LTC Consumer

I submitted a request for a quote online, and received a call from Richard ** with the information I needed. Right from the beginning, I was impressed how Richard listened to what I was saying, and found a policy that fit my needs, while being affordable. I didn’t even know such a policy existed. I appreciate that Richard was very patient with my many questions. I feel very comfortable with the choice I made. I would encourage anyone who would like to explore more insurance coverage to contact Richard. He was truly a blessing.

I appreciated the process with Jonathan. From the initial setting up of the meeting; to the weekly reminder of the meeting; the process of logging in for the meeting - seamless. The introduction of how we would move through the meeting was very helpful. I was then able to wait on all my initial questions because I knew they would be answered as we moved through the meeting. Jonathan took his time to explain each step and allow me to ask questions or voice concerns.

I was concerned that I didn't have longer-term care insurance. My therapist told me about how her policy is also like life insurance if she doesn't use it. I thought that was a really good investment. However, the interview was a little confusing. The customer service lady asked questions. I had to say that I was gonna tell the truth and then she said that this part of the interview is over. Then, she started asking me more delicate questions. I answered them truthfully as they could always look at my medical records. I got a letter from the company and they said that was why they turned me down. The lady was very professional. It was just something that I was uncomfortable with.

LTC’s price was appropriate. It was a lot better than I expected it to be. The enrolment process was easy although it's always uncomfortable for me to talk to someone I don’t know with personal information like putting my social security number in a document. I keep a pretty close tab on my paperwork, so I would notice if there was something wonky.

Updated on 06/03/2020: I am very grateful for the assistance of the agent that I worked with, very professional, knowledgeable and kind. Due to a long standing health condition I did not qualify for the first plan I applied for. The agent I worked with was pivotal in finding a plan that I did qualify for and I am grateful to now have long term care coverage in place. I am sure I would not have successfully navigated through the search for a plan that I would qualify for on my own.

Dan was on time, clear and informative. He was knowledgeable of the LTC industry. The software he used so we could see exactly what he was talking about in real time was excellent. He moved the process along and answered our questions effectively. The attachments he sent us were helpful. The quotes he sent us were laid out in a way that helped us make decisions quickly. The Mutual of Omaha brochure helped us to understand the items on the quote too.

My agent, Cathy **, was extremely knowledgeable and answered all my questions completely - provided all information about LTC options. I was very impressed and would highly recommend her and LTC Consumer to anyone looking into such insurance. The plan we settled on was tailored by the agent to my coverage needs, my budget, and my LTC goals.

Application for LTC. I worked with Lisa ** to apply for my LTC. She was wonderful! Very knowledgeable and looked for what fit my situation the best. Also very professional, yet personable and fun to talk with!

He went through all the items for an application, answered every question and helped me pick the best plan. No salesmanship no hype. Just what I felt was best plan for me. Finished in an hour and a half. Should have talked to him 5 years ago. Highly recommend.

Jonathon was extremely knowledgeable and took great care and spent time explaining everything To us in an understandable way. The program he used was easy to follow and we felt good about his suggestions. We felt he wanted to help us make the best decision for us. It’s obvious that he cares about his clients and enjoys his job and helping people.

Bill is very patient with us, we had to cancel our meetings a few times because of finances and family situations but he stuck with us and was able to help us apply for LTC insurance. It was a great experience. Will recommend him to my family and friends!

WE had a great experience working with Millie regarding our long term care planning. She was very professional and patient to go over the terms with us, sometimes even twice! Would definitely recommend her to others!

Cathy’s experience and knowledge provided me the insights and confidence to know I made the right choices in LTC for me. She worked around my schedule and coached me through the expected processes to ensure ease and completeness.

Sarae was very helpful and knew what she was selling very well. She kept things simple and explained things well. She also took her time and didn't try to hurry us through anything and even would go back to explain things to us again as needed. Sarae was very personable and asked about us and how things were down in Texas during this crazy time. And at the end, she would even apologize for running long on the appointment. No apology necessary for a job well done. Thank you ma'am!

I emailed Zander insurance and within A couple of hours Jeff called. He was prompt and prepared with information that I needed. He was thorough, very courteous and respectful of my time.

I was blown away by the professionalism. I felt that I was not talking to a car salesmen 2 minutes into our meeting. I was actually talking to a human being that had our best interest in mind. Never was pressured into any different plan. Just was shown different plans and pointed out the differences but that the ultimate decision was ours. Thank you. Thank you.

We meet Dan through a third party connection. From the first moment Dan put us at ease with the process, explained each step completely and assisted us with completion of everything. He was professional and very knowledgeable with all information. We were very pleased with the experience.

I went through Dave Ramsey’s website to look for Zander Insurance. I then went to Zander Insurance, which was how I looked for long-term care insurance. Next thing I know, I got a call from the LTC people. The lady was very knowledgeable and helpful. Everything worked out really great.

The consumer specialist Sarae ** has been dedicated to providing us the best long term care planning. She was professional and had in-depth knowledge of the product and process. We are glad to work with her. We recommend her services to anyone in need of this type of service.

Richard was very helpful and informative in explaining this product. He answered all of our questions and provided easy to understand explanations. I felt very informed about long term care insurance before we made our decision to proceed.

Richard was very patient, professional and exceedingly knowledgeable of his products. He did not get upset with our multiple questions and was very low pressure. We felt very content with him, his product and its benefits. Being also in sales I really enjoyed and appreciated Richard’s sincere and caring style.

Very happy with the service provided. Millie was knowledgable, respectful and easy to talk to. She was patient with each loose end we had to tie up and guided us through the process with ease. Thank you again!

As a caregiver for three of my loved ones who did not have long term care insurance, I understood the physical, emotional, spiritual and financial stress that can overwhelm a family. In my desire not to put this burden on my children, I decided to navigate long term care planning and I was led to Dan ** of LTC Consumer Specialists through Zander Insurance. Dan was very patient, knowledgeable, attentive and receptive to my many questions. His detailed and thorough explanation convinced me that this is the right thing to do.

Jonathan was very pleasant, and knowledgeable. He explained things extremely well and gave me the opportunity to ask questions. He was very professional and did not become upset when I answered a health question wrong. This resulted in him having to redo the application. I would highly recommend him to anyone.

I just got my LTC Consumer policy and didn’t have any complaints. I got it in the mail two days ago and mailed it back.

My husband and I are very pleased with the assistance Mr. ** gave us during our search for LTC insurance. Additionally, he has assured us that he will stay with us through the process of underwriting, assisting us in any way necessary during that time. At this time, we would recommend him to a friend. We will follow up once the entire process has been completed.

It was Mutual of Omaha who worked for us as far as long-term care insurance. The rep was very friendly and answered all of our questions. Everything was explained well. My husband went through the process and everything looked good. And then his doctor increased his regular medication. The woman told him that shouldn’t be a problem but we found out a couple weeks ago that he was denied.

Lisa ** was excellent in helping us choose a Long-Term Care Plan. She was most informative and was able to answer all of our questions! The process was very easy! This is a difficult decision and she was very understanding and led us through it!

We worked with Sarae ** to explore options for Long Term Care insurance. Sarae was able to answer all our questions and was very thorough in explaining the process to us. We would use Sarae in the future for any insurance needs.

Jonathan ** did a great job laying out the LTC landscape for us and helping us to make a good decision. He is a real pro and extremely knowledgable. We felt he went out of his way to be transparent. We had the confidence to sign up at the end of his presentation and he facilitated the application smoothly. One thing: the process can be time-consuming, so make sure you have a good window.