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Testimonials

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.”

Gus was always willing to provide answers to questions that I had. He followed up but not overly pushy.  Good product and good person to work with.”

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.”

Gus Altazarra, LTC, representative has kept in touch with me for almost 2 years until we were able to afford LTC coverage so we applied. Friendly, patient, clearly explained the details of the policy we chose and was referred by Zander Insurance which we do our other insurance policies with – so highly recommended.

Well organized and easy to understand application clear definition and answers to all my questions.  Gus is very knowledgeable in this field of LTC and I will be providing him as a referral to my friends and business associates.

No crazy sales pressure – no overflowing of emails just a casual call twice a year to let me know he was available to answer any questions and when ready for discussion to contact him. Gus was considerate & respectable of my time.”

“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!”

Gus was very patient, didn’t push me or try to “sell me”, and was thorough in his answering of my questions. I felt like he was genuinely concerned with my well being, not his commission.  Very educational, relatively easy to navigate through the process.”

 

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

“That Gus will listen and provide appropriate plans for consideration without coming cross as just wanting a sale. It was almost a year from our first contact until I bought.”

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.”

Bill took the time to explain all aspects of the insurance and provided choices for us to look at.”

 

What did you find most useful about this process?

“The information provided and peace of mind that this is the right product for us.”

 

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

“Excellent sales process not pushy, education, price.”

Gus took the time to explain thoroughly all of my options. He did not pressure me to buy. For this reason, I returned to give him my business after my initial consultation with him a few months ago.”

What did you find most useful about this process?

“The convenience of doing it at home on the computer.  It was easy to do and understand.”

Dan did an excellent job of explaining LTC and process of obtaining LTC insurance.”

“Even though “life” got in the way a few times before the process was completed, he [Rob] patiently worked through the distractions & answered all of my questions. I felt that I could trust him during the signup and in the future as well.”

 

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

“Overall, I trusted the source of information and never felt “talked down to” or pushed to buy a product I didn’t understand.”

He stayed with me and worked around ‘My’ schedule throughout the whole process, and that was not a easy task for him to do! It is appreciated.”

 

What did you find most useful about this process?

“Information Rob shared with me concerning types of insurance, the process as a whole, and the eligibility process.”

“Very attentive and knowledgeable about the plans available to me.”

Rob was very careful in explaining everything.  Very helpful in helping us determine what we needed.”

“Very thorough, upfront, courteous and informative.  So convenient. We thought it would be a very long and drawn out process, but it wasn’t.  It’s simple and straight-forward. No gimmicks. Just honest information without a pushy “salesman” attitude.”

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.”

“It was easy to contact your company and Dan’s response back was very quick. He was also very knowledgeable and helpful, but not pushy.”

 

What did you find most useful about this process?

“Knowing there were many options to choose from, yet Dan was able to guide us to which were the best options for us. Then gave us some time to choose from those options.

 

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

“You’re easy to work with and have many good products so they can find the one which is best for them at the best price.”

Dan knew his product and was able to answer all my questions. He was very considerate about my time also.  Good service and a reasonable price for my policy.”

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.”

Rob was very knowledgeable and polite.”

Rose has been very helpful in understanding all aspects of my insurance needs.  She provided me with information about what is included that I was not originally aware of.”

 

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

“I would tell them that Rose can be depended upon to follow thru even when I drop the ball!”

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

“Important for friend/family to think about and consider.”

“The experience was easy, no high pressure sales, good experience.”

He answered all my questions and worked energetically to give me the best LTCI policy possible.”

Rob was friendly and was clear on the entire process.  Looking at Rob’s computer screen during the phone calls helped keep everything clear.  He was personable but not pushy. I never felt I was pushed into anything I didn’t want.”

Rob was thorough, timely, professional, and patient. It was a pleasure to work with him.  He was very knowledgeable about the product and process. He answered every question thoroughly and without delay.  Thank you for helping us achieve our goal of cost-effective long term care insurance. We look forward to many years of a good relationship with you. Thank you.”

“Very relatable agent. Was able to make this process very understandable.  Efficient. Knowledgeable agent. No hidden agenda.”

“He [Rich] was a teacher as well as an agent. He wanted us to understand what all the components were before we committed to a policy. He was also friendly and not high pressure.”

 

What did you find most useful about this process?

“Understanding the different aspects of LTC and how I can control the cost.”

 

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

“Expect a friendly teacher that will guide you through the process without high pressure.”

“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.”

“Very pleasant to talk to. Very informative/knowledgeable choosing a long term care policy.”

 

What did you find most useful about this process?

“Looking at his screen on my computer & filling out application together.”

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

“f they want the best service with a very nice and knowledgeable person give her [Cathie] a call.”

“The webinar format allowed us to see information even though we did not live in the same town as the LTC specialist.  Setting up appointment is important – and be prepared to answer questions. This method allows you compare insurance companies and see what is best fit for you.”

Cathie was fantastic explaining all our options and providing pricing. We had several stops and starts along the way and she could not have been more kind and patient.  She was invaluable and made sure we had everything we needed to proceed.  Look no further. You need this insurance, get it done.  Cathie will guide you the entire way.”

“Very informative. Did not seem biased to a particular company. Tried to fit the company to my needs.”

“He was very knowledgeable and understanding.”

