



“Rich explained everything in a way in which we understood. I loved that we could do this over the phone and online. So convenient. Easy, convenient, friendly, accommodating, honest and reasonable premiums.”

– Jamie, NY 03/26/16

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“Prompt response to my inquiry, he’s very knowledgeable and pleasant to work with and worked with with me to schedule an appointment when it would work with my schedule. There are so many options! He was able to discuss the options and recommend what would be best for me.”

– Pattie, WA 03/24/16

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“Millie was knowledgeable, patient and explained everything. The entire process was made easy by my agent.”

– Patricia, SC 03/14/16

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“Millie was efficient, knowledgeable, and kind. All of our questions and concerns were answered politely and promptly and clearly.”

– Debra 03/09/16

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“The most useful is comparison of costs, benefits, and summary coverages of insurance policies within the same insurance company and / or different insurance companies. My experience : I receive education of long term care, ltc consumer specialist focuses on the benefit of the client, giving independent recommendations.”

– Tri, GA 03/07/16

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“Bill took the time to explain all aspects of the insurance and provided choices for us to look at.”

What did you find most useful about this process?

“The information provided and peace of mind that this is the right product for us.”

What would you tell a friend or colleague about your experience?

“Excellent sales process not pushy, education, price.”

– Tom, TN 03/07/16

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What did you find most useful about this process?

“The convenience of doing it at home on the computer. It was easy to do and understand.”

– Mary Jo, OH 02/29/16



“Dan did an excellent job of explaining LTC and process of obtaining LTC insurance.”

– Roger, CA 02/26/16



“Even though “life” got in the way a few times before the process was completed, he [Rob] patiently worked through the distractions & answered all of my questions. I felt that I could trust him during the signup and in the future as well.”

What would you tell a friend or colleague about your experience?

“Overall, I trusted the source of information and never felt “talked down to” or pushed to buy a product I didn’t understand.”

– Diane, KS 02/22/16

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“He stayed with me and worked around ‘My’ schedule throughout the whole process, and that was not a easy task for him to do! It is appreciated.”

What did you find most useful about this process?

“Information Rob shared with me concerning types of insurance, the process as a whole, and the eligibility process.”

– Rhonda, KS 02/19/16

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“Very attentive and knowledgeable about the plans available to me.”

– Nannette, CA 02/18/16



“Rob was very careful in explaining everything. Very helpful in helping us determine what we needed.”

– Betty, KY 02/15/16



“Very thorough, upfront, courteous and informative. So convenient. We thought it would be a very long and drawn out process, but it wasn’t. It’s simple and straight-forward. No gimmicks. Just honest information without a pushy “salesman” attitude.”

– Sam & Lynda, TX 02/11/16

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What did you find most useful about this process?

“The on-line calculations and on-line application.”

What would you tell a friend or colleague about your experience?

“Great information, good response time, and clear explanations and clarifications.”

– Kristine, WA 02/09/16



“It was easy to contact your company and Dan’s response back was very quick. He was also very knowledgeable and helpful, but not pushy.”

What did you find most useful about this process?

“Knowing there were many options to choose from, yet Dan was able to guide us to which were the best options for us. Then gave us some time to choose from those options.

What would you tell a friend or colleague about your experience?

“You’re easy to work with and have many good products so they can find the one which is best for them at the best price.”

– David & Ruth, WA 02/07/16

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“Dan knew his product and was able to answer all my questions. He was very considerate about my time also. Good service and a reasonable price for my policy.”

– Linda, OR 02/05/16

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What would you tell a friend or colleague about your experience?

“How easy and professional the whole experience was…Millie was very helpful, friendly and professional.”

– Joanne, ME 02/01/16



“Rob was very knowledgeable and polite.”

– Dora, WA 02/01/16

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“Rose has been very helpful in understanding all aspects of my insurance needs. She provided me with information about what is included that I was not originally aware of.”

What would you tell a friend or colleague about your experience?

“I would tell them that Rose can be depended upon to follow thru even when I drop the ball!”

– Laurel, CA 01/30/16

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What would you tell a friend or colleague about your experience?

“Important for friend/family to think about and consider.”

– Emelda, WA 01/27/16

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“The experience was easy, no high pressure sales, good experience.”

– Rhonda, TX 01/26/16

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“He answered all my questions and worked energetically to give me the best LTCI policy possible.”

