LTC Consumer Reviews

I have recently completed a Mutual of Omaha LTC application with Lisa **. This was the final step in a process which began with an extraordinarily thorough and erudite walk-through of the LTC benefits presented by Lisa via successive one-on-one Zoom sessions. The purpose of this review is to inform anyone who may be in a similar fact-finding situation as I was a few weeks ago that Lisa ** is an exemplary LTC maestra on many levels.

Samantha was amazing at helping me through the process of establishing LTC insurance. Our first meeting was even on a Sun afternoon because I wanted to get coverage quickly due to an upcoming mandate in WA state. She was professional, communicated very clearly each step of the process, and was very patient with all of my questions. I would not hesitate to recommended her to anybody needing LTC planning.

The process was quick and easy with the help of your agent, Ms. **. I had been considering this coverage for some time to avoid any putting any financial hardships on my family when or if I am required to go into a facility at some point in time as I continue to age.

I am very happy with my work with LTC Consumer. Dan ** is my agent. He is very organized and responds in a timely manner. He is knowledgeable about LTC insurance. I always feel like he is willing to answer my questions. He moves the process along but does not pressure me to make a decision. I feel respected and that my concerns and ideas are valid. I highly recommend LTC Consumer for long term care insurance needs.

Rich was, of course, knowledgeable and helpful. It was important for us to talk with someone who could help us navigate the business and its idiosyncrasies. We had done some homework ahead of time, and we were glad to see that Rich had anticipated some of the features we were looking for and the questions we would have.

I had requested information and potential application for Long Term Care Insurance. Dan helped us navigate the possibilities, provided visual representation by both online screen sharing and email copies of quotes. He was prompt and had great attention and follow through. Dan's professional nature and good advice was appreciated.

Sam was very helpful and explained everything about the policy. She was punctual on all the zoom calls and has kept me informed about everything along the way. The application process went smoothly except for some of the repetitive questions on the application.

Bill ** was very helpful to us in finding a plan that fit our needs. He answered all of our questions and was very knowledgeable of the process as well as the different products available. I highly recommend Bill if you're considering purchasing LTC insurance.

Jonathan ** was extremely professional in handling our situation. My wife and I had some apprehension about getting LTC insurance at first, despite the Urgings of my father-in-law. He ultimately showed us a budget-friendly tailored plan that put our reluctance at ease.

Responses were prompt. The information was excellent. Jeff **, Consumer Specialist is outstanding!!! No high-pressure sales tactics. Clear information and explanations were provided. Valuable assistance was given throughout the process of evaluation, decision, and application. Highly recommended without any reservation.

Bill did a great job helping me obtain long-term care insurance for my mother. He provided many quotes to make sure that we had all of the options before us. I am super pleased with his service and would recommend him to anyone considering long-term care options.

After researching this insurance product for two years my husband and I decided to move forward with Jonathan ** from Policy Genius and purchase a National Guardian policy. Jonathan patiently explained all aspects of the policy and made us feel comfortable and confident with our decision. We can now work toward full retirement knowing our assets are protected and giving us great peace of mind. I would highly recommend Jonathan if you are considering Long Term Care Insurance as part of your retirement plan.

Dan ** was a very helpful and professional insurance agent. He was able to answer all of our questions and exceeded the expectations we had for this experience. I would highly recommend him to anyone who is in the market for this coverage.

I worked with Samantha ** over the course of several weeks, during which we exchanged questions and information. Samantha was extremely helpful, calm, and encouraging, which removed the stress that I initially felt. Samantha is well informed and positive and I really appreciated both her cheerfulness and professionalism.

We submitted a form to the Ramsey Network for an insurance ELP and were contacted by Jeff. He was knowledgeable, efficient, kind and open to our timeframe. He found us different options and found us one that had very good coverage and within our price range. I would recommend his services to anyone looking for long term care.

We were so happy to have Sarae ** as our LTC consumer specialist. She's very knowledgeable, accommodating and responded to all our inquiries. We tried to get quotes from different companies for LTC; our decision to choose the company that Sarae offered was not only because of the company but how she presented it and made us feel valued and appreciated.

We all appreciate excellent customer service. You will find it if you work with Jeff **. He is a seasoned professional who is able to educate someone like me who doesn't deal much with insurance without making you feel dumb. He is very personable yet doesn't "overshare". (You know what I'm talking about!) He makes you feel that the time-worn phrase "the opportunity to serve you" is really true in his case. And you sense that he will be genuinely glad to help you in future if the need arises. Character matters to him, and he will guide you kindly through the never-fun task of purchasing long-term care insurance. Thank you, Jeff!

So far the experience has been great. Richard took time on the initial call to ask questions and determine our need. He then provided some customized solutions to meet our goals. I would describe Richard as knowledgeable of the various products, thorough, professional and efficient.

Jonathan ** made this often arduous process very easy. He was both educational and pleasant as he walked me through the details of understanding what Long-Term Care is and what would be best for me and our family. He was open to questions of all types and answered all of them fully. He was good at providing information on things to be aware of and to consider, but never offered pressure of any kind, only suggestions based on our discussions and the specific needs I had. Highly recommend his services for this type of insurance.

