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Richard Horowitz

Consumer Specialist

Consumer Specialist - https://www.linkedin.com/pub/richard-horowitz/40/741/395

RichH_Web2

From personal experience as a Physical Therapist, Rich has seen the devastation that results when a loved one, family member, or valued employee unexpectedly needs long term care. Because of this, Rich is a passionate advocate for his clients.

Rich helps families and businesses protect their independence, assets, and peace of mind without pressure or obligation. His goal is to educate his clients on their options. Rich has a straight forward approach in assisting people on how to choose a customized long term care plan and provide innovative solutions for their individual needs.

A Pennsylvania native, Rich earned a Bachelor of Science Degree from Temple University and a Master of Science Degree in Physical Therapy from the University of Miami. In 2010, Rich ranked nationally in the Top 20 Long Term Care Professionals by AALTCI.

Active in the community, Rich has participated in the American Heart walk and the Susan G. Komen “drive for the cure.”  Rich has logged more than 2,000 hours of volunteer work in local hospitals and assisted physically-challenged children in various summer programs.

Rich resides with his three daughters, Sydney, Scotti, and Samantha. You will most likely find them at a park enjoying the outdoors or relaxing in their own backyard.

NIPR: 8636275
Licensed in: AL, CO, FL, GA, IA, IL, IN, KS, MD, ME, MI, MO, NC, NE, NJ, NY, OH, OK, PA, SC, TN, TX (#1594429), VA, WI

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

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

 

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

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

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

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

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

 

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

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

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

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

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

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

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

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

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

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

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

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

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

“Concise and on time, knowledgeable.”

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

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

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

 

What did you find most useful about this process?

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

 

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

Friendly and easy! Good communication.

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

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

 

What did you find most useful about this process?

“Shared online screen.”

 

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

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

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

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

 

What did you find most useful about this process?

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

 

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

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

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

 

What did you find most useful about this process?

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

 

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

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

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

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

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

 

What did you find most useful about this process?

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

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

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

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

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

 

What did you find most useful about this process?

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

 

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

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

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

 

What did you find most useful about this process?

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

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

 

What did you find most useful about this process?

“The explanation of all of the components.”

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

 

What did you find most useful about this process?

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

 

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

“Get the answers in a quick efficient process.”

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

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

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

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

“High level of attention to detail.”

 

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

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

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

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

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

 

What did you find most useful about this process?

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

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

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

 

What did you find most useful about this process?

“It was quick and easy.”

 

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

“The experience was informative, quick and easy.”

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

 

What did you find most useful about this process?

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

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

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

 

What did you find most useful about this process?

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

 

What would you tell them about your experience?

“Very informative and helpful.”

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

 

What did you find most useful about this process?

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

 

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

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.

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.

“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.”

“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.”

“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.”

“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.”

“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.”

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.”

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

 

“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 :)”

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

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

“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).”

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

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

“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.”

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.”

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.”

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

“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.”

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

“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.”

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

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

“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.”

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

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.”

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

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.”

“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.”

“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.”

“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.”

“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.”

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.”

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

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.”

Rich took the time to explain and answer, in detail, all of our questions and concerns.  No pressure.  Extremely knowledgeable about this type of insurance.”

What did you find the most useful about this process?

“It saved us a lot of time.”

Richard was very knowledgeable.”

“The information Rich gave was clear and easy to understand.  The online application process was easy to complete with the help of the specialist.”

“Provides concise information, answered questions well, stayed on point and made the process easy.”

What did you find most useful about this process?

“How knowledgeable Rich is and the advice he gave us.  He was very helpful answering all our questions and made us feel very comfortable! Excellent rep!  It was great and far exceeded our expectations!”

Richard was knowledgeable, patient and informative and timely.”

 

What did you find most useful about this process?

“Answered my questions and explained the details.”

 

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

“Good experience. Informative. No glossy sales pitches.”

Rich was very professional, patient with me and answered my questions in a satisfactory and courteous manner. He was very knowledgeable in his responses.”

Rich was very informative and took the time to explain everything. He was very patient with us with our questions.  I feel that we selected the best policy for our situation.”

 

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

“I would tell them that they should really consider LTC and that Rich will really help them find the best policy for them.”

Rich was courteous, professional, and helpful.  Educational, helpful, easy to understand.”

What did you find most useful about this process?

“The explanation of the process was clear and easy to follow”

 

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

“That all involved were friendly, patient and knowledgeable.”

Rich was very knowledgeable, helpful, timely in his responses, and friendly/approachable.”

 

What did you find most useful about this process?

“1. The apparent ease in identifying a good policy for us

2. Provided information to help with the large learning curve on LTC policies”

 

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

“The comments that I’ve already made, plus.. there’s a big learning curve in order to make an appropriate choice. I would suggest that they allow plenty of time for research and quotes. Find a rep that they feel comfortable working with.”

What did you find most useful about this process?

“The webinar connection.”

 

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

“Easy and informative.”

How would you rate your overall satisfaction with your experience interacting with your LTC Consumer Specialist?

“Professionalism, patience with consumer, ability to explain product.”

 

What did you find most useful about this process?

“Down-to earth explanatory process re: LTC.”

 

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

“Level of professionalism, approach re: explanations of coverage, patience.”