– Georgia, KY 01/26/16

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“Rob was friendly and was clear on the entire process. Looking at Rob’s computer screen during the phone calls helped keep everything clear. He was personable but not pushy. I never felt I was pushed into anything I didn’t want.”

– Rebecca, CA 01/25/16

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“Rob was thorough, timely, professional, and patient. It was a pleasure to work with him. He was very knowledgeable about the product and process. He answered every question thoroughly and without delay. Thank you for helping us achieve our goal of cost-effective long term care insurance. We look forward to many years of a good relationship with you. Thank you.”

– John, NV 01/22/16

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“Very relatable agent. Was able to make this process very understandable. Efficient. Knowledgeable agent. No hidden agenda.”

– Belinda, TX 01/21/16

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“He [Rich] was a teacher as well as an agent. He wanted us to understand what all the components were before we committed to a policy. He was also friendly and not high pressure.”

What did you find most useful about this process?

“Understanding the different aspects of LTC and how I can control the cost.”

What would you tell a friend or colleague about your experience?

“Expect a friendly teacher that will guide you through the process without high pressure.”

– Linda, MI 01/20/16

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“He [Curt] explained everything and gave reasons why or why not it would be wise to purchase a product.”

What did you find most useful about this process?

“His knowledge of Nebraska’s rules.”

What would you tell a friend or colleague about your experience?

“That the product was explained very well and also what was going to happen in the near future.”

– Sandra, NE 01/18/16

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“Very pleasant to talk to. Very informative/knowledgeable choosing a long term care policy.”

What did you find most useful about this process?

“Looking at his screen on my computer & filling out application together.”

– Kimberly, OK 01/14/16

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What would you tell a friend or colleague about your experience?

“f they want the best service with a very nice and knowledgeable person give her [Cathie] a call.”

– Terri, TX 01/11/16

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“The webinar format allowed us to see information even though we did not live in the same town as the LTC specialist. Setting up appointment is important – and be prepared to answer questions. This method allows you compare insurance companies and see what is best fit for you.”

– Carla, IN 01/09/16

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“Cathie was fantastic explaining all our options and providing pricing. We had several stops and starts along the way and she could not have been more kind and patient. She was invaluable and made sure we had everything we needed to proceed. Look no further. You need this insurance, get it done. Cathie will guide you the entire way.”

– Linda & Steve, CA 01/01/16

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“Very informative. Did not seem biased to a particular company. Tried to fit the company to my needs.”

– Barbara, OR 12/28/15

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“He was very knowledgeable and understanding.”

– Tod, HI 12/25/15

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“I have been in contact with several agents from different insurance companies with no good results, Cathy Lewis from LTC Consumer was so helpful and explained the plans offered in great detail. It was made clear to me how LTC insurance works and why it is a good idea to have some protection in place as we get older.”

– Lyle, UT 12/22/15

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“Dan listens and responds accordingly. Dan is knowledgeable, helpful, and communicates clearly while explaining the coverage and the process.”

– Rebecca, OR 12/21/15

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“Rob is friendly, thorough, and always takes time to explain anything that we question. Realizing that we needed to get ourselves into the aging reality and that we needed to become informed. Rob was right there to help us.”

What would you tell a friend or colleague about your experience?

“I would tell them that Rob is informative, educated about Long Term Care, and above all, honest!”

– Janice, CO 12/18/15

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“Rob was informative, attentive and timely. I was hoping to lower my premiums from my UNUM policy but ended up with a more comprehensive policy costing more. I learned more about coverage and what it entails.”

– Martha, NV 12/08/15

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What did you find most useful about this process?

“The quick availability and response via phone and email; the ability to use “Glance.net” to see the presentations and policy details was extremely helpful.”

What would you tell a friend or colleague about your experience?

“Their questions will be answered in a timely fashion, and they will have the ability to make an informed decision.”

– James, TX 12/01/2015

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“Rob was an excellent communicator and knew how to present the best plan for my needs. Rob does not rush you and is willing to answer questions.”

– Nancy, CA 11/18/15

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“This was a much better experience than I have ever encountered when applying/purchasing insurance.”

– Tom, WA 11/16/15

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“Richard was very friendly and patient with me. I felt quite comfortable with him.”

What did you find most useful about this process?

