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Curt Horowitz

National Sales Manager

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Curt Horowitz is the National Sales Manager for LTC Consumer.

Curt founded LTC Connects in 2007 which was one of the first agencies focused on selling long term care insurance over the internet. He assembled and trained a national team with the country’s top long term care insurance (LTCI) agents. Curt continues to innovate and lead the LTCI industry as he strives to help as many people as possible plan for the risk of long term care.

Curt began his long term care career with GE Capital (now Genworth) and served as a regional sales manager for Larson Long Term Care Group. Throughout almost two decades in the LTCI industry, Curt has led the market in creating a client-centered, virtual education experience. He has trained hundreds of (LTCI) agents on his online education process.

Curt has been an invited speaker at many industry conferences and events. He lives in Bend, Oregon with his wife and daughter and loves the outdoor lifestyle in Bend including golf, tennis, mountain biking, and most importantly – pickleball.

NIPR: 1635248
Licensed in: AK, AL, AR (#1635248), AZ, CO, FL, GA, IA, ID, IL, IN, KS, KY, LA (#455884), MA (#1848481), MD, ME, MI, MN (#40272999), MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX (#1487422), UT (#250155), VA, WA, WI, WV, WY

Here's what people have to say about Curt Horowitz...

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.”

 

“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.”

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

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

“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!”

“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.”

“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.”

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

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.”

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.”

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.”

“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.”

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.”

“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.”

“(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.”

“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.”

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.

“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.”

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.”

“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.”

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.”

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.”

“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.”

“Very knowledgeable and personable, good information to help make an informed decision, ease of technology use, no high pressure, friendly conversation.”

 

“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.”

“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.”

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”

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.”

“Personable, punctual, professional, careful , considerate, educational.  Curt Horowitz: a consummate gentleman .”

“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.”

“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.”

“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.”

“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.”

“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.”

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.”

“Being able to view information dynamically from Curt’s PC was a plus. Very informative about LTC insurance. Easy and informative.”

Curt provided my husband and I with knowledge of the program and guidance for selecting the right plan for us. Overall excellent experience.”

“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.”

“Very informative answering questions and concerns, patient, and congenial. He (Curt) was able to answer all questions to my satisfaction.

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.”

“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.”

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.”

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.”

What did you find most useful about this process?

“Personal contact & good written information.”

“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.”

“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.”

“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.”

“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.”

Curt was knowledgeable and made the information understandable by the average person.  The process is low key, informative, and not rushed.”

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.”

“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.”

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.”

“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!”

“Professional, courteous agent, interactive visual phone/computer presentation.  No high pressure sales tactics, professional and informative.”

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.”

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.”

 

“No pressure, presented accurate information, very timely response.”

“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.”