“I have been in contact with several agents from different insurance companies with no good results, Cathy Lewis from LTC Consumer was so helpful and explained the plans offered in great detail. It was made clear to me how LTC insurance works and why it is a good idea to have some protection in place as we get older.”

Dan listens and responds accordingly.  Dan is knowledgeable, helpful, and communicates clearly while explaining the coverage and the process.”

Rob is friendly, thorough, and always takes time to explain anything that we question.  Realizing that we needed to get ourselves into the aging reality and that we needed to become informed. Rob was right there to help us.”

 

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

“I would tell them that Rob is informative, educated about Long Term Care, and above all, honest!”

Gus is very professional and knowledgeable. He has explained everything to us and made sure that we understood.  Gus explained things well and always answered all of our questions. Also, the links that he sent for us to read about LTC insurance were very helpful.”

Rob was informative, attentive and timely. I was hoping to lower my premiums from my UNUM policy but ended up with a more comprehensive policy costing more. I learned more about coverage and what it entails.”

“I kept putting him off, unsure, he was patient and spent a lot of time.  Answered questions.  Went above and beyond.  I understood what is complex.  He explained it all clearly.”

 

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

“Good experience. good documents good product happy with it.”

What did you find most useful about this process?

“The quick availability and response via phone and email; the ability to use “Glance.net” to see the presentations and policy details was extremely helpful.”

 

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

“Their questions will be answered in a timely fashion, and they will have the ability to make an informed decision.”

Gus and his assistant gave great service, they very courteous, prompt and helpful.”

Rob was an excellent communicator and knew how to present the best plan for my needs.  Rob does not rush you and is willing to answer questions.”

“This was a much better experience than I have ever encountered when applying/purchasing insurance.”

Richard was very friendly and patient with me. I felt quite comfortable with him.”

 

What did you find most useful about this process?

Richard’s knowledge of the product and his ability to explain it in layman terms.”

Mr. Wetmore was extremely helpful, professional, and gracious.”

 

What did you find most useful about this process?

“The ease of obtaining the information, exchanging information, and filling out the application.”

 

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

“Foremost, that this type of insurance is necessary. Secondly, that having an agent that is informed, patient, and helpful will make the process that much easier.”

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.”

“Very clear, personal and helpful descriptions of policy and options. Very knowledgeable.”

What did you find most useful about this process?

“Explanation of policy differences and making sense of a somewhat confusing LTC industry.”

 

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

“Questions are answered promptly and completely and different options for both coverage and cost are provided.”

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.”

“Very well informed on the facts. Personable and respectful. Willing to give opinion or suggestions.”

 

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

“Very simple and informative. Gives pertinent info for today and the future.”

Rose was professional, prompt, knowledgeable, and very easy to work with.”

 

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

“It was hassle free”

“Everything was handled very professionally and efficiently.”

 

What did you find most useful about this process?

“Having the various features of the selected policy explained and having the agent’s recommendations with reasons why they were made.”

 

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

“That it was educational, efficient and professional.”

Rob was educational, friendly, and we never felt pressured while we made our decision. He was outstanding on follow through and communications.”

“Our agent was professional and knowledgeable. Easy to understand and prompt.”

 

What did you find most useful about this process?

“Knowledge of the different insurance companies and experience of Rose, our agent.”

Rob explained everything very well. He is articulate and made the process comfortable.  I would recommend LTC for the ease of application process.”

 

What did you find most useful about this process?

“The appointments being set at my convenience and the web access to the slides and forms in the presentation.”

“It may be an important part of end of life planning.”

“Excellent recognition of needs.  Wide array of insurance carriers.  It was fast, comprehensive and informative.”

“My LTC Specialist is very patient in explaining things more than once for my understanding. She is very pleasant to visit with. She has good understanding of her product. She prepared me well for appointment in my home with the insurance nurse. There have been no unnecessary delays at any point in the process.  She has excellent communication skills and is able to give good explanations. That is most helpful when discussing a product about which I had no previous information. It has all been positive.”

“Excellent follow-up; extremely knowledgeable.”

“We learned a lot through the materials provided.”

Dan was extremely helpful and patient in explaining the many options available.”

 

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

“That I spoke to a knowledgeable and helpful professional who took the time necessary to explain the whole underwriting process.”

Rich answered our questions and explained the process well.  It helped us understand what was necessary.  We were able to understand what was expected and what we would receive for the long term care.”

What did you find the most useful about this process?

“The one to one presentation as well as the printed materials.”

 

What would you tell them about your experience?

“That it is something you should try without second guessing that it is too complicated.”

What did you find the most useful about this process?

“Guided through process. Excellent, thorough explanations. Personable.”

 

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

Rob is professional and patient. Helped us to understand LTC.”

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.”

Bill was very diligent, professional, proactive, and supportive.”

What did you find most useful about this process?

“Personal contact & good written information.”

“Easy to follow, knowledgeable of the policies.  They know all the details about long term care insurance.  They can compare costs to other companies.”

“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.”

Gus was informative; knowledgeable; and patient.”

What did you find most useful about this process?

“Being able to interact on the representative’s computer and see what he was seeing as he explained everything to us.”

Dan was very polite, friendly, answered all questions patiently, tried to work around our schedule.  Provided helpful information.”

Rose was very informative, professional, patient, and knowledgeable.  Easy to do over the computer.”