“Richard’s knowledge of the product and his ability to explain it in layman terms.”

– Melvin, KS 11/15/15

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“Mr. Wetmore was extremely helpful, professional, and gracious.”

What did you find most useful about this process?

“The ease of obtaining the information, exchanging information, and filling out the application.”

What would you tell a friend or colleague about your experience?

“Foremost, that this type of insurance is necessary. Secondly, that having an agent that is informed, patient, and helpful will make the process that much easier.”

– Anne, AZ 11/15/15

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“Curt was patient, knowledgeable and very reassuring when I showed some apprehension. I will highly recommend him to friends and family. He was able to help me overcome my anxiety regarding this issue since it’s so sensitive and when we hung up I knew I’d made the right decision.”

– Ellen, WA 11/15/15

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“Very clear, personal and helpful descriptions of policy and options. Very knowledgeable.”

-Brent, GA 11/13/15

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What did you find most useful about this process?

“Explanation of policy differences and making sense of a somewhat confusing LTC industry.”

What would you tell a friend or colleague about your experience?

“Questions are answered promptly and completely and different options for both coverage and cost are provided.”

– Darrell, IN 11/04/15

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“Millie explained it so I could understand, she always ask if I had any questions and seemed like she cared that I got the best coverage for what I could afford.”

What would you tell a friend or colleague about your experience?

“I already have told some to call her for information.”

– Judith, TN 11/02/15

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“Very well informed on the facts. Personable and respectful. Willing to give opinion or suggestions.”

What would you tell a friend or colleague about your experience?

“Very simple and informative. Gives pertinent info for today and the future.”

– Jim, IA 10/30/15

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“Rose was professional, prompt, knowledgeable, and very easy to work with.”

What would you tell a friend or colleague about your experience?

“It was hassle free”

– Mary Jo, GA 10/28/15

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“Everything was handled very professionally and efficiently.”

What did you find most useful about this process?

“Having the various features of the selected policy explained and having the agent’s recommendations with reasons why they were made.”

What would you tell a friend or colleague about your experience?

“That it was educational, efficient and professional.”

– Rob, MD 10/22/15

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“Rob was educational, friendly, and we never felt pressured while we made our decision. He was outstanding on follow through and communications.”

– Linda, CA 10/19/15

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“Our agent was professional and knowledgeable. Easy to understand and prompt.”

What did you find most useful about this process?

“Knowledge of the different insurance companies and experience of Rose, our agent.”

– Susan, NV 10/15/15

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“Rob explained everything very well. He is articulate and made the process comfortable. I would recommend LTC for the ease of application process.”

What did you find most useful about this process?

“The appointments being set at my convenience and the web access to the slides and forms in the presentation.”

– Kathy, OH 10/09/15

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“It may be an important part of end of life planning.”

– Gerald, TX 10/08/15

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“Excellent recognition of needs. Wide array of insurance carriers. It was fast, comprehensive and informative.”

– Lee, CO 10/08/15

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“My LTC Specialist is very patient in explaining things more than once for my understanding. She is very pleasant to visit with. She has good understanding of her product. She prepared me well for appointment in my home with the insurance nurse. There have been no unnecessary delays at any point in the process. She has excellent communication skills and is able to give good explanations. That is most helpful when discussing a product about which I had no previous information. It has all been positive.”

– Laura, IA 10/05/15

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“Excellent follow-up; extremely knowledgeable.”

– Bill, GA 10/03/15

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“We learned a lot through the materials provided.”

– Ellen, GA 10/02/15

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“Dan was extremely helpful and patient in explaining the many options available.”

What would you tell a friend or colleague about your experience?

“That I spoke to a knowledgeable and helpful professional who took the time necessary to explain the whole underwriting process.”

– Tony, MI 09/29/15

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“Rich answered our questions and explained the process well. It helped us understand what was necessary. We were able to understand what was expected and what we would receive for the long term care.”

– Cindy, AL 09/28/15

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What did you find the most useful about this process?

“The one to one presentation as well as the printed materials.”

What would you tell them about your experience?

“That it is something you should try without second guessing that it is too complicated.”

– Janis, NY 9/27/15

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What did you find the most useful about this process?

“Guided through process. Excellent, thorough explanations. Personable.”

What would you tell a friend or colleague about your experience?

“Rob is professional and patient. Helped us to understand LTC.”