We appreciated Jeff’s professionalism and approachable manner in explaining the process and any terminology that we were unfamiliar with. The entire application process was easy and fast, thanks to his great customer service. We’re happy and looking forward to getting our new policy.

Working with Dan was quick and easy to do! I would totally recommend anyone to work with him if you have insurance needs. I reached out online (after office hours) and the next day (a Sunday might I add), I heard from Dan! He helped me find a LTC plan in Washington before the deadline! Many others turned me away (as everyone in Washington state scurries to find a LTC plan), but not Dan! My application has been submitted and now it’s in the underwriting process. Thanks Dan!

Jonathan fit us in very promptly. He very patiently answered our many questions and helped us choose the right product for us. The whole process was straightforward and transparent. He did such a good job that at the end of the call my wife stated that she was excited to sign up for this insurance.

Lisa was a super helpful advisor, walked my wife and I through many alternatives without being overwhelming. Helped us select an appropriate policy and was super efficient in execution. Strongly recommend.

We had a great experience. It was evident that our needs were taken into consideration and we did not feel pressured at all. Everything was well explained and all our questions were answered and explained. The pace was great in explaining different option while staying on topic and covering a lot of information quickly but thoroughly.

I first contacted LTC Consumer online to submit a request for LTC insurance to get some quotes. Received a fast response the next day via email from Kathryn **. From the first email, phone call and throughout the process so far (quotes, reviewing quotes, application process etc.), Kathy has been very helpful. She has explained the various options available based on what we were looking for, provided beneficial advice on what different nuances in the plans to consider and keep in mind when selecting a plan. She’s answered all questions raised and was very thorough in going over the different benefits in the plans without being pushy. Glad to be working with such a nice, extremely knowledgeable agent as Kathy. Would recommend her to all looking for LTC plans or other plans that are supported by LTC Consumer.

She was a great help getting my wife and I LTC. Many insurance companies are no longer providing LTC in the state of Washington given the surge of applications due to the new state payroll tax. We are grateful for all the work Lisa did to help us!

My husband and I had a great experience exploring LTC insurance options and ultimately applied for coverage. Due to the new, fairly unpublicized, Washington State Legislation, it made it a bit more challenging for us. However, Jonathan ** was excellent! He was professional, informative and very helpful during the process. We would highly recommend him to anyone.

We had a great experience with Jonathan. He was very thorough and didn't try to sell us anything. Great wealth of knowledge. He suggested the plan he felt would fit our needs but showed us all plans. Ultimately his suggestion was the one we proceeded with.

Jeff ** helped us apply for long-term care insurance with National Guardian. As Washington State residents under this new, upcoming excise tax and its one-time exemption, there has been a steep learning curve in a very short window of time, but Jeff has really helped us understand our options and what would work best for us, and then he guided us through the process.

Dan ** provided outstanding service. He was informative, never pushy, and performed follow-up with phone calls keeping me updated with the latest info. When under a tight deadline he was able to get me the policy that fitted my needs. My hat goes off to him!!

Cathy is simply a joy to work with. She patiently answered all my concerns and needs and made sure I had the right insurance solution that fit into my life and financial goals. She is quick, knowledgeable and responsive.

Jonathan was very upfront with us. He was patient and very kind. Although we were surprised at the high price of long term care insurance, Jonathan explained things in an understandable way. I would highly recommend Jonathan to others.

Rich ** was very knowledgeable about the various plans and helped my wife and I understand the plans as we had little knowledge of them. Rich was always quick to get back to us and always accommodated our busy schedules. The process was quite simple and Rich walk us through every step of it. It was a pleasure working with Rich.

1) I chose to pursue an LTC product through Zander due to its affiliation with the Dave Ramsey organization and was “assigned” to Rich ** who contacted me promptly, spoke professionally, understood my communication preferences, and was clearly knowledgeable. 2) With a few strategic questions and good humor sorting through my initial information, Rich was able to steer me in an appropriate direction and set up a meeting promptly. 3) I investigated online Rich’s professional background and was pleased to discover his level of experience and expertise.

Really loved working with Bill **! Bill helped us to quickly get a long term care policy in place in order to opt out of a state mandated payroll tax. He is knowledgeable, easy to access by phone and quick to respond to emails. He answered many questions and ran multiple scenarios for us to consider. We have already recommended him to friends and family!

Bill was recommended by Zander Insurance when I requested assistance in acquiring LTC Insurance through Dave Ramsey’s local endorsed provider service. Bill is very knowledgeable and he does not hesitate to share and explain unfamiliar terms. He is pleasant to work with and has flexibility in his schedule to adapt to the customer’s availability. The process was simple and painless. Thank you very much!

Rich, was very responsive from the minute we contacted Zander through the application. He answered all our questions and stopped periodically to make sure we were clear on his presentation. He explained things well. He was super punctual, which we value. He was straightforward.

