Cost of Care
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Testimonials
I had read and listened to many financial experts on the benefits of LTC Insurance and felt it was something that I should consider not only for my own sake but for the sake of my children. I wanted to continue to have a loving relationship with them but I did not want to become a burden and I felt that this insurance will help me achieve this, especially the ability to have care in my home from an outside source. The two issues I faced in making this decision were 1) How much coverage do I really need to purchase, and even more importantly, 2) Who can I really trust to give me that information. That was my biggest concern and that is where the blessing comes in – I, thru the American Associaton of Long Term Care Insurance was put in touch with Don Strickler. The moment I spoke with him and he was able to answer all of my questions and was able to provide me with a tremendous amount of information addressing all of my concerns, I knew I had found someone who was knowledgeable and, I felt, I could trust. He recommended very highly rated insurance companies and made the comparison process of choosing between benefits, costs and companies a very simple to understand process. He never once applied pressure to purchase and was always very patient and professional. I would highly recommend Don to anyone who is looking to purchase LTC Insurance, especially if you are like me and hesitant about dealing with “a salesperson” – he is not that – he is a LTC Insurance professional who is willing to share his knowledge and experience with you.
Nancy
As we began our research into long-term care insurance, we were referred to Don Strickler through the American Association of Long-Term Care Insurance. We are so happy that we were connected with Don. He took the time to listen to our needs; presented several options; and walked us through the features, benefits and differences among them all. Throughout the process, he was always very responsive to our questions and truly helped guide us to make the best decision for our needs. At no time, did we feel that he was trying to “sell” us a specific policy. It was a very collaborative process and we strongly recommend Don to anyone interested in purchasing long-term care insurance.
Doug & MaryCary, Illinois
Jamey and I would like to thank you for your guidance and support as we sorted through the different options for our long term care policy. We were very appreciative of your patience and clarity as you helped us understand the many kinds of policies available, the range of care and benefits, and the price-structures that apply to the different products.We especially appreciated your advocacy for us when our chosen provider decided to alter the original terms of our policy after a less than ideal result in one of my husband’s medical tests. Your support for us helped us reach an acceptable compromise that kept us and our provider feeling good about our final policy. We are very relieved to know that we have a great policy that will support us when we need it but most importantly, keep our family free from the pressures of difficult medical and financial decisions during our final years.Again, we are grateful for your kind and expert guidance through this process. Thank you for your excellent work on our behalf!
Mary K. and Jamey H.Oberlin, OH
We were very skeptical about Long Term Care Insurance when we started this process of exploration. When we found Don and his agency, we found him to be not only very knowledgeable but he was also very patient with us. He worked with us to tailor the coverage that was best for us and while we were very skeptical at first, we came to trust Don and we are pleased and comfortable with the decision we made in terms of taking his recommendation. We found Don to be the ultimate professional as he is not “fee driven” but very relationship oriented. We would highly recommend Don as an agent and guide for choosing the appropriate Long Term Care coverage plan.
Rich and Helayne Beachwood, OH
My wife and I were very pleased to have Don Strickler walk us through the entire process of selecting and applying for LTC insurance. Don was very knowledgeable about the current market for LTC insurance and did a great job of explaining the pros and cons of different product options and the companies that provide them. After a few exchanges of e-mails and phone conversations with us to better understand our needs, he tracked down and compiled a menu of rate options and insurance providers. Don always accommodated our busy schedule and, when we finally selected our preferred option, he greatly simplified the paperwork for us. He followed through with the insurance company on our behalf through the end of the approval process.
J.W. Glen Ellyn, Illinois
After placing my mother in-law in an assisted living facility recently, my wife and I quickly learned how expensive this process was going be and it became obvious to us that we needed to do something to protect our assets from these possible future costs when we may need long term care. I was referred to Don by the American Association for Long Term Care and he initially gave me an array of quotes from various insurance companies so that I could get an idea for the costs that would be involved with these policies and he warned me that this was going to be a process that we would have to work through to get to a policy that would fit both our needs and our budget. After getting these initial quotes, I found that long term care insurance is like a buffet table and you would have to pick and choose the variables that you want, to make up your policy – elimination period, benefit period, benefit amount per month, inflation protection, shared care, etc…, each of which of course, had its own effect on the cost of the policy. Needless to say, my head was spinning and I did not have the information to make an educated decision, and this is a big decision because you will be paying for this for the rest of your life. So to gather information, I decided to talk to more than one agent, along with searching the internet. I decided I would talk to a representative from each of the Mutuals – Mass Mutual, Northwestern Mutual and Mutual of Omaha. In the end, Don earned my business because I found him to be the best resource – he has an in depth knowledge of the long term insurance industry (statistics behind the various variables, products offered by each of the different insurance companies, differences between the products, etc…) and he answered each my questions in a clear, straight forward manner that any layman could understand, and he never once pressured me in any way to make a sale. I appreciate Don’s efforts in getting my wife and I into a policy that I think we will be extremely happy with in the future.
DL & SL Deer Park, IL
I was very unfamiliar with the entire topic of long-term care insurance. Don presented the information in an easy-to-understand way, allowing me to make an informed decision tailored to my specific needs. Don is very knowledgeable and professional, and happily answered my multitude of questions. Don is not a high-pressure person– he realizes this is a decision that cannot and should not be made quickly. I would highly recommend Don to anyone who is considering purchasing long-term care insurance.
PamIndiana
I was purchasing LTC insurance for my mother and found it to be an impossible maze until I got in touch with Don. He was extremely helpful in answering all of our questions, taking the time to understand what we needed, and providing us with several good options to work with. We likely would never have figured out to get the type of coverage we did — and we certainly would not have found as good a deal on it — without his assistance. Plus, he was always friendly and pleasant to talk to. Thanks, Don! We mean it — thanks again!
Tom
I want to thank you once again for your help with our decision on our long term care policy. By the time I called you we were already in a difficult situation in trying to decide between policies from two people who we personally know that were offering conflicting advice. Your help in clarifying the pros and cons of each rider and policy type helped us make a decision that we feel confident about. I am sorry that we did not end up purchasing a policy through you, but our prior relationship with the other person swayed us that way. I am impressed with your willingness to help us even though others were already involved and your change of a sale was reduced from the start. Your sincere willingness to offer advice is greatly appreciated. I will keep your contact information so I can pass it on to others who are searching.Sincerely, Sincerely,
Myrna G
Just a quick note to tell you how much we appreciate your assistance in helping us secure long-term care insurance. As you know we were unsuccessful in the past, due, I believe, to the lack of persistence on the part of another organization. You were a pleasure to work with, responsive, persistent and professional. Your friendly demeanor and expert knowledge base made it so much easier to make a decision about a complex issue. If we may ever act as a reference for you, I hope you will not hesitate to contact us.
Pottstown, PA