Home > Shoppers > Customer Comments

Janice S  --  Sunday, September 18, 2011
"I can safely say that the purchase of my Long Term Care Insurance Policy was the wisest, most forward-thinking, and financial decision of my life!" Janice S. - NJ/USA - 2010

Stacey J  --  Thursday, September 01, 2011
Very easy to understand, especially when you look at this type of coverage and there is no Plan A B or C. Simple, Fast, and very imformative. I recommend! MA - USA

Michaela S  --  Sunday, August 28, 2011
Thank you for all the "Great Advice and Useful Resources!" Michaela & Jerry S. - MA 6-25-11

Marc J  --  Sunday, August 07, 2011
Marc & Maria J. NJ/US - Dec-2010 Thank's, Kurt, for all your help setting Maria & myself up last month. All the final acceptance paperwork has been sent back to the carrier. It was sure nice to deal with someone like you. I am going to try to get my friends around here to consider you first or change to you. Thank's again. - MM

Steve and Jennifter  --  Sunday, August 07, 2011
Steve & Jennifer L. - WA/USA Jan 2011 Thanks so much for emailing me back, it is greatly appreciated and is exactly what we were looking for concerning Long Term Health Care. Simple-Fast-Very Informative & Professional Advice. I would recommend Kurt Lauman and LTC Financial Partners as a valuable resource concerning information on Long Term Health Care. Thanks Kurt

Somer T  --  Sunday, July 17, 2011
Somer T. CT/USA June 2010 I've never been more pleased & impressed...and it's all your fault! Thank you for keeping your promise and your for your professional assistance!

Alicia J  --  Sunday, July 17, 2011
Alicia J - NJ/USA Dec 2010 Thank You Doesn't say it all...but it's a nice alternative to overwhelming you with so much gratitude and appreciation that you begin to wish you'd never been so darned nice and patient! I like the Facebook concept, how do I become a friend, do you request or I request to be a friend? Thanks Kurt, wish you well!

Washington State Resident Caregiver  --  Friday, July 08, 2011
Thoughts & Concerns..... "If my sister could take Mom in for just one month, perhaps she would be more understanding of the day-to-day responsibity. I want to take care of her and wouldn't have it any other way. But sometimes I just get burned out and feel spread too thin. I wish my sister could simply give me a little relief from time to time, just for me to take a breather"

Gary M  --  Thursday, July 07, 2011
Gary M. MI/USA Nov. 2010 I looked accross the room and saw my two children, Janie 13 & Brian 18 years old, and I was determined not to follow my parents and decide to self insure. I had all the reasons sitting in front of me to at the least educate myself on Long Term Health care. If no one really wants to lose it all and end up in a nursing home, then why does it happen to so many good people each day, month, and year? Kurt made the process simple and easy, from start to finish. Thank you for helping me protect my two greatest assets.

Patty F.  --  Tuesday, June 28, 2011
Patty F. MD/USA Feb 2010 Thank you so much Kurt for the time we spent together last year and making applying and buying a Long Term Care Insurance Policy easy and seamless process. Best Regards, Patty!

Linda S.   --  Monday, June 27, 2011
Linda S. MD/USA 11/2010 I am not impressed easliy, but what I can tell you is Kurt was straight forward, truthful, and very knowledgeable about the service he provides. He found a policy that fit my wants and needs and within a short period of time; I was able to get the cost, coverage, and eligibilty of a Long Term Care Insurance Policy. Highest marks and Impressed! Best Regards Kurt

Lil C  --  Monday, June 27, 2011
Lil C. NJ/USA Nov. 2010 NEA Member I'd like to take a moment to thank the few that still follow the art of the "Full Support" & "Service Excellence." Kurt - Keep up the "Full Support" & "Service Exellence." As promised I am spreading the news, I'll be in touch, by the way Love the Website! Lil

Roger N  --  Sunday, June 26, 2011
Susanne N. MD/USA Jan. 2010 We visited our financial advisor concerning Long Term Care Insurance and by the time we left we felt more confussed about the coverage than when we walked in. We turned to LTC Financial Partners and Kurt Lauman, a LTCi Specialist, for further information and it was clear in the first 30 minutes that he was the guy for us. He made a very difficult coverage easy to understand and built a policy around us and our financial future. What he doesn't know is our Financial Advisor showed us the exact same policy and with the exact same carrier. Highest praises from us! Thanks and Best Regards Kurt

Fran S.   --  Sunday, June 26, 2011
Fran S MI/USA Nov 2011 Due to our current health situation we were unable to purchase a Long Term Care policy from Kurt, so we found another source that was able to provide us coverage. To whom it may concern, Kurt was the reason why we continued to purse coverage and the reason why we continue to ask for financial advice from him concerning Long Term Care, even though he his not our specialist on record. We wish that we had not waited too long to add the coverage to our portfolio because then we could have had Kurt as a our LTC Advisor. "Service after Process" above the rest and hard to find anymore! Thanks Kurt

Women Under Estimate  --  Wednesday, June 22, 2011
Women under estimate.... Women Under estimate the Importance of Long-Term Care Planning! By 2020, some 12 million older Americans will require long-term care services. Most will be women. Twice as many women age 65-plus are being cared for in a home setting than men (3.27 million versus 1.68 million). "In most cases women will out live their spouse and it is key for them to plan for long term care." says Kurt Lauman - Partner & LTCi Specialist for LTCFP 3in4 will need more. AALTCI - LTCFP