Jeff helped us with getting LTC insurance. He is super pleasant, courteous and very easy to work with. He came with multiple options and answered the multitude of questions. He is responsive to emails and calls and made for a very pleasant experience. Thank you Jeff!

I had a variety of detailed questions and concerns about my insurance selection and application process. My Rep., Sarae, was extremely patient, informative and able to effectively work with me to find the best possible option for insurance coverage. I would highly recommend her to anyone seeking insurance coverage. She is a true professional.

Jonathan is an incredibly knowledgeable and helpful broker. He has patiently worked with us over the past 2 years. He has been sensitive to our needs and our limitations. We feel he is the best of what it means to be "in service" to clients. I wish everyone could work with Jonathan on their search for the right LTC product.

I appreciated the ability to set up an appointment to go over my options for coverage in detail. Jonathan was very helpful through the entire process and helped me identify a solution to my needs. I've already recommended that a coworker of mine contact him regarding his own long term care needs.

Jonathan gave in-depth description on long-term care, as well as, a well defined explanation on how the policy would pay out financially when the service would be needed in the future. I have a real good grasp of the ins and outs of my policy and know I can contact Jonathan when I need to.

Lisa made my policy selection experience very smooth. She walked me through all the options, explaining the pros and cons of each. The reduced the stress comes with shopping for my long term care. Highly recommended!

We found Cathy to be very professional and extremely knowledgeable regarding Long Term Care Insurance. Her personable and unpressuring approach was refreshing and a welcomed relief to insurance purchasing. Her meticulous regard to details and allowing us to ask as many questions as we required made our experience an easy one. We highly recommend Cathy to anyone requiring Long Term Health Care Insurance, and have already recommended her to several of our friends.

I reached out for Long-Term Care Insurance through Ramsey Solutions ELP link. Sarae was very helpful to my many questions and option changes as I was trying to figure out what the best plan for me would be as Washington State is now requiring all working residents to have a private LTC plan or pay a tax to have Washington States plan.

Rich H. Was very patient with all of my questions and repeated questions, this stuff tends to be kind of confusing to me so I appreciated his patience and explanation of the different policies and choices I have. Still confusing but that’s on me!

We enjoyed meeting with Jonathan ** this week to discuss our needs for long-term care insurance. Mr. ** provided excellent information without being pushy, answered our questions clearly, and was very good about making sure we understood the information he was presenting. We would happily recommend him to others!

Mr ** is extremely knowledgeable about LTC insurance and made learning about it, understanding our options and applying for the coverage a simpler process. We feel very fortunate to have connected with him.

Due to a change in legislation for Washington State, I knew I needed to find my own LTC insurance plan. I found Dan ** through Zander Insurance, and he was a great help through the research and application process. He was very thorough in explaining the different plans that were offered to us, and gave us insight into what he thought would be the best to match what the state will offer so we can opt out. He was very communicative and made the process easy. I would recommend him, and would work with him again if needed.

I have been looking for long term care insurance and I called Jeff **. He quickly gained my confidence as a trustworthy and honest person. He is friendly and not pushy. He helped me find the best LTC insurance to meet my needs and made sure that my application made the surprise last minute deadline. I have referred him to several friends and family members! He is fantastic to work with!

Lisa understood my needs very well and provided me the most fit options. She followed up some urgent changes quickly and notify me in time. I appreciate her transparency and patience during the process.

Approaching 60 and being avid Dave Ramsey fan, I thought it a good idea to purchase some long-term care insurance. Millie ** stepped us through the process and answered all our questions. We completed the app yesterday and Millie advised on what to expect from the Insurance company or their underwriter. I would recommend Millie to a friend, very thorough and informational.

I appreciate very much Cathy's attention to detail, her friendliness, and the depth of her knowledge of the products available. I would highly recommend her to friends and family. She was wonderful to work with.

I had a great experience working with Cathy. Nathan referred me and she provided stellar customer support. She gauged my level of understanding and then proceeded to give me information I needed. I enjoyed working with you very much.

Cathy was an incredibly responsive, wise and insightful guide through my LTC process, and allowed me to consider multiple choices and end up with a decision that feels extremely comfortable. I am grateful to her and would recommend her alone.

Jeff’s gifts in his patience, his thoroughness, his clarity, his ability to help us understand LTC concepts and provide answers to ignorant and sometimes challenging questions are second to none! Thank you, Jeff!

I was working with Lisa ** on applying for LTC insurance. From the very beginning, Lisa was professional and extremely responsive even during an unprecedented busy time. Within a few days, she had accurately provided the information I needed to make a decision on a plan and assisted me on submitting an application. Would highly recommend working with her.

Working with Bill, the representative who was assigned to me, was a pleasure. He was informed, polite and courteous and quickly answered my questions. I would should again using LTC Consumer if needed and would recommend to others looking for LTC insurance.