– Russ, RI 9/26/15

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What did you find the most useful about this process?

“Knowledge of the specialist helped guide us throughout the process without over/under selling us.”

John, MS 9/26/15

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“Bill was very diligent, professional, proactive, and supportive.”

– Miles & Gabriel, NJ 9/24/15

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What did you find most useful about this process?

“Personal contact & good written information.”

– Janice, WA 9/21/15

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“Easy to follow, knowledgeable of the policies. They know all the details about long term care insurance. They can compare costs to other companies.”

– Judy, PA 9/15/15

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“Patience and clarity. Curt took a lot of time with my wife and I, and we appreciate his thorough explanations and willingness to go over details more than once with us. He made everything clear, giving us comparative scenarios, and even telling us about his own long term care insurance policy. He never pushed us…just provided the information we wanted.”

– Michael, OR 9/14/15

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“Dan was very polite, friendly, answered all questions patiently, tried to work around our schedule. Provided helpful information.”

– Joann, TX 9/05/15

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“Rose was very informative, professional, patient, and knowledgeable. Easy to do over the computer.”

– Sue, TX 9/04/15

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“The specialist was extremely thorough and helpful throughout the process. Talking through the various options needed and various plans. Here is an extremely knowledgeable guy who can help.”

– Howard, ND 9/02/15

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“Rich took the time to explain and answer, in detail, all of our questions and concerns. No pressure. Extremely knowledgeable about this type of insurance.”

– John, AL 9/01/15

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“The process worked well. My rep (Bill) was informative and made helpful suggestions.”

– Madeline, AZ 8/25/15

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What did you find the most useful about this process?

“It saved us a lot of time.”

– Leonard, GA 8/23/15

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“Easy to understand, very knowledgeable, courteous.”

– Hope, FL 8/14/15

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“Millie was very informative and very helpful. Easy to schedule and plenty of time to ask questions.”

What would you tell a friend or colleague about your experience?

“Ease of setting an appointment, reviewing policies, asking questions and getting them answered.”

– Carole, MI 8/13/15

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“Dan was very informative and wasn’t pushy.”

– Laura, CA 8/12/15

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What did you find most useful about this process?

“Recommendations provided by Millie designed to meet our goals. Very trustworthy.”

– Thomas, WI 8/07/15

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What did you find most useful about this process?

“Her patience in explaining the whole process. Millie was very helpful and informative.”

Maria, IL 7/27/15

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“Patience and precision; listened to concerns and provided insightful recommendations. We had great service and accurate information provided.”

Gary, AL 7/27/15

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“Professional attitude and great explanation of various types of coverage…”

– William, NC 7/20/15

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“I was dealing with several agents and Curt was knowledgeable, walked me through the process live via web link instead of just sending a quote like the others. I felt he was honest and forthcoming. He explained everything and showed me the cost and benefits of each item. I knew what I was looking for but could not afford that level of coverage. With Curt’s help I was able to tailor a plan to get me close to what I wanted.”

– Debra, UT 7/18/15

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“Dan was informative and easy to talk with. The experience was non pushy and LTC will likely be necessary for most people that expect to live beyond 65.”

– Ken, WA 7/14/15

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“Rob was thorough and very informative. He made the process “comfortable” and was able to answer all of my questions with ease. Rob was attentive and was able to answer my questions and concerns with ease. He was very polite and always on time.”

– Christine, MD 7/10/15

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“Richard was very knowledgeable.”

– Herb, FL 7/08/15

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“The information Rich gave was clear and easy to understand. The online application process was easy to complete with the help of the specialist.”

– Steven, CO 7/02/15

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“If Curt didn’t have the answer for a question, he would get a company representative on the line to answer the question. Long term care insurance is not our business, Curt answered all our question and got us thinking about things we had not thought about. We dealt with several LTC company representatives who didn’t have answers.”

What did you find most useful about this process?

“Getting an education on LTC and getting the answers without “pushing” any one company.”

What would you tell a friend or colleague about your experience?

“I felt enlightened about LTC and you will too.”

– Reinhard, WA 7/01/15

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“Good communication and follow up. Helped me focus on what i needed to do. Easy to talk to, trusting, answers to you questions.”

– Dana, CA 6/29/2015

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“Bill was very knowledgeable, professional , efficient and persistent. [He] helped me find a policy that met my needs. It was easy and professional.”