Planning  --  Wednesday, June 22, 2011
Reason to plan for Long Term Care... "Life happens when we are least prepared!" 3in4 need more...Kurt Lauman (LTCFP)

Fastest way to a Nursing Home  --  Wednesday, June 22, 2011
How to lose it all and end up in a nursing home? "I don't think It Will Happen to Me!" "The Government Will Take Care of Me!" "My children Can and Will Take Care of Me!" "LTCi is Too Expensive, I Can't Afford it!" "I'm Just Going to Take My Chances!" "I'm Never Going to a Nursing Home!" "I am Going to Do Something, Just Not Right Now!" "There is Longevity in My Family!" "If I Never Need it, Then I Wasted My Money!" "I'm Just going to Self-Insure!" By Robert L. Cochran LTC Specialist & Author of "Pills and Bills" This thought process is the reason why we need to start planning for Long Term Care..3in4 need more...

Federal Government Plan Pro's & Con  --  Wednesday, June 22, 2011
FEDERAL GOVERNMENT PLAN vs. PRIVATE LTC INSURANCE FED GOV Pro: A Significant Opportunity For Those With Health or Pre-existing health Conditions. Question should you be rated the same as someone with Diabetes? Pro: Very Competitive Rate For Singles Con: Limited options "1 glove fits all??" Con: Potential Discounts NOT Offered Bottom Line: Is the Fed. Gov Plan right for you or is a personalized private plan the right move, know your options!

Planning  --  Wednesday, June 22, 2011
Reason to plan for Long Term Care... "Traditional Medical Insurance & Medicare are NOT designed to pay for Long Term Care services. In short, traditional medical insurance & Medicare pay for Surgical & Non-Surgical procedure's in and out of hospital (Skilled Care). Who pay's when you go home and you need more than 90 days of continuous care?" Long Term Care Insurance is an excellent way to pay for a large portion of the cost of care. 3in4 need more...Kurt Lauman (LTCFP)

Planning   --  Wednesday, June 22, 2011
Reason to plan for Long Term Care.... "The biggest reason for financial failure for families today is the cost of Long Term Care or the lack of planning for Long Term Care." 3in4 need more...Kurt Lauman (LTCFP)

Planning  --  Wednesday, June 22, 2011
Reason plan for Long Term Care.... "Developing a disability is hard enough, but developing a disability and running out of money is an issue in it's own!" "Insuring you DON'T outlive your money!" 3in4 need more...Kurt Lauman (LTCFP)

Planning   --  Wednesday, June 22, 2011
Reason to plan for Long Term Care... Spouse's: "You are doing it for eachother, just as much as you are doing for yourself." 3in4 need more...Kurt Lauman (LTCFP)

Planning  --  Wednesday, June 22, 2011
Reason to plan for Long Term Care.... "You can feel good knowing that all of the money you have worked to attain will not be used up in the few short years by paying for care." 3in4 need more...Kurt Lauman (LTCFP)

Planning  --  Wednesday, June 22, 2011
Reason to plan for Long Term Care... "You will be able to stay at home long!" 3in4 need more...Kurt Lauman (LTCFP)

Planning  --  Wednesday, June 22, 2011
Reason to plan for Long Term Care... "Your family will attend to your needs out of love instead of out of obligation." 3in4 need more...Kurt Lauman (LTCFP)

Planning  --  Wednesday, June 22, 2011
Reason to plan for Long Term Care... "You will have the money to apy for long term care without haveing to deplete the family net egg for you care!" 3in4 need more..Kurt Lauman (LTCFP)

Reason's  --  Wednesday, June 22, 2011
Reason to plan for Long Term Care! "Your loved ones can carry on a more normal Life" 3in4 need more....Kurt Lauman LTCFP

Planning  --  Wednesday, June 22, 2011
LTC Financial Partners (LTCFP) & Kurt Lauman "LTC Planning for TODAY & LTC Financial Solutions for TOMORROW" "Health Care Isn't Enough" INDEPENDENCE - SECURITY - CHOICES - PEACE OF MIND - FINANCIAL SOLUTIONS - LOVED ONES 3in4 need more than just health care! Kurt Lauman & LTCFP

Federal Government Plan Pro's & Con  --  Wednesday, June 22, 2011
Federal Government Plan (FLTCIP) vs. Private Pro's & Con's for Fed Gov Plan Pro: A Significant Opportunity For Those With Health Conditions Pro: Very Competitive Rate For Singles Con: Married Couples Pay Too Much Con: Lacks Significant Options For Couples Con: Too many limitations in benefit selections Con: 1 shoe fits all moto: Plan A-B-C-D Bottom Line: Significantly less coverage for more cost! Know all your options Private Plans. vs. Fed Gov Plan "Group"

Jackie N  --  Wednesday, June 22, 2011
Jackie N. DE/USA April 2010 Thank you so much for your help last year Kurt. It is gratifying to meet someone dedicated to doing a good job and actually deliver on their original commitment. I sincerely appreciate your efforts and the valuable information that you shared with me and Gary. Once agian, thanks! Jackie N. DE/USA April 2010

