“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.”