– Susan, NY 6/29/2015

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“Cathie Lewis was excellent. She was quick to respond and demonstrated great follow-through. She was the one that made this a satisfying process. The entire process was quite educational. Getting good information and having several insurance companies to choose from very helpful. No need to go to any other LTC resource. I did and hands down, this is the best service I received. Glad I met Cathie first.”

– Richard, CA 6/26/215

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“Cathie was always in communication with me, she was able to meet my time needs, she was highly professional yet personable. She was very patient in explaining TWICE, once to me , then to my son, so I could feel confident I made a good decision.”

– Carol, CA 6/26/2015

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“Provides concise information, answered questions well, stayed on point and made the process easy.”

– Sue, IL 6/25/2015

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What did you find the most useful about this process?

“One on one session.”

What would you tell a friend or colleague about your experience?

“Very knowledgeable and unbiased.”

– Richard, TX 6/22/2015

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“Rob was very courteous and polite. He gave me a chance for my input, and was not looking out for company interests. He was interested in my interests and meeting my budget needs.”

– Teri, WA 6/19/2015

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“Friendly, knowledgeable, patient, thorough whole process. I always felt Bill was working for my best interest and went the extra mile with me and my questions.”

What would you tell a friend or colleague about your experience?

“Use this company, DON’T self shop for this type of insurance.”

– David, TX 6/16/15

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“Only place to go for your LTC!”

– Barry, SC 6/13/15

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What did you find most useful about this process?

“How knowledgeable Rich is and the advice he gave us. He was very helpful answering all our questions and made us feel very comfortable! Excellent rep! It was great and far exceeded our expectations!”

– Kim, IL 6/11/15

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“Empathetic, courteous, professional, prompt.”

– Terry, KY 6/07/15

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“Millie was friendly and very knowledgeable. I appreciated her professional attitude. She did not pressure me or my husband. She presented us with information and walked us through good decisions for our specific situation. She was prompt with calling me back. I had questions and she followed up quickly and let me know the information so I made an informed decision. She really did have a “heart of a teacher”.”

– Karen, MD 6/03/15

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“Richard was knowledgeable, patient and informative and timely.”

What did you find most useful about this process?

“Answered my questions and explained the details.”

What would you tell a friend or colleague about your experience?

“Good experience. Informative. No glossy sales pitches.”

– David, MD 6/02/15

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“Rob was very efficient, always sending reminders for telephone interviews, prompt for those meetings and he patiently answered all my questions.”

– Sharon, CA 5/25/15

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“Rich was very professional, patient with me and answered my questions in a satisfactory and courteous manner. He was very knowledgeable in his responses.”

– Rosia, TN 5/21/15

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“Rich was very informative and took the time to explain everything. He was very patient with us with our questions. I feel that we selected the best policy for our situation.”

What would you tell a friend or colleague about your experience?

“I would tell them that they should really consider LTC and that Rich will really help them find the best policy for them.”

– Donald, FL 5/19/15

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“Rob Chase was very responsive and diligent in answering our questions, making himself available either by email or phone. We found his responses to be understandable and complete. Our interaction with Rob as our primary contact was crucial in assisting us in evaluating our best choices, understanding our tradeoffs and evaluating our risks. He worked well with both of us answering all questions and helping us understand differences between plans.”

– John, KS 5/18/15

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What did you find most useful about this process?

“The one-on-one interaction with the representative.”

What would you tell a friend or colleague about your experience?

“It was informative and clearly explained and you could call and talk to someone and ask questions whenever you needed to.”

– Lynne, MA 5/13/15

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“Rich was courteous, professional, and helpful. Educational, helpful, easy to understand.”

– John, OH 5/08/15



“Rob is very helpful, informative and patient.”

What did you find most useful about this process?

“Current and relevant information.”

What would you tell a friend or colleague about your experience?

“Smooth and simple.”

– Christine, OK 5/04/15

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“Mr. Wetmore is very professional, polite and willing to thoroughly explain the process and answer any questions I have. The process was quick, thorough and informative.”

– Michelle, DE 4/30/15

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“Curt was knowledgeable and made the information understandable by the average person. The process is low key, informative, and not rushed.”

– Joe, GA 4/27/15

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What did you find most useful about this process?