Darren Z  --  Wednesday, June 22, 2011
Darren & Marcy T. MI/USA March 2010 It was a pleasure working with you last year for a couple of months. Time is such a rare and precious commodity these days. Thank you for sharing your valuable time and maximizing ours. Darren & Marcy T. MI/USA March 2010

Vic H.  --  Tuesday, June 21, 2011
Vic H. NJ/USA Aug 2010 Kurt Lauman is an excellent resource for information on long term care insurance and I would recommend him to all. Thanks Kurt Vic H. NJ/USA Aug 2010

Kelly S  --  Tuesday, June 21, 2011
Kelly S. MI/USA Aug 2010 Thank you Kurt for a job well done! Kelly S. MI/USA Aug 2010

Andrew L  --  Tuesday, June 21, 2011
Andrew L. DE/USA Nov 2010 "I recommend LTC Financial Partners & Kurt's virtual assistance. Above all the rest - by far due their fine attention to detail, quality results, and for bringing a friendly face to a faceless service." Andrew L. DE/USA Nov. 2010

Stan G  --  Tuesday, June 21, 2011
Stan & Judy G. MA/USA Nov 2010 "YOU and LTC Financial Partners are PREMIERE in performance and service." Light years ahead of everybody else. Thanks Kurt for the help! Stan & Judy G. MA/USA Nov 2010

Gerald H.  --  Tuesday, June 21, 2011
Gerald H. PA/USA April 2010 "I wanted to drop you a quick note to tell you how very satisfied & impressed I am with your virtual assistant. Thank you for the fantastic service and I have no doubt what the future holds for you & your company." - Making a positive difference! Gerald H. PA/USA April 2010

Carrie H.  --  Tuesday, June 21, 2011
Carrie H. OK/USA May 2010 "I tried several other resources before finding LTC Financial Partners and Kurt Lauman, and I'm so glad finally I did! Thank you so much for your efforts and all your professional assistance!" Kurt call me, my sister who works for the Federal Government might be interested in Long Term Care insurance, I told her "You just need to know your options." Thanks, Carrier H. OK/USA May 2010

David C  --  Tuesday, June 21, 2011
David C. NH/USA July 2010 "Thank you - for your virtual assistant over the few months last year. You do excellent work, and your company offers great value and you deliver even better service. I've told all sorts of people in my area about you in hopes that they'll take advantage of your services, and I will continue to do so." Best of wishes & if we are in the Seattle area we will look you up! David and Karen David C. NH/USA July 2010

Randle Q  --  Tuesday, June 21, 2011
Randle Q. MI/USA June 2010 Thank you for your time and assistance in this process! Randle Q. MI/USA June 2010

Terry O  --  Tuesday, June 21, 2011
Terry O. AK/USA Feb 2010 Your assistance has been invaluable to me during this process. Again, thank you so much. I greatly appreciate your generosity. Best Regards, Kurt Terry O. AK/USA

Jackson S  --  Tuesday, June 21, 2011
Jackson S. GA/USA Sept. 2010 Thank you very much for your assistance and thank you Mr. Lauman for taking the time to understand our wants and needs. This type of coverage has delivered the peace of mind that we were looking for. Jackson S. GA/USA Sept. 2010

Angie C  --  Tuesday, June 21, 2011
Angie C. CT/USA June of 2010 "I would maintain that thanks are the highest form of thought, and that gratitude is happiness doubled by wonder." Thank you Kurt! Angie C - CT/USA June 2010

Long Term Care Insurance  --  Tuesday, June 21, 2011
"It's not something they would say no to, but can they provide you with the proper care needed? Everyone knows that someday they will need a little more than help. As we grow older our bodies wear down and eventually we are unable to do some of the everyday tasks we take for granted - (ADL's). Managing the care of an elderly loved one can be overwhelming, stressful, time consuming, and very - very expensive.

Home Health Care  --  Tuesday, June 21, 2011
About Long Term Care at Home Roughly 70% of all long term care is provided in the home. More family caregivers are in the workplace or live far away and are finding it difficult to care for loved ones at home. Help is available in a number of ways called home health care aids providing you with Long Term Care Health Care Services, and yes this an expense that one doesn't want to attempt to completely out of pocket. 3in4 need more Kurt Lauman & LTCFP

Paying the Cost of Care  --  Tuesday, June 21, 2011
Paying the Cost of Care Having money to pay for long term care when the time comes is probably the most important part of the planning process. For a younger generation, long term care insurance makes the most sense. For the older generation that hasn't provided funds for care, there are other options that might be available. But they never work as well as the insurance. This quote also examines the past and future effect of inflation on various care services. The younger we plan, the less it will cost...(OAH)

Long Term Care Insurance  --  Tuesday, June 21, 2011
Cost of waiting to buy a LTCi policy is more than us getting older but.... This is the most in-depth and comprehensive information on long term care insurance available anywhere; either for sale or for free. For those of you who want all the details, including numerous charts, this is the stat is for you. Estimates are that costs for "Long Term Care" insurance are going up about 12% a year for the same buying age. You should not delay buying if you can afford to buy now. 3in4 need more - Kurt Lauman & LTCFP

