Audio testimonials:
Just click on the following links to hear the audio files:
George in Arizona
Fred in Ohio
Greg in Florida
Kathy in South Carolina
Arthur in South Carolina
Janice in Florida
Sally in Ohio
Terry in Minnesota
Jim in Ohio
Judy in South Carolina
Grace in Texas
Joe in Florida
Pat in Ohio
Agatha in Louisiana
Mona in Pennsylvania
Lillian in Alabama
Glenda in South Carolina
Ben in Arkansas
Deborah in Virginia
Lynne in Texas
Mike in Ohio
Bobby in Tennessee
Pearline in Texas
Written testimonials:
Jeanne from Virginia - My name is Jeanne and I live in Virginia. When I began to consider long term care insurance, I started studying the group policies offered by my employer. Then someone suggested that a group plan might not be the best deal for all folks. That led me to an internet search for information which fortunately led me to Duane Lipham. Duane is a wealth of information. He really knows the long term care business and can answer any question with clarity and patience. Duane understands there is not one policy that fits all and guided me to a just-right policy that costs less, but offers more, than the one I almost purchased through my employer. Unlike many other agents in the field, Duane has authored a guide that is a perfect reference to understanding the complicated topic of long term care. Duane shared his guide with me free of charge. He stayed in touch as I took my time to ponder and reflect on the options. He was there whenever I had a question, but he was never pushy. That’s a characteristic not found in all agents. I highly recommend Duane Lipham as an agent you can trust and depend on and as an all-round nice guy.
Jodie and Todd from Pennsylvania - My name is Jody and my husband is Todd. We reside in Pennsylvania. Duane Lipham helped us immensely when we were looking for a long term care policy. I was recently offered a group long term insurance through my employer. I delayed looking into this product for a long time, but this new company offering had a 6-week enrollment deadline, so that got me moving. Before I jumped at the group policy, I decided to compare the group price to individual rates by searching on the internet for brokers that offered long-term care insurance. To my surprise, I found most individual rates were below my group rate, and individual policies also qualified for a Pennsylvania LTC Partner Program that in essence, doubled the coverage that I would have gotten from the group employer policy. I got many broker responses. Some brokers were very good, some really bad, but I will tell you Duane Lipham was very knowledgable about the subject and the products that he represented. Even though I had talked to many good and reputable brokers (and it was hard to let so many good brokers down), Duane was the most professional and informative and patient of all. He gave me several quotes. We talked extensively about coverage options and limitations. He provided me with very good guides to learn about the subject. He authored a very good LTC Consumer Guide that helped me understand the need for the product and gave me much to think about. And it was written in terms that anyone can understand. You don’t have to be a lawyer to interpret the language. I had a lot of questions. He welcomed every one of them until I understood. He demonstrated his LTC knowledge. He explained everything I needed to know until it became clear to us. My husband and I were so impressed by Duane. He was professional and not overbearing. He is caring and compassionate. He was there throughout the entire application process and made it very easy to get through the paperwork. I would definitely recommend long term care insurance and I would recommend Duane Lipham as a qualified representative to find the product that would suit your purposes and budget.
Jim and Debbie from Florida - My wife and I had never given much more than a passing thought to obtaining long-term care insurance, even after retiring and moving to Florida about four years ago. After two of our parents passed away and my mother moved down here, her health began to decline also. After what seemed like an eternal vicious circle of hospitals and rehab/nursing homes we started to look at the possibility of getting her into an assisted living facility. These facilities usually cost several thousand dollars per month, but thankfully she had a long-term care policy in place. Realizing the absolute need for such a policy (because we didn't hit the lottery), I contacted Duane (Lipham) after doing some research on the internet. Duane walked us through every aspect of the policies available, as well as the carriers, and made sure we knew what everything meant. His experience and expertise was the reason we not only decided to purchase a policy, but found one that was well within our means while taking care of all our needs. A long-term care policy is extremely important, as is the agent who helps you, and we both would use Duane again if the need arose. He did a great job!