Jeff ** did a wonderful job helping me look at the various possibilities for long term care insurance. He provided me with several options, articles about long term care for information, and was a valuable resource in walking me through the paperwork. I would highly recommend Jeff to my friends when making their choice for LTC!

Dan was responsive, knowledgeable and appeared to have our best interests in mind when talking with Michelle and me about long term care coverage. In two sessions we were able to get through a topic we knew little about and explore several options for both of us. We wouldn't hesitate to recommend Dan to someone else.

Dan responded to my inquiry quickly and got me through the process with minimal interruption to my day. Further, he did so in the crush of a new government tax that has greatly increased his workload. I was impressed and am appreciative.

Rich called me back promptly and was completely transparent when comparing plans. He kept asking me "do you understand?" which reassured me and I was glad I learned a lot about long term care insurance.

Dan made the process of signing up for LTC Insurance quick, easy and painless. He explained the process thoroughly and took the time to answer any questions my wife and I had. If you’re interested in LTC Insurance, contact this company, you’ll be satisfied. A+.

Once we got a chance to talk with Jonathan it was a good experience. I struggled initially with getting an appointment with him. He seemed too busy to handle another client, taking another 2 months to get a set appointment. So it would have helped to have more information initially about setting an appointment. He explains all aspects of the policy well. We feel confident we have the right product for our situation.

Lisa was extremely helpful & patient throughout the whole process. I felt that she was very knowledgeable about the whole process and provided answers to our questions as we went through the process of trying to make a decision on the insurance options.

Dan was great to work with and took the time to answer all of my questions being honest and transparent. Made it easy to discuss options over the phone after normal business hours and able to view his screen to show us the documentation he created.

The representative, Richard **, was well informed, helpful, polite and knowledgeable. I feel like there was no sugar coating anything and that I was given the best options available. He worked with my husband and I to start the application process for LTCI with as much information as we could get.

The LTC insurance Rep., Sarae **, that I have been working with is great. She is well informed, provides good information, offers solid explanation and options on coverage and is extremely patient in her efforts to bring understanding to a big decision for me as a potential client. She is exceptional at what’s he does!

Working with Jeff has been great! Love that we can complete everything via zoom and over the phone. Really appreciate him working with me to to answer questions and get us the level of coverage I wanted.

Dan was responsive, helpful, and understood the situation so many people (including myself) now find themselves in with regards to the Washington Long-Term Care Tax. I appreciated that he considered my time valuable and made an effort to simplify and speed the process. I would recommend him to anyone looking for LTCi.

Cathy ** was a fantastic agent in helping me secure short-term insurance, which will be very comforting to me. Cathy was extremely helpful and knowledgeable, and I very much appreciate her professional assistance.

Rich assisted me with the review of the best LTC coverage for me. We had a couple of Zoom meetings to go over the product and recommendation. After having time to compare with a competitor’s product, I was comfortable applying for coverage. Rich made the process simple.

Lisa was very helpful in looking at various possibilities. She was not pushy and kept with me while I explored other companies. She was friendly, interested and worked with my unique situation and found a solution.

I started looking for LTC insurance over a year ago. I made contact with Lisa. She went over all the options with me, and at that time it was not feasible in my budget. I got things worked around and scheduled another call with her and got signed up. She is very knowledgeable and great to work with. Highly recommend.

Jeff listened to our needs, suggested products for us and took our feedback along the way so we felt heard and respected. We ended up with a product we're happy with and the submission process was a breeze. What could be better!

Richard was very professional and his communications skills are excellent. He was punctual and efficient, yet very personable. I appreciate that he has a pleasant, personal way of communicating the facts and options, and was very helpful in answering questions, considering I didn't have much information about long term health care insurance in general. I would definitely recommend him to a friend.

Dan ** was exactly the salesperson we were looking for in an agent. He was professional, knowledgeable and very thorough in his explanations of the type of coverage offered and in explaining what coverage was the best fit for us. I would highly recommend him to anyone.

Dan has done such a great job getting us started on our long term care insurance application. He responded to our inquiry promptly and helped us find the best option for our Washington state situation requiring a minimally acceptable policy. We greatly appreciate the assistance to this point.

Cathy was able to guide me through the process of purchasing long-term care insurance in an efficient and easy-to-understand manner. Quotes were explained thoroughly and responses to changes were incredibly fast. All in all, a fantastic experience working with Cathy F.

Lisa is friendly, informative and very patient as we talked about my options. She did good research and helped answer the many questions I have about LTC, and I believe we chose a good plan because of her help.

I truly enjoyed working with Tom Gilmour during the application process in determining what carrier and plan was best suited for me. He demonstrated astute skill in his presentation and his experience was most evident. Thanks Tom and I look forward to experiencing Mutual of Omaha's excellent protection in long term care.

Lisa was knowledgeable on each issue. She went above and beyond in addressing issues we had with another carrier, helping us attain the best possible outcomes. She was able to investigate all options and we feel we have the best insurance for our future needs. Lisa is beyond pleasant, she is fun to work with. Highly recommended.