Assisted Living Facilities  --  Tuesday, June 21, 2011
Assisted Living Facilities Prior to "assisted living", elderly people who could not remain in their homes for various reasons had to go to a nursing home for care. Assisted living is an alternative that provides a more homelike environment, a more stimulating atmosphere and is generally 100's or even 1000's less than the cost of a nursing home. 3in4 need more...Kurt Lauman & LTCFP

Need to plan for Long Term Care  --  Tuesday, June 21, 2011
Need to plan for Long Term Care.. Even though long term care can be the greatest crisis an elderly person can experience, there is an appalling lack of preparation among Americans between the ages of 50-62. Scarce government funds and changing demographics make the need for planning even more critical than ever. "We are having to take back control of our financial future" says Kurt Lauman, Partner & LTCi Specialist with LTC Financial Partners 3in4 need more...Kurt Lauman & LTCFP

Medicaid   --  Saturday, June 18, 2011
Dignity For Life vs. Medicaid The long term care financial burden on a family can be as heavy as the emotional toll. Some will end up spending a lifetime of savings only to be on state welfare/Medicaid at the very end of their lives. Where does that leave your loved one's after you pass? Regardless of what some may say, Medicaid Planning is really "Poverty Planning." You must be living at the poverty level to qualify for Medicaid. It is a federal crime to attempt to defraud Medicaid by hiding assets. Medicare, Medicaid, Medicare Supplemental Insurance (Medigap), or standard medical insurance plans (HMO, PPO, Kaiser, Blue Cross, etc.) are NOT designed to pay for long term care expenses. 3in4 will need more...Kurt Lauman & LTCFP

Long Term Care  --  Saturday, June 18, 2011
Who pays for Long Term Care? There are two costs to long term care: financial and emotional. The question to ask yourself is: "What would be the financial and emotional consequences to my family and friends if I or we both needed long term care?" Using personal savings is equivalent to self-insuring in that personal funds are put at risk in order to cover the potential cost of care. This is the position that most people are in, though few would choose to see it this way. Financially the choices are: Self-insure (you or family pays) Health Insurance and Medicare pays for a short period Medicaid state welfare (Spend Down of Assets) Long-term care insurance 3in4 will need more.....Kurt Lauman &(LTCFP)

Long Term Care Insurance  --  Saturday, June 18, 2011
When should I apply to own a LTCi policy? LTC is definitely an investment, and we all definitely will get old. Most premiums for LTC are based upon your age, your current health & financial situation at the time of purchase. Investing in LTCi at a younger age is the key to possibly saving your retirement. Your premium is lower, you are hopefully healthier than you would be in your elder years and, you will more than likely be accepted for coverage. One does not want to wait to apply for coverage once he or she's health starts to decline. The ultimate cost may not be a higher premium but rather not eligible for a policy at all. 3in4 will need more....

What is Long Term Care   --  Friday, June 17, 2011
"What is Long Term Care?" Long-term care is a variety of services that includes medical and non-medical care to people who have a chronic illness or disability. Long-term care helps meet health or personal needs. Most long-term care is to assist people with support services such as activities of daily living like dressing, bathing, and using the bathroom. Long-term care can be provided at home, in the community, in assisted living or in nursing homes. It is important to remember that you may need long-term care at any age. You may never need long-term care. This year, about nine million men and women over the age of 65 will need long-term care. By 2020, 12 million older Americans will need long-term care. Most will be cared for at home; family and friends are the sole caregivers for 70 percent of the elderly. A study by the U.S. Department of Health and Human Services says that people who reach age 65 will likely have a 40 percent chance of entering a nursing home. 3in4 will

Long Term Care Insurance  --  Wednesday, June 15, 2011
How does one trigger the benefits.. Activities of Daily Living (ADLs) *Everyday functions and activities individuals usually do without help. ADL functions include bathing, continence, dressing, eating, toileting and transferring. Many policies use the inability to do a certain number of ADLs (such as 2 of 6) or if one is diagnosed with a cognitive impairment to decide when to pay benefits. *To get complete details on how to trigger the benefits of a Long Term Care Insurance policy, one must contact a LTCi Specialists: Kurt Lauman (425)216-4909 or Kurt.Lauman@ltcfp.net

Long Term Care Insurance  --  Wednesday, June 15, 2011
If you were wondering if you are in the right place, I can tell you - you are not alone Long-Term Care Insurance is still a relatively new type of insurance product and products have only be available for the last 30+ years. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage. This site addresses some of the key issues of long–term care insurance and will help you decide if LTCi is right for you. Kurt Lauman and LTC Finanical Partners (LTCFP) are here for you and here to serve you and your family.

Becki S  --  Wednesday, June 15, 2011
Becki S. MD/USA July 2010 Long-Term Care Insurance This insurance gave me additional confidence in the future and ensures that I will have financial options if I become ill and or develop a disability. I recommend Kurt and the services he provides. Thanks Kurt Becki S MD/USA July 2010

LTCi  --  Wednesday, June 15, 2011
About long-term care insurance Long-term care insurance is a cost-effective way to help protect your assets — and your family — against the high cost of long-term care. It can provide you with the control and security to help cover the cost of long-term care services and the independence to choose where to receive care. Home Care, Residential or Community Settings, Assisted Living, and Nursing Home Facilites, up to Hospice, and provide you Respite Care. Call now to schedule a free no obligation telephone consultation on the details on how to live a safe and secure future.