“The explanation of the process was clear and easy to follow”

What would you tell a friend or colleague about your experience?

“That all involved were friendly, patient and knowledgeable.”

– Linda, PA 4/23/15

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“I had opportunity to learn, wasn’t pushed into anything, was showed various costs, and got my questions answered.”

– Mary, MI 4/16/15

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What did you find the most useful about this process?

“The LTC agent’s knowledge and answers to our questions.”

What would you tell a friend or colleague about your experience?

“That it was positive and that other comparisons were made.”

– Thom & Karla Bardwell, MI 3/20/15

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“Rich was very knowledgeable, helpful, timely in his responses, and friendly/approachable.”

What did you find most useful about this process?

“1. The apparent ease in identifying a good policy for us

2. Provided information to help with the large learning curve on LTC policies”

What would you tell a friend or colleague about your experience?

“The comments that I’ve already made, plus.. there’s a big learning curve in order to make an appropriate choice. I would suggest that they allow plenty of time for research and quotes. Find a rep that they feel comfortable working with.”

– Gail, GA 3/12/15

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What did you find most useful about this process?

“The webinar connection.”

What would you tell a friend or colleague about your experience?

“Easy and informative.”

– Lisa, NJ 3/20/15

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What would you tell a friend or colleague about your experience?

“Very knowledgeable about insurance and the process.”

– Michael, OH 3/04/15



How would you rate your overall satisfaction with your experience interacting with your LTC Consumer Specialist?

“Communicates well, keeps to promised phone schedule, etc.”

– Thomas, CA 3/05/15



“Rose knows LTC well and took the time and patience to explain details and answer all questions. The online consultation with the visual aids was very easy to follow. By starting a conversation about LTCI, I find that many people are interested in the topic.”

– John and Marsha, OH 3/04/15

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How would you rate your overall satisfaction with your experience interacting with your LTC Consumer Specialist?

“Professionalism, patience with consumer, ability to explain product.”

What did you find most useful about this process?

“Down-to earth explanatory process re: LTC.”

What would you tell a friend or colleague about your experience?

“Level of professionalism, approach re: explanations of coverage, patience.”

– Marilyn, NY 3/02/15

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How would you rate your overall satisfaction with your experience interacting with your LTC Consumer Specialist?

“Knowledge of subject. Presentation. Personal interest.”

What did you find most useful about this process?

“General information. Comparison shopping.”

What would you tell a friend or colleague about your experience?

“Excellent presentation by Curt. Chance to comparison shop.”

– Nevin, PA 2/28/15



“Bill knew what I wanted + found a lot of choices for me.”

What did you find most useful about this process?

“Ease of comparison of policies, and deal with rep in particular.”

– Anthony, NY 2/27/15



“The LTC Consumer Specialist [Curt Horowitz] spoke clearly and was very responsive as well as knowledgeable. We obtained clear answers to the questions that we had and we did not feel pressured to purchase.”

– Bryan, AK 2/14/15



“Curt was informative, direct and polite. He was also flexible in his scheduling and prompt. It was non-biased education about LTC Insurance.”

What did you find the most useful about this process?

“The ability to listen to the descriptions of the top LTC insurance companies and explanations as to the variety of premiums.”

– Paula, MT 2/01/15



“Bill was very informed and helpful, very knowledgeable about your product.”

– Larry, TX 1/22/15



“Learned about many options, which allowed us to be able to fit LTC into our budget.”

– Sandra, TX 1/15/15



“Very personable and professional and extremely patient. It was very beneficial to have someone talk you through territory outside of field of expertise.”

– Jane, AR 1/14/15



What did you find most useful about this process?

“Phone, computer screen coordination. It was convenient, not rushed, answered my questions.”

– Rebecca, CA 1/06/15



“Very patient, helpful, and recommended the right amount of insurance for me- did not try to overinsure me. It never felt pushy, just helpful. I feel really good about the entire process!”

– Janet, WA 12/26/14



What did you find most useful about this process?

“Going through the process while screen sharing.”

– Jill, IL 12/23/14



“Professional, courteous agent, interactive visual phone/computer presentation. No high pressure sales tactics, professional and informative.”