Buying long term care insurance is something we thought about doing for a while but kept putting it off. I am so thankful we finally made the decision to pursue it. Jeff ** made the process easy to understand. His knowledge and professionalism was outstanding. He cares about his clients and is not just "selling" a service but really wants them to understand the importance of the plan. I highly recommend Jeff if you are looking into long term care insurance.

Bill was informative, knowledgeable and personable with his presentation of what Long Term Care Insurance coverage was available. Working long distance through internet meetings worked well and he coordinated times that were convenient with our schedule.

Rich ** was very knowledgeable concerning the LTC products, the benefits, advantages and disadvantages of each policy and associated Company. He answered all of the questions my wife and I had and helped us with the application process.

My wife and I worked with Dan **, an insurance broker out of Beverton, OR, recommended to us through the Dave Ramsey Financial organization. With **'s expertise, we were able to navigate the complex world of short and long term care for "end of life" issues. We found Mr. ** to be knowledgeable, able to answer all of our questions clearly while understanding our financial situation. He was prompt with getting back to us with alternative plan possibilities that met our long-term goals. We would definitely recommend him for "end of life" financial planning needs..

Jeff ** contacted my husband and I through the Dave Ramsey referral program. Jeff has been very helpful as we research our Long Term Care insurance options. He explained LTI very clearly and was informative. We appreciated the charts he created with our different options. Thank you Jeff for your patience, clarity and knowledge. Terry and Mia

My husband and I recently spoke with Dan ** about LTC. Dan was informative, patient, personable, and sensitive to our needs. He answered all our questions and answered some we did not know we had! I will definitely call Dan in the future, if we have any questions.

Dan ** was extremely professional, knowledgeable, and took time to explain about the LTC products as well as the various features of the policies. He also answered the multiple questions I had. All this led me to choose a LTC plan that I felt was the best fit for me. Thank you.

We were very pleased with our experience with Mr. **. VERY professional, knowledgeable, and kept us at ease! He explained everything in great detail and made sure we understood each step of the process to obtain long term care insurance. We would definitely recommend him to friends and family.

Bill ** was very helpful to my husband and me, as we shopped for the right LTC insurance. He made it easy to understand, and therefore our choice was simple to make. Bill was professional, always on time... and pleasant.

Millie was great - and I've dealt with another salesperson before about LTC and a dud compared to Millie. She is personable but not schmoozy. And she uses her tools so effectively. She has a "heart of a teacher" as Ramsey says. Approachable and efficient. That's a pretty good combination. I'd recommend Millie in a heartbeat.

Millie was excellent. She was very knowledgeable and easy to work with. She took the time to answer our questions and even did an additional call to answer questions that my son had. Very professional.

So far this has been a good experience. Catherine has been very willing to work with our schedules, even scheduling in the evening. The module she used was quickly interchangeable to adapt to different scenarios. Highly recommend.

I enjoyed working with Sarae. She worked within my needs and budget to provide multiple options. She also found a great option with a life insurance policy with a long term care rider. I recommend working with Sarae to anyone shopping for Long Term Care insurance.

We are highly satisfied by the guidance and thorough, honest explanations of the different LTC policies presented to us by Jeff **. He helped us to easily make an informed choice on which policy would suit our specific needs if we ever need to use LTC insurance.

Bill ** was extremely helpful in educating and guiding me through the LTC insurance process. Bill communicated with me in a timely manner, answering all of my questions via email or during the Zoom meeting. I felt comfortable with his knowledge and experience with LTC insurance.

Jonathan ** went above and beyond to help me find the long term care plan that would work best for me. He thoroughly explained the plans, what is provided and the costs. He is professional and compassionate. I would recommend him to my friends and family. I’m very happy to know my future has a plan in place, thank you Jonathan!

Jonathan ** very patient & fully explained the process. We talked more than one time--he answered all of my questions and made a difficult decision as easy as could be. Very thorough which I appreciate!

Tom gave a very complete and thorough of long-term care insurance options and considerations. He answered questions that I had not thought of, teaching me about the product rather than selling it to me. I highly recommend him.

We were very pleased with our experience working with Lisa and all her help in researching our LTC options. She was very patient in reviewing options down to the smallest detail. Any obscure questions or topics we wanted to know about she either knew or researched and quickly got back to us. We have not had any regrets or second thoughts with our decision. That reflects on how Lisa treats her clients.

When looking for LTC information, Ms. ** of LTC Consumer offered exceptional service! She was very knowledgeable and professional and answered all of my questions. I feel very comfortable and secure with my decision!

Dan made this process so smooth. He listened for the insurance I am looking for within my price point. I appreciate the ease of doing business with the online tools. I was provided clear explanation of the product and all of my questions were answered. The next steps were explained verbally and then followed up by email.

To briefly summarize, Rich was polite, considerate, knowledgeable and comprehensive. My wife and I appreciated his involvement and give Rich high marks for his part in guiding us through this process.

Jonathan helped me put together a long term care insurance policy that addressed my needs and budget. He did an outstanding job of simplifying the conversation and ensuring I understood was was being presented during the course of our meeting. I would not hesitate to recommend Jonathan to any of my family or friends.