Long Term Care Insurance  --  Wednesday, June 15, 2011
Retirement "When is the right time" *Americans are living longer, active and healthier lives. However, unlike previous generations, most Americans can no longer rely on pensions or Social Security alone. They have to take control of their financial futures and plan for a retirement that could last 25 or 30 years—even longer. It's never too early to start planning for retirement, the earlier the better. Kurt Lauman - *John Hancock - LTCFP

Connie J   --  Wednesday, June 15, 2011
Conne J. PA/USA June 2010 We found it very tough to face our financial future, better yet admitting to eachother that it could happen to one of us. With the help from Kurt & LTC Finacial Partners we can look at our future with confidence and know when one of needs Long Term Care we will have a financial solution. If you struggle with the same issue, we found it easier when we educated ourselves and started to understand that we were not only doing this for ourselves but we were doing it for our loved ones. Thanks for your help Kurt Connie & Tim PA/USA June 2010

Jason S  --  Tuesday, June 14, 2011
Jason S - MA/USA March 2010 I am a great believer in the power of good teamwork. Great people working well together is an unbeatable formula for achieving anything. Many thanks Kurt and LTC Financial Partners for making this much easier than I anticipated. Job well done and keep it up. Jason S. MA/USA March 2010

Plan A B or C Never fits "All!"  --  Tuesday, June 14, 2011
Plan A B or C never fits "All!" In Life or Long Term Care Insurance. At LTC Financial Partners, We believe nothing matters more than keeping a promise and our word - especially to the people that matter most. That is why we are re-writing on how to provide you with the most current and up to date information on Long Term Care Insurance. We don't start with a calculation and hope that it is going to be enough or more importantly too much insurance. "One of the more common mistakes people make in buying this type of coverage is they purchase too much insurance and pay more than the need." Says Kurt Lauman, a Long Term Care Specialist & Partner with one of the most experienced and trusted Long Term Care Insurance agency's in the United States; LTC Financial Partners (LTCFP). We start by having you take a look at your life and the people and the things you want to protect. Our simple online tools can help you figure out the best way to keep those promises in a way you can affor

LTCFP  --  Monday, June 13, 2011
LTC Financial Partners (LTCFP) NEA - LTCi Certified *The NEA has selected John Hancock and LTCFP to educate and provide insurance to its teachers, family members, and employees. To read more about this interesting developement, see the article below. Today the National Education Association of the United States (NEA) announced the selection of LTC Financial Partners, LLC (LTCFP) and John Hancock Life Insurance Company to provide long term care education and insurance for NEA’s 3.2 million active and retired members, plus their families. *LTCFP - National Education Association (NEA Mebmer Benefits) - John Hancock - Kurt Lauman NEA Members Benefits Long Term Care Team "NEA Certified"

LTCFP  --  Monday, June 13, 2011
Social Security Advises Seniors: A few years ago, members of Congress asked the Social Security Commission to clear up a misperception of many Americans approaching retirement age. “A lot of seniors had the idea that Medicare would cover their long-term care expenses,” says Cameron Truesdell, CEO of LTC Financial Partners LLC (LTCFP), one of the nation’s largest and most experienced long term care insurance agencies. “It wasn’t so, but the wording of the Social Security Statement left some doubt.” If you have come to this web page to inquire about information about LTCi, then you are in the right place. If you are wondering the cost, coverage, and elgibilty, then you are in the right place. If you have to ask, then you most likely need this type of coverage. Kurt Lauman Long Term Care Speciailst *LTCFP & *Social Security Commission

Peter J  --  Monday, June 13, 2011
Peter J. PA-USA 2-2011 I especially appreciate the information, the care you showed, and advice you have provided concerning a Long Term Care Policy. Your assistance has been invaluable to me during this 6-10 week process. From the moment you scheduled me for the telephone consult - to the time you delivered me the policy. I have already spoke to a couple of people that I know at work, if I felt they could benefit for this type of coverage. I can endorse and rate Kurt Lauman and LTC Financial Partners to highest level of professionalism. - A++ Again Kurt, thank you so much. I greatly appreciate your generosity of your time and indepth knowledge about Long Term Care Specialist. Peter J. PA/USA 02-2011

Jackie C  --  Sunday, June 12, 2011
Jackie C. New Jersey Aug-2010 It is so good to know that there are people as generous as you with their time to answer personally questions that others ponder on alone for so long. You've made me consider my options and I'm really grateful for your time and original thoughts and information. Sometimes people are blinded at consequences to themselves and loved ones if they don't protect what took them a lifetime to acquire and however hard it is they have to look facts in the eye and realize how important this coverage is. May God bless you and your work for many years to come. Jackie C. New Jersy - Aug 2010