– Terri, NE 12/21/14



“Anyone who has Cathie Lewis as an agent should thank their lucky stars. Cathie was so patient with us when we asked questions and treated us as friends in her communications, whether it was by phone or internet. When we had to navigate the ins and outs of Long Term Care Insurance, she explained the different combinations of packages in clear, concise terms and answered the many questions we had. She used state of the art computer techniques so we could easily and quickly compare packages and make an informed choice. Thanks to Cathie we have peace of mind that we have the correct LTC for our future needs and we could not have made our choices without her help. Cathie is so knowledgeable about the industry and we highly recommend her as an LTCI agent.”

– Daniel, CA 12/19/14



“I enjoyed working with Cathie in my search for long-term care insurance. She was a very professional, customer focused representative with deep knowledge of long-term care products. This is a complex product with many considerations and she was very helpful in providing me with great information and guidance on the features offered by each carrier. She was also of terrific in helping me put together the application and ensuring that it was complete and clear for the underwriters.

Cathie always looked out for my interest and needs and was always there to answer my questions. I always felt she was working to help me solve a problem and find an answer. I particularly appreciated the extra effort that she put into developing a number of insurance options and helping me understand the financial consequences of each of them. What was particularly great was that she had a tool that let her construct various scenarios on the fly that provided me with cost and payout information using different assumptions.

I would highly recommend using Cathie. She represents the major carriers and can provide unbiased information on costs and feature across major carriers.”

– Victor, MN 12/16/14



“Cathie, I want to thank you for your awesome help through all of this! And I know your not done, but I feel a huge relief to be this far into the process. You are soooooooo good at what you do. I am very appreciative that you kept in contact with me to help me get the appointment to happen. I am going to tell everyone I know to call you for LTC insurance. If you want to send me a few cards I would love to give them out. You are the only person who called me back!!! I am loving working with you!”

– Alisa, CA 12/12/14



What did you find most useful about this process?

“The ability to view ALL plans and see the differences. Excellent Customer Support and Knowledge of Subject”

What would you tell a friend or colleague about your experience?

“The best place to start, to ask questions, and get knowledgeable help.”

– James, NM 12/11/14



What did you find most useful about this process?

“The screen presentation prepared with the information I gave in my initial information request . Curt had taken the time and interest to be fully prepared for our very first call. Curt has expert knowledge on this specific insurance and answer questions and asks pertinent questions that might effect needs.”

– Ilah, AZ 12/07/14



“Thorough discussions and explanations.”

– Thomas, FL 11/15/14



“Bill was very responsive, clear explanations of options.”

– Elizabeth, MD 11/14/14



“The plans are more affordable than I realized prior to my research.”

– Jim, KY 11/12/14



“No pressure, presented accurate information, very timely response.”

– Dale, OR 11/12/14



“Rose was extremely helpful and patient”

– Eileen, NV 11/12/14



“Rose was very cheerful, knowledgeable, patient and thorough. She followed through promptly and answered all of our questions. Before we spoke at length, provided us with written guides and other information. Then she offered to explain whatever we might not understand after we perused the written materials. Rose was very pleasant and professional and eager to find the best product for our circumstances without prying.”

– Barbara, CA 10/30/14



“Rose described all aspects of long term insurance and made us feel comfortable. Answered all of our questions and concerns.”

– Jerry, CA 10/10/14



“Rose was great to work with, great knowledgeably of LTC. She was very concerned about keeping us informed and helping us find the best fit for us.”

– Karen, AZ 10/08/14



“I felt comfortable asking as many questions as I wanted to and I felt that I was not pressured into purchasing the product. Rose’s ability to make me comfortable with the process and to educate me on issues related to long-term care helped me think outside the box. The agents are patient and very knowledgeable about long term care. There are no pressure sales techniques.”

– Joyce, CA 10/07/14



“The site led me to Curt Horowitz, a very professional and patient LTC independent sales person. Curt led us through all available options, explained anything we were unclear on, and gave recommendations only when requested.”

– Anonymous, IA



“Rob Chase was very responsive and followed through quickly.”

– Anonymous, CA



“It is easy to get the information online and to be able to speak to a “real person”.”

– Anonymous, NY



“Cathie Lewis was very professional & efficient.”

– Anonymous, LA



“Our agent, Rose Clayton, was superb through the whole process. I thought it would be strange purchasing such a policy without ever meeting someone, but her use of technology to hold tele-conferences helped us get all of our questions answered.”