I was very happy with Jonathan's knowledge of the products we were seeking. He guided us in the right direction and helped us end up where we wanted to be. The only reason I didn't give 5 stars was due to the reminders of our scheduled meetings. I received three texts and two emails, which seem excessive, and were pretty annoying to me. One text and one email would be plenty I believe. Anyway, that being said, I'd recommend him to anyone.

Cathy was very thorough in finding out what we wanted and how best to quote that and very cooperative with scheduling application process. She was very knowledgeable and professional, as well as, just simply a kind person. I would highly recommend her to anyone!

I started looking at Long Term Insurance based on Dave Ramsey’s advice. So I went to the Zander insurance website completed the form and soon after I received a call from Jonathan **. An appointment was made to discuss our options in more detail and in no time Jonathan found a policy that met our needs. He was extremely professional and thorough. It was a pleasure working with him.

Jeff was fantastic! He was knowledgeable about the different types of LTC ins. He was so patient to answer my many questions & so graciously give me so much un-rushed time. Also very personable so these discussions once turned into a 2+ hr phone call. After many phone calls, I finally made my best decision and I am so happy with it due to all of the information he was able to provide. Applied/ Approved /Done! Thank you so much Jeff.

Richard was very helpful and explained everything in a way I could understand step by step. He also explained the process and time frame it may take to complete the insurance that I'm applying for. I feel confident if I have any questions along the way, he'd be available to answer any questions. It was a pleasure to do business with him.

Jonathan did an excellent job with helping us understand the product that my wife and I purchased. One thing I would recommend, please don't send reminders out so early in the morning. I was on the west coast last week and received reminders at 4:30 AM. Thank You.

Millie was extremely helpful in guiding us in the purchase of our LTC policy. There were too many options to comprehend, but she simplified the selection. Her knowledge about all the different plans from multiple companies made her a credible resource to rely on.

Jonathan was incredibly detailed in the way he explained Long Term Care insurance to me. He was courteous, responsive to questions, excellent information provided regarding my questions, he was also very patient since we had some technical difficulties with Zoom video conferencing. I was having trouble downloading it to my computer and he waited calmly for about 10 minutes while I troubleshooted the problem on my pc. When I was finally able to open the app and video conference with him, he displayed a lot of poise as he explained the value this coverage provides and compared different providers and even how inflation would play a part in the value of long-term care and how each individual company deals with this issue. I was very satisfied with his professionalism and would absolutely recommend him to friends and family if they need this service. Regards, Alejandro **

Working with Jeff was a great experience, his professional, caring and patient demeanor made the purchasing experience much more enjoyable. Jeff took the time to present us with multiple options and helped us make an informed decision. Thank you Jeff, it was a pleasure working with you.

We began this journey thinking we wouldn't be able to afford long-term insurance. Jonathan continued to search different companies and came up with an affordable plan that we are happy with. I would definitely recommend Jonathan to anyone who is searching for options. He listens to your needs and is prompt/respectful of your time.

Dan ** was wonderful to work with - he spent a lot of time assisting us: presenting us with multiple LTC Insurance options, answering all of our questions, while always keeping our budget in mind. We could not ask for better customer service and we are grateful for the referral from Zander.

I am appreciative of the thorough explanations and adequate time spent to introduce the different LTC policies and what they cover. I was prepared enough to make a decision on what type of policy I needed to buy and what the benefits would be. Mike was respectful, friendly and patient. I would recommend him to family and friends.

Dan was very receptive to my needs and my concerns. He was consistent about contacting me and scheduling appointments accordingly. He is very knowledgeable and was helpful in picking a plan that suited my needs. I would recommend him in the future.

Both my wife and I appreciated Richard **’s approach and knowledge concerning long term care insurance. We would not hesitate recommending him or utilizing him in the future for other insurance needs. He was very straightforward, honest, and knowledgeable.

My experience with Millie ** was one of excellence. She took time to explain the long term care insurance process and was very professional throughout our contacts. I would definitely recommend her and your agency should I have a friend who inquired about the service. OUTSTANDING in answering questions and providing information.

My experience with Jeff exceeded my expectations. He truly does have a heart of a teacher. Super cordial, kind and responsive to my questions. Very professional and a great listener. I would recommend him to all of my friends. Great experience. I walked away feeling a sense of peace about my decisions. Exceptional!

Rich ** did a very good job of explaining pertinent issues relating to long term Care insurance. I appreciated his input regarding the selection of insurance companies and his explanation of their premium differences. He did a great job laying our the current cost of long term care, and how much coverage we should be looking for.

Bill quickly responded to my request for information about Long Term Care insurance. He showed great flexibility with his schedule and was able to meet with me based on my schedule. Bill is very knowledgeable and explained the different policies in an easy to understand manner and helped me to make the best decision for myself. I highly recommend working with Bill and buying products from him!