Margaret W  --  Sunday, June 12, 2011
Margaret & Robert W. NJ/USA Feb-2010 Thank you so much for your advice, spot on recommendations, and information concerning with Long Term Care Insurance. We spoke to more than 10 other Financial Advisors, Agents, and CPA's and it was you who we trusted enough to help us buy Long Term Care Insurance. I can't even begin to tell you how much your advice and recommendations had helped us. It has already helped that inner anxiety that I had about out-living my money in our "Golden years." I can't thank you enough for your speedy response and all of the personalized information. I'm so impressed and I'm going to tell all of our friends, co-workers, and family members about your the services you provide. Margaret & Robert W. NJ-USA Feb 2010

Sam A  --  Sunday, June 12, 2011
Sam A. SC/USA 2010 Your service has been of incomparable value and I wanted to let you know that thousands of miles away from you, on a tiny city in South Carolina, a couple is living much more stess free and lovingly than we could have done without your assistance! Your passion, professionalism, and honesty are the reason why we selected you as our agent. Thanks Kurt! Sam A. SC/USA Jun 2010

Liz K  --  Sunday, June 12, 2011
Liz K. NJ-USA 11-2010 I would just like to say "THANK YOU" for a VERY quick response. I didn't expect it SO quick. You have given me/us some good advise and believe me, it is greatly appreciated and anybody that I can see benefit with this type of coverage, I will send them your way!!!! Thanks Again!!!! Liz K. NJ-USA 11-2010

Ann M  --  Sunday, June 12, 2011
Ann M. NJ - USA Jan-2011 I just wanted to write a thank you note to say without your help and profesionalism I would not be where I am today. I recommend Kurt Lauman & the services he provides. Thank you for going above and beyond Kurt. Ann M. NJ - USA Jan 2011

Curtis W  --  Sunday, June 12, 2011
Curtis W. PA-USA 2011 I want to thank you so much for the help and advice you have shared with me in the ealier this year. I contacted you last January about information concerning with Long Term Care Insurance. Based on the advice & recommendations you gave me, I thought long and hard and made the decision that was necessary for me to be happy in my life. It has been difficult, but I am now experiencing not only a new freedom, but happiness at making a decision that I knew I needed to make the whole time. It was just really great to have some validation when I realized that "Peace of Mind" is priceless! Thanks Kurt for all your help and wish you the best. Go Nittany Lions!! Curtis W. PA-USA 2011

George H  --  Sunday, June 12, 2011
George H - MA USA I just wanted to thank you for taking the time to reply to my request in such a prompt & professional manner. You really opened my eyes. I have read what you wrote over and over and it all makes so much sense. I looked at all possible ways to provide myself with a financial solution, if I needed LTC. I appreciate it from the bottom of my heart! George H. MA-USA 2011

Julia L  --  Thursday, June 09, 2011
Julia L. GA 11-2010 "BIG" thanks to you Kurt for treating me so well over the past couple of months. I cannot say enough good things about you and respect you have earned. I find myself in a constant quandary over how much to tell my colleagues about you and LTC Financial Partners and the services your provide.” Julie L. GA USA 11-2010

Octave Z.  --  Thursday, June 09, 2011
Octave Z. 09-2010 TX - USA “Thank you so much for all the kindness and generosity that you have extended to me and my family. By every measurement, you really run a top-notch company. You have managed to bring together superior products, support, and services, all under the same roof. It’s a rare thing for a company to manage superiority in any of those areas, and Kurt Lauman and LTC Financial Partners has it all. It’s truly a pleasure to have the opportunity to get involved with such an outstanding company as yours. Given your company’s unequivocal commitment to excellence, it’s easy to understand why I’ve decided to ‘hitch my wagon’ to your outstanding team. The future looks increasingly bright for you, thank you for letting me come along for the ride.” More than satisfied client! Octave Z. 2010 from the "Lone Star State" TX-USA

LTC Financial Partners  --  Thursday, June 09, 2011
Kurt Lauman & LTCFP There are only four kinds of people in the world--those who have been "Caregivers," those who currently are "Caregivers," those who will be "Caregivers," and those who need "Caregivers!" -Former First Lady, Rosalynn Carter Kurt Lauman & LTCFP are strong supporters of the first lady's response, Not If but When. 3in4 will need more!

Seth J  --  Thursday, June 09, 2011
Seth J. MD-USA 2011 Your commitment to excellence & professionalism shinned throughout the whole process. Thank you for having our best interest at heart. A "very" satified client, Seth J. MD-USA 2011

Kurt Lauman  --  Wednesday, June 08, 2011
Women Under estimate Importance of Long-Term Care Plan! By 2020, some 12 million older Americans will require long-term care services. Most will be women. Twice as many women age 65-plus are being cared for in a home setting than men (3.27 million versus 1.68 million). 3in4 will need more. AALTCI - LTCFP

LTC Financial Partners  --  Wednesday, June 08, 2011
Cancer Costs will sore! A new report predicts that by 2020, the annual cost of cancer care in the United States is expected to reach at least $158 billion. According to the report from the U.S. National Cancer Institute that’s a 27 percent jump from 2010. The surge in cost will be largely driven by an aging population that is expected to develop more cases of cancer in the near-term. We are living longer and cancer costs will sore!