John from Virginia - My name is John. I am 65 and I live in Williamsburg, Virginia. I'd like to tell you about my experiences with studying and purchasing Long Term Health Care Insurance (ltc)coverage. First let me tell you that Mr. Duane Lipham is my agent. I actually found Duane, as we do most things these days, on the Internet. With much reluctance and debate, I decided to purchase ltc to simply protect our assists in the event I needed long term care. I was resistant to the purchase of this type insurance because I was thinking at 64 what are the chances of my needing it? And then, I thought ... when I'm 80 years old what are the chances I will need this insurance? If you are able to take your head out of the sand, as I finally did, ltc does make sense. That is when Duane comes into the formula. His website was clear, understandable and his Consumer Guide to Long Term Care was spot on. I used the information in that booklet to be able me to ask the right questions to not only Duane, but to others sellers of these products. Yes, I was shopping around. We all do it. After talking with some of the 'sole product' companies; those who only sell their products, it was clear to me that not only were their prices higher than what I settled on, their sales tactics were ... let's say they were just short of high pressure. I've been in sales my entire career and I know this style of sale ... and don't like it. Back to Duane: I had a ton of questions and some ideas of how, at 64 years of age, I could keep my premium low, but still get the best from the companies that Duane offered. Duane is an independent agent so he was able to shop around so he could present me with a handful of offers from different companies. With his knowledge and advice and my goals, we choose the perfect company. Price, value and services were a perfect match. More to Duane's credit, he is patient. How patient? Over six months of emails and questions and answers, that's how patient he is. He helped me get through the entire process with relative ease ... from discovery to the signature. As in all successful sales transactions from purchasing a car or a home or any meaningful purchase you want to feel like you didn't get mishandle or taken advantage of. When Duane and I shook our 'electronic hands' to conclude this transaction, I walked away feeling very good. Good luck to all of you reading this.
Stephanie from Texas - I worked with Duane to find the right LTC policy for me. I knew little about LTC before talking to Duane. Duane’s first goal was to make sure I understood what LTC was and how it worked, not to just slam sell me a policy. I appreciated that. He listened to my goals and then recommended 3 policies to me. He was honest with me about which “extra features” that the policy offered would not meet my needs. I was very happy with his recommendations and chose one. After I selected my policy, he followed through with the insurance company on the application flow and premium pieces of the process so I always knew what was going on. I would recommend Duane wholeheartedly to anyone.
Duane from Michigan - My name is Duane and I am a resident of Michigan. My wife and I decided to both get long term health care coverage after we had dropped her coverage from another broker/insurance company. Since my wife and I did not share the same views toward long term health care coverage, we thought it best to thoroughly research the topic, then decide whether or not obtain coverage. Our preference was to find a knowledgeable broker who could quote bids from several providers. I had previously purchased term life insurance this way and liked the process and outcome. After some research, my wife and I decided to both get coverage. We found that Duane Lipham offered what we were seeking, knowledgeable of the subject and able to provide quotes from more than one insurance company. Our previous broker represented only one company and he was very pushy where Duane made it clear that long term care was not for everyone.
Carol from Virginia - I was impressed with Duane's knowledge as he was an LTC educator, but also he was very in depth in the mechanics of the application process. For budget purposes I was going to wait a few months so my annual payment would be due in November, but Duane pointed out that Genworth had a planned 15% increase for new applicants taking effect at the end of July. Between the application processing time and advising us to take advantage of the premium grace period I was able to apply in the last week of July and still push the annual premium payment to Nov 7th. Having just turned 62 at the end of June, Duane also pointed out that my premium could be calculated as age 61 as there was a 30-day birth-date grace period. He also preserved our opportunity to pay the first annual premium with a credit card as I had failed to supply the credit card form with my application.
Susan and Steve from Arizona - After trying to find affordable long-term care for my mother-in-law, my husband I decided that we needed to look into it so our daughters wouldn’t be caught unaware as we were. I requested information from several sources and Duane sent me information right away. The brochure was very straight forward and explained the specialized insurance terms in a user-friendly way. We investigated and thought about it for several months with no pressure except if we had any further questions. It was a relatively simple process and now we feel comfortable that we have a safety net for our own long-term care needs.
Elaine from Arkansas - I decided to use Duane Lipham as my agent in acquiring long-term care insurance after speaking with him on several occasions by phone. He is so easy to talk to and I was impressed by his vast knowledge of the long-term care business. I also appreciated his willingness to advocate for me with the insurance companies. At the end of the day, I was accepted by a well-known national insurance company and that was a big relief. I could not have done it without Duane’s guidance throughout the entire process from start to finish. He boiled it down and kept it simple for me. I am extremely appreciative of the job he did and will recommend him to my friends who may be looking to purchase long term care insurance.
