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Testimonials

“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.”

“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.”

“They communicate, kept us informed.”

 

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

“(This is) something they need.”

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.”

“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.”

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

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.

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.

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.

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.”

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.”

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.”

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.

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

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).”

“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.”

“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.”

“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.”

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.”

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

“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.”

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.”

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.”

“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.”

“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.”

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”

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”

“Gary is very easy to do business with. We appreciated that Gary not only offered options but also provided a recommendation.”

“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.”

“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.”

“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.”

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”

“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.”

“Excellent follow-up, informative, transparent, professional.”

“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.”

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.”

“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.”

“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.”

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.”

“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.”

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”

“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.”

“She has the heart of a teacher; she explained everything, and I was left understanding each step of the long term care process.”

“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.”

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.”

“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.”

“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.”

“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.”

“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.”

“Dan was informative, knowledgeable, patient, and kind. Explained several options according to our needs. (He) was not pushy and was very knowledgeable.”

“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.”

“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.”

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.”

 

“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.”

“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.”

 

“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.”

“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.”

“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.”

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.”

“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.”

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.”

“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.”

“She was very helpful through the process.”

“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.”

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.”

For what reason did you give a score of 10 of 10 for your overall satisfaction?
“Knowlegeable, goes the extra mile, customer oriented.”

“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.”

“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.”

“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.”

“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.”

“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.”

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.”

“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.”

“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.”

 

“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!”

 

“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.”

 

“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.”

 

“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!”

 

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

 

“Extremely satisfied, able to complete (application) at home, very easy.”

 

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.”

 

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

 

“Helpful and patient, helped us make a decision and move forward, informative and thorough.”

 

“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.”

 

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.”

 

“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!”

 

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.”

 

“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.”

“Personable, and understood policy, did not push for something we did not want. Good explanations.”

“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.”

“Very helpful, took time to understand our needs and worked to find the right product for us.”

“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.”

“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.”

“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 :)”

“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.”

“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.”

“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.”

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”

“Very informative, was first class all the way.”

“It was very informative and Richard was extremely knowledgeable.”

“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.”

“I appreciate Millie being so knowledgeable and considerate of our time. She also catered her presentation to our knowledge level.”

“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.”

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 .”

“Dan Payne went above and beyond in trying to find a plan that would serve our needs.”

“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.”

“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.”

“Very easy to communicate with, he showed us on the computer exactly what was going on.”

“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.”

“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.”

“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.”

“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.”

“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.”

“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.”

“Professional – Knew product – able to answer questions with complete understanding (to me).”

“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.”

“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.”

“Knowledgeable…Answered all our questions…Very polite!”

“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.”

“Dan listened well and provided intelligent guidance. Great experience. No problems. Dan is very knowledgeable of the whole process.”

“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.”

“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.”

“Richard is very punctual, efficient, patient in explaining.  It’s complicated with many options, you need guidance to choose.”

“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.”

“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.”

“Specialist was well informed, helpful and very nice.  Process was easy and we felt well informed.”

“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.”

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

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.”

“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.”

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.”

“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.”

“Polite, professional and efficient service.  Answered all of my questions and is working for my best interests.”

“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.”

“Our experience with the LTC Consumer overall was excellent. The agent was very knowledgeable and helpful.”

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.”

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.”

“She [Millie] is very knowledgeable and patient. She listens to her clients and try to come up with the best plan.”

“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.”

“Very helpful in helping me understand a topic I know nothing about.”

“She [Vickie] was very informative, no pressure, and always prepared.”

“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.”

“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.”

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.”

Millie is knowledgeable and communicates with professional confident.  And follows up after each conversation with an Email.”

“He [Bill] went above and beyond and was very patient with me.  Top notch customer service and very knowledgeable staff.”

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.”

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.”

“Very courteous and responsive, provided helpful and relevant information, but not high pressure.”

“Very knowledgeable, supportive, and unbiased in his information.”

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.”

Bill Wetmore was very nice and easy to work with.  He explained things and answered all my questions.”

“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.”

“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.”

“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.”

“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.”

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.”

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.”

“Very helpful at explaining the process.  They took the time to explain the process and answer any questions I had.”

“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.”

“Everything was able to be done online.  Easy to understand, fair pricing.”

“Knowledgeable, prompt, well-informed, and honest.”

“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.”

“Appeared to have vast knowledge of subject, empathy, & no pressure to move forward or purchase product.”

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.”

“It was very pleasant, friendly and informative experience going through the process.”

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.”

“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.”

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.”

“Her knowledge and expertise in making the process effortless and simple. Seamless process, great rates, reputable carrier.”

“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.”

“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.”

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.”

Rob was very helpful and easy to work with, he answered all my questions.  Easy, friendly process…very professional!”

Dan is easy to talk to and concise in his presentation.”

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.”

“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.”

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.”

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.”

“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.”

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

“Concise, clear and directly answered questions.”

“Very direct and explained things clearly.  Join.me was helpful and that he (Richard) could comparison shop with us and explain key differences between.”

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.”

“Knowledgeable and trustworthy without pressure.”

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.”

“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…”

“Was very helpful and very kind.  Was able to answer all of our questions.”

“Very informative, knows the process front to back.  100% satisfaction.”

He answered all my questions, kept us on track and was efficient with my time.”

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.”

“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.”

Millie was knowledgeable, patient and explained everything.  The entire process was made easy by my agent.”

Millie was efficient, knowledgeable, and kind.   All of our questions and concerns were answered politely and promptly and clearly.”

“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.”