Sandi B.  --  Wednesday, June 08, 2011
Sandi B. NJ - USA 05-2010 Thanks so much for your help and making this decision very easy and very informative. I can see why the National Education Association (NEA) uses your agency as their preferred Long Term Care agency in providing their members with information concerning LTCi. Rating: A++ Sandi B. - NJ/USA - 05-2010

Mr & Mrs Franklin M.  --  Wednesday, June 08, 2011
Mr. & Mrs. Franklin M. - TX USA 11-2010 Thank you so much for succeeding in putting us a position to make a final decision to accept a Long Term Care Insurance policy where others had failed in the past. To whom it may concern, we had financial advisor's & CPA's try to find a the right policy for us given our situation and I would strongly recommend using an "Actual" Long Term Care Specialists when addressing this type of coverage. We highly recommend Kurt Lauman and LTC Financial Partners (LTCFP) when you address your Long Term Care coverage, it saved us thousands and alot of time. Thanks Kurt, Mr. & Mrs. Franklin M. 11-2010 - TX/USA

LTC Financial Partners (LTCFP)  --  Tuesday, June 07, 2011
2010 - LTC Financial Partners (LTCFP) Long Term Care Specialist & Partner makes "National" press. Nation s Top Long-Term Care Insurance Producers For 2010 - The Ninth Annual Long-Term Care Sales Achievement Awards recognizes producers based on sales & placed premium for 2010. Kurt Lauman, LTC Financial Partners (LTCFP), Kirkland, WA

Madelle T  --  Tuesday, June 07, 2011
Madelle T 05-2011 Kurt was a true professional and supplied us with the right amount of information concerning Long Term Care coverage so that we could make and well informed educated decision. Thank you so much Kurt and we wish you the best of luck and many successful years. Madelle T. - Maryland 2011

LTC Financial Partners  --  Monday, June 06, 2011
The Greatest Threat is... "The Greatest threat to the financial security of middle income Americans is the cost of long-term care medical care. Our nation's middle class can insure their cars agianst theft or damage, their house against flood, fire, and earthquakes. Even thier children agianst the cost of college and braces, and their families agianst the risk of early death. But when it comes to insuring the single greatest threat to their life savings and emotional reserves - the cost of long term care, Americans have NO protection. In many ways, it's as if we are all wearing bullet-proof vests with holes over our hearts. We're missing protection where we most need it." Late Senator John Heinz, former chairman of the Senate Select Committee on Aging

LTC Financial Partners  --  Sunday, June 05, 2011
LTC Financial Partners (LTCFP), Kirkland WA LTCFP (in California, LTC Partners & Insurance Services, LLC) was founded in April, 2003 by Cameron Truesdell and Craig Smith. Cameron Truesdell was the president and a principal in LTC Inc., one of the early national agency firms for LTC insurance. Craig Smith held the position of national sales manager within the same firm. LTC Inc. was founded in 1985 and built the largest LTC insurance career force in the United Sates. LTC Inc. was later sold to GE Capital in 1997. Kurt Lauman, Long Term Care Specialist & Partner (425) 216-9009, Kurt.Lauman@ltcfp.net, KurtLauman.com & LTCFP.com

LTC Financial Parters  --  Sunday, June 05, 2011
LTC Financial Partners (LTCFP), Kirkland WA LTC Financial Partners, (LTCFP) is a consulting business that specializes in long term care outreach, education and insurance consulting services for individuals and business clients. For additional Information call or email: Kurt Lauman, a Long Term Care specialist & Partner, (425) 216-4909 or Kurt.Lauman@ltcfp.net

2010 Inc. 500/5000  --  Sunday, June 05, 2011
2010 Inc. 500/5000 LTC Financial Partners (LTCFP) makes press agian. KIRKLAND, Wash., Feb. 7 (SEND2PRESS NEWSWIRE) -- For three years in a row (2008, 2009, and 2010), LTC Financial Partners LLC (LTCFP) has been selected by Inc. Magazine as one of the nation's 5,000 fastest-growing companies. And among large national agencies specializing in LTC insurance sales, none is growing faster than LTCFP.

Tom C  --  Sunday, June 05, 2011
Tom C. - 11/10 PA, Shippensburg Kurt Lauman was a true professional and had my best interest at heart. My only regret was not being able to shake his hand in person when I accepted my policy. Oh ya, congratulations Kurt on being the "Rookie" of the year for Long Term Care Insurance place premium. I can see why and I have not doubt that will not be last award you will receive! Best of Wishes and Thanks. T. Coy of PA

AALTCI  --  Saturday, June 04, 2011
Kurt Lauman recieves covenant award "Rookie of the Year" The nation's top long-term care insurance producers for 2010 were announced today by the American Association for Long-Term Care Insurance (AALTCI). The Ninth Annual Long-Term Care Sales Achievement Awards recognizes producers based on sales across multiple categories. "In any given year, some 40,000 insurance and financial professionals market long-term care insurance protection nationally," explains Jesse Slome, AALTCI's organization's executive director. "Those who are the most successful and committed to protecting the lives and financial well-being of consumers are most deserving of this recognition." The 2010 Long-Term Care Insurance Rookie of the Year (individual placed premium) Kurt Lauman, LTC Financial Partners, Kirkland, WA American Association for Long-Term Care Insurance