I recently inquired about getting a long term care insurance policy and I was assisted in this process by Jeff **. Jeff was thorough and patient as he guided me through what was best for my wife and I. At no time did I ever feel pressured to purchase something I didn't need. The level of service I received was outstanding and I highly recommend Jeff to anyone. Thank You!

My wife and I thoroughly appreciated the opportunity to work with Lisa ** when reviewing and deciding on a LTC insurance policy. Lisa was informative, down to earth, and spent all the time necessary for us to understand LTC insurance and to make the right decision. She was not pushy and did not try to "up-sell". We would highly recommend Lisa to any friend or family desiring to obtain LTC insurance in the future! Truly 5 star service!

Catherine has a great understanding and is very knowledgeable of the intricacies of such a complex insurance product as long term care. Her experience and guidance helped me make the proper decisions regarding the selection of my long term care plan. With her assistance I am confident that I have the protection I need for the very best value for my premium dollars spent. Once again, Thank you Catherine.

I appreciated my experience working with Jeff on LTC insurance. He was patient, explained clearly and thoroughly and answered my many questions. Jeff is a man of integrity and I would recommend him to others.

Jeff ** was amazing to work with. I believe him to be honest and sincere which I greatly appreciated. He made me feel comfortable with the decision I was making and never seemed intrusive or pushy. I truly felt he cared and wanted to help me to make the best decision based on my needs and financial capability. I am completely satisfied with my decision and that is all due to Jeff's integrity, honesty and caring nature.

Jeff ** was very knowledgeable and personable. He went above and beyond to help us understand everything, never hesitating to take as much time as needed. We feel he had our best interests in mind, and he guided us to a policy and company best meeting our needs. He never pressured us, and he always answered our questions with integrity. It was clear he wanted us to be comfortable with whatever we decided. He only wanted what was best for us. We would not hesitate to recommend Jeff.

My Agent Dan ** was very informative and helpful. He explained things very well and outlined the best options for my situation. He gave me time to think things over and was not pressuring in any way for me to make an immediate decision. I like that Dan was understanding and asked questions that pertained to my situation to help me make a better decision on the insurance that I would like or need. (Both on price and coverage)

Richard was very knowledgeable and treated us with respect. He was very patience with meeting our desires and needs. Timely input and easy to work with. Made the process simple and understandable. Helped tremendously!

Jeff was great in every aspect. He guided us through everything and made sure we understood all the information. He was very thorough and we felt confident that he directed us to the best program that fit our situation. I would definitely recommend he to my friends and family. Thank you Jeff.

Millie ** was extremely helpful and knowledgeable. She took time to explain and answer my questions. Her presentation was organized and informative. The materials forwarded to me were also helpful. I feel good about my decision.

Jeff was absolutely amazing to work with through the entire process of applying for Long Term Care insurance. He is extremely knowledgeable and a pleasure to work with. He was able to answer all of our questions and provided us with all options for selecting the policy that meets our needs. I would definitely recommend him, and as a matter of fact, I have already provided my sister-in-law with his contact information.

Rich was very helpful guiding us through the application for our long term care insurance policy. He was very patient and answered all of our questions. He was also very knowledgeable about the product.

Our experience dealing with Lisa ** to procure recovery insurance has been wonderful. Lisa knows her products and is excellent at answering questions and providing additional options when needed. We would recommend Lisa to others and will consider her if we have additional needs.

I first spoke with Richard about LTC about a year and 1/2 ago after contacting Zander Insurance thru Dave Ramsey. He explained the details of a LTC policy and answered all my questions. I wasn't ready to purchase at that time but appreciated his monthly emails reminding me he was there to answer any questions. I contacted him again this week and completed the application process today.

I have been very pleased with my experience and the service I received from Lisa **. She was very thorough, patient with my questions and request for clarity, and researched to make sure I would qualify. I appreciated her input and suggestions, yet she made it clear it was my decision. I would happily utilize her help again and would recommend her to others I hear may be looking into LTC insurance.

Lisa did an excellent job helping us sign up for long term care insurance. She was very helpful in answering our questions and was quick to respond back to us as needed. She regularly checked in with us as we went through the process of applying, waiting for approval and finalizing the policy agreement. I would highly recommend her.

It was a pleasure working with Lisa. She educated me and patiently walked me through the LTC process. She listened to my concerns and provided several options bearing in mind what my financial objectives were. I would gladly recommend Lisa to my friends and relatives without any equivocation.

My wife and I had a great experience exploring our options for long term care insurance. Sarae expertly guided us through the whole process answering all our questions and concerns. We now feel that our new policy will be a good fit us.

I submitted a request for long term care insurance on the Zander website. I received a prompt response from an agent, Rich **. He thoroughly explained my insurance options, was clear and concise in his explanations, and I was able to select the best product for my needs. He was extremely knowledgeable and able to answer all my questions giving me confidence I made the right choice. Thanks Rich and Zander Insurance!

Representative was very patient, and helpful. She helped me to thoroughly understand all aspects of the long term insurance. Representative was very helpful, and knowledgeable in answering any questions that I had. I would most definitely recommend her to others!

