Millie Frambach - LTC Consumer

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

-Chris, MA 2/17/2020

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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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“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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“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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“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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“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

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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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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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“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

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“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

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“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

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

-Glenda, MN 10/31/18

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“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

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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

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“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

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“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

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“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

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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

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“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

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“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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“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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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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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 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?

“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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“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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“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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“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

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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

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“She was very helpful through the process.”

-Michael, MI 6/17/17

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“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

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“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

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“Millie was very professional and courteous. She also did not give up working with my hectic schedule.”

-Harold, GA 05/03/2017

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“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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“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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“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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“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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“She [Millie] was knowledgeable, explained the concepts well and was pleasant.”

– Mark, TN 11/23/16

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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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“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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“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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“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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“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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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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“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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“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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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

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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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“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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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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“Only place to go for your LTC!”

– Barry, SC 6/13/15

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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

Millie became interested in long term care insurance (LTCI) after personal family experiences. She understands the costs, both emotionally and financially, when a family member or loved one requires extended health care.

As a result, Millie is a passionate advocate for her clients as she educates them about their LTCI options and assists them in navigating the underwriting process.

Her goal is to educate consumers about long term care insurance and help them choose a plan that’s comfortable for their budget and provides peace of mind.

A graduate of Marquette University in Milwaukee, Wisconsin, she and her husband David live north of Boston in Amherst, New Hampshire. Active with her family and in the community, she raises funds each year for the Alzheimer’s Association.

When not discussing long term care insurance, she enjoys the occasional opportunity to travel.

NIPR: 8596976
Licensed in: AL, AZ, CO, FL, GA, IA, IL, KS, KY, MA (#1884247), MD, ME, MI, MN (#40435519), MO, MS, NC, NH, NJ, OH, OK, PA, RI, SC, TN, TX (#1991759), VA, VT, WI

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