World of Long Term Care Insurance  --  Saturday, June 04, 2011
World of Long Term Care Insurance "Taking that next step and educating yourself on the importance on Long Term Care Insurance can be the most important step one can make to preserve their financial future and live with a certian peace of mind as we grow into our golden years." Say's Kurt Lauman, a Long Term Care Specialist & Partner with this countries industry most trusted and experienced Long Term Care Insurance Agency

Kurt Lauman  --  Saturday, June 04, 2011
3In4 Need More "Yet most Americans have been inadequately facing the issue of how to pay for LTC. There is widespread misconception that Medicare or regular health insurance covers these expenses, while neither does. (Medicaid provides help with nursing home costs, but only for those without assets.) Government welfare program for the poor. Private long term care insurance is the answer for most Americans, yet only an estimated 10% of those who could benefit from an LTC policy actually have one. "We are insured if our house catches fire but we are not insured in the one area that can not only change your life financially but your families." Says Kurt Lauman and 3in4 Need More supporter.

Kurt Lauman  --  Friday, June 03, 2011
When should I purchase Long Term Care Insurance? Waiting to purchase long-term care insurance could cost you even more as changes in your health may cause your rate to increase. Even worse, certain health changes could prevent you from qualifying for coverage at all. Plan ahead. Consider purchasing long-term care insurance at the earliest age you can. The ultimate cost could mean one is not eligible for a plan and require you and possibly your family to burden the financial cost. Kurt Lauman LTCi Specialist & Partner

3in4 Need More  --  Thursday, June 02, 2011
3in4 Need More Contest! Enter and possibly wen a $50,000.00 caregiver makeover! $50,000 caregiver makeover contest: http://www.3in4contest.com

Kurt Lauman  --  Thursday, June 02, 2011
The 3in4 National awareness campaign tour is off to a fantastic start! For a video of the Times Square “Dancing Grandmas” event, click here: http://www.youtube.com/watch?v=WGwCkLb3LDs.

Jean L & David J.  --  Wednesday, June 01, 2011
03-2011 Jean L & David J of Maryland. I work for the Federal Government and have the ability to apply for the Federal Government Long Term Care Plan and I almost did. But I felt I should investigate and educate myself all my options concerning with Long Term Care Insurance. That is when I noticed online LTC Financial Partners came up very highly recommended, the most experienced and trustworthy Long-Term Care Agency in the US. More notability, a Long-Term Care agency that only specializes in Long Term Care Insurance. I was contacting with in 24 hours of submitting my request and was given the information on the differences between a Private-Traditional Plans vs. the Federal Government plans. What I noticed was both plan designs were great but what I realized very quickly that a carrier has to fit what is important to you. The Federal Government plan fit the mass, but if you can qualify for a traditional plan it gave David and myself more options, the ability to customize an

Augusta M.  --  Wednesday, June 01, 2011
02-2011 Augusta M. - PA, USA I first want to thank Kurt, Lucas, and LTC Financial Partners with providing me with the information to make an educated "Big" decision. I saw both my parents who needed assistance in there mid 80's and I also saw how devistated our family was when we had to sell then house we grew up in and drain all their assets to pay for Long Term Care Services and ultimately have to turn to Medicaid. I do not want to be a burden on anybody and will not out live my money. I saw first hand what a disability will do to a family and I also saw our worse nightmare, "a" disability with no more money to pay for services. I call it dying with "Dignity" and at the very worse is it is a peace of mind. Once again, thank you Kurt & Lucas, keep it up and you both are making more than a difference than you think. Augusta M. PA-USA

Jeanne S. - GA  --  Tuesday, May 31, 2011
02-15-10 Jeanne S. For the past 3 1/2 years I have been caring for my mother and have taken on the financial responsibilty and the emotional burden of becoming a primary caregiver for my mother. My motive was to make sure that I don't become a burden on my only daughter or friends if I need Long Term Care. Kurt helped me insure that I would not become a burden on my loved ones by helping me transfer the risk from us to the carrier. My only regret was I should have applied to own a policy earlier because it would have saved me money, but I guess the next best time was now. Thank you so much Kurt, Jeanne S. of Atlanta, GA

William - NJ  --  Tuesday, May 31, 2011
Feb - 2010 William S. - NJ I quickly found out that there is not a Plan A B or C with premiums that go with Plan A B or C, there is is large number of options that I could choose from and really customize and personalize plan to my wants and needs. Kurt helped us determine the right amount of benefits that will deal with the Now and a plan that will deal with Future and it's this method that insured that I was not over insuring and paying more premium that is needed and also not under insuring and thinking that I was covered. Very professional and more importantly he "Listens!" After going through the whole process, I strongly recommend that you look at using an actual LTCi Specialist, opposed to using just an agent. There is a difference! Regards William S. of NJ.

Kevin - NJ  --  Monday, May 30, 2011
Jan-10 I visited my Financial Advisor and after I left I realized that my Financial Advisor gave me a general overview on this type of coverage that needed to be customized to my wants and needs not to meet the needs and wants of the mass public. That is when I was connected to LTC Financial Partners, an agency that specializes in educating the public on private plans. Kurt Lauman helped me buy a Long Term Care Insurance Policy, he was truly a LTC Specialists. Thanks and Best of wishes Kurt.

Jonas Roeser  --  Friday, May 27, 2011
I loved working with Kurt.