Rich was very helpful and thorough in providing the LTC insurance I was looking for. If I have any further need for insurance, I would have no problem in seeking out his services again! He was very prompt with everything he assisted me with.

Personally- I enjoyed the entire work flow. I found Cathy via Policygenius and couldn’t be happier to finalize. Professionally- I’m happy to recommend and collab together with Cathy given I deliberately do not provide/sell LTC directly.

Lisa ** took care of my wife and I when shopping for long term care insurance. She was extremely professional, knowledgeable, and organized and helped us navigate the process. We would recommend her to anyone interested in obtaining long term care insurance.

Nothing but the highest praise for Millie ** during the entire application process. She was thorough, clear in her explanations, prompt to return phone calls and emails, and always ensured that I knew the next steps and when those steps would occur. For a decision as complex and important as LTC insurance, Millie made it simple and easy. I talked with three other brokers during my evaluation of LTC -- but purchased through Millie because of her helpfulness, advice, and overall great rapport.

In general, Lisa was very good in terms of reaching out and supporting us. Two areas to improve - 1. Lisa was really busy the day we had our appt and probably would have been better to do the appt. another day, 2. Identify ways for the participants to fill out the forms at their convenience and then review with salesperson.

Lisa was a pleasure to work with! She made us feel very comfortable, and no question was too silly. She took time and helped guide us through all of the options. She educated us, which is a must for me! Thanks Lisa!

My husband and I were totally in the dark when it comes to LTC planning and somewhat nervous as we have seen what our parents went through balancing their finances and health issues and we live on a limited income. Cathy did a great job of guiding us, no pressure; and letting us work through the options and what would work for us and our budget. We had lots of questions but she was so patient and informative. Thanks so much for all your support and assistance!

Working with Millie ** was an absolute pleasure. She was friendly, knowledgeable and professional through the entire process. We went through the company and plan options and decided on what we felt was best for my family. Millie's experience and input were invaluable.

I was referred to Jeff through the Dave Ramsey website and Zander Insurance. I choose this route instead of trying to find someone here because I know when they are affiliated with Dave they are required to have a heart of a teacher. Jeff did not disappoint, he was very through and made sure I understood all the options. I told him I felt schooled not sold. I felt very comfortable talking with him even though we were talking remotely. I will definitely recommend Jeff if I come across people that need insurance.

Long term care insurance offered by Lisa ** (Mutual of Omaha). Lisa is excellent, she is fun to deal with and got through all the questions (of which there are many) in good timing. Lee and I would highly rate Lisa and recommend her.

Our LTC Consumer representative, Bill **, was courteous, friendly and professional in interactions with us. He answered all of our questions and was patient with my husband and me as we had delays due to technical difficulties. He explained LTC options available to us and was prompt to all of our virtual appointments. All of this was very important to us as we make the huge and important decision to purchase LTC insurance.

Appreciate Millie's vast knowledge in the LTC arena. Millie was able to answer our questions and concerns throughout the process of getting approval from Mutual of Omaha Insurance Company. Thanks Millie for your dedication to assist others.

Lisa was extremely helpful and patient with my questions. She was not pushy but was helpful in letting me know pros and cons of my options. She seemed very informed of what was available. I would recommend her if you are looking for insurance.

Lisa ** has been patient and most helpful in guiding me through the selection process for obtaining long term care. She explained the different choices and recommended a policy that fit my needs. She does not merely sell a product, but finds the proper type of care at an affordable price. I highly recommend her to others needing help with long term care insurance.

My wife and I were shopping for LTC and Jeff provided an exceptional overview of the various products and how they were structured for inflation. Jeff had proven experience in this industry and was more than able to answer our numerous questions. We spent a couple of briefing sessions together on Zoom and decided to move forward with an application. I found LTC insurance to be fairly complex and Jeff made it easy to understand.

I just completed an application for LTC insurance with Richard **. This was the result of a couple of Zoom meetings where Rich provided me with an overview of this type insurance and all the options available to me. He helped me understand the ins and outs of LTC insurance, which is quite complicated. I felt prepared to make an educated decision after talking with Rich. I also felt comfortable that he was being transparent with me and had a genuine concern to see that I chose the insurance best for my situation. I plan to recommend Richard to friends and family and I don't do that lightly.

Millie ** did a great job explaining the long-term care insurance itself. She provided a quote while we were on the phone with her. We were able to complete the application in our next meeting and everything flowed very smoothly.

Jonathan ** has helped us with an important life decision to secure long term care insurance. From the first phone call, he has been 100% amazing. His knowledge and guidance are exactly what we needed and because of that, we made our decision. Every company needs a Jonathan **!

Thanks.

My overall experience with Catherine **, LTC Conusmer Specialist, couldn’t have been any better. She walked me through all aspects of LTC plus a deep dive into the options focusing on my particular needs as the priority. She was thorough, extremely knowledgeable and was able to answer all my questions with a continual open line of communication.