Roy from Colorado - I am Roy and live in Colorado. I was looking for long term health care and found that the agent who handles my home and auto did not handle long term care. I began searching for agents that handle long term care on the internet and found Duane Lipham. Duane provided me not only insurance but also an education in long term care. I was extremely busy at work at the time and asked Duane check back with me on a monthly basis to answer any questions. I also called local nursing homes concerning which long term care providers were best and found that Duane was not only providing me the correct information on long term care but the best providers in the industry, according the hospitals that deal with long term care. Because of Duane’s assistance and knowledge in long term care insurance I decided on Duane as my long term insurance provider.
Mary and James from Wisconsin - Duane Lipham was very helpful in supplying me with information on Long Term Health Care Insurance. He sent me a Guide Book and a price quote on different policies. After reading over the guide book and comparing policies, we spoke on the phone, and he explained in detail the difference in each policy and why the difference in pricing. Duane was not a pushy sales agent, just trying to sell insurance. It was left totally up to me on weather or not I wanted the insurance and which policy I wanted. Duane handled all the paper work and kept me informed on the progress. When the insurance went through, he checked over the policies to make sure they were correct, and sent them to me. My husband and I both took the Insurance with Duane.
Wanda and Carlos from Texas - Our names are Wanda and Carlos. We reside in Texas. I contacted Duane Lipham several months ago when I requested info on LTCI via the INTERNET. He contacted us, offered his help to explain the inner workings of LTCI. He checked in every so often with us, sent us very good informational media materials for our review. He always was available to answer questions. Duane was unique from the perspective of not being "pushy." He would give us the requested information and then backed off and waited for us to contact him. In the end, Duane was instrumental in getting our policy processed and approved in short order. Duane is very knowledgeable on insurance matters and particularly how LTCI and the individual states interact. We were glad to get in contact, and do business with him.
Jan Haynes from Texas - My name is Jan and I reside in Texas. Duane Lipham diligently worked with me so I could get long term insurance. He was always courteous and friendly when dealing with me. His knowledge of long term insurance was very impressive and I would highly recommend him for your insurance needs.
Jeff and Jo Ella from Pennsylvania - Jeff and I live in Pennsylvania and for several months this past summer we were searching for a knowledgeable insurance agent that would give us the straight talk about long term care insurance. We finally after several home visits from other agents, were contacted by Duane Lipham who explained everything to us, answered our questions, suggested what companies to consider and what plan we should go with. He was thorough and pleasant to work with. We had several phone conversations with him and in a very short time, we were approved and now have peace of mind knowing that this very important decision concerning LTC insurance is finally over. We would highly recommend Duane.
Jay from Tennessee - I placed my policy with Duane because of his expert knowledge of long term care policies. Most of the agencies I went to or contacted only gave me one quote and didn't fully explain all of the insurance; some had to get back to me with some of the questions I asked because they didn't know if the policy covered specific items. Duane gave me five quotes and we went over each one and the specific items covered and not covered. The one I (with Duane's help) picked wasn't the most expensive but had better terms (reinstatement of benefits and other items that were of particular interest).
Norma from Michigan - I am Norma from Michigan and my husband and I recently purchased LTC insurance from Duane Lipham. We had previously worked with a couple of other representatives. What separated Duane was his clear, concise information and patience for our learning curve with this unfamiliar subject. We did not feel any pressure to go for a top price policy with bells and whistles but feel we ended up with a policy that will fit our needs and pocketbook. Our questions were efficiently answered with none of the annoying persistence I felt from others. We are satisfied that we purchased a policy we understand thanks to Duane.
Larry from Florida - My name is Larry from Orlando, Florida and earlier this year I decided to inquire about long term health care. I went to an online site to receive a quote. Within 15 minutes I received and introductory letter from Duane Lipham to provide quotes and detailed information package about the benefits of long term care. I decided to contact Duane to discuss my long term health care options. I was pleasantly surprised about his vast knowledge of long term health care and he was able to answer all my questions. The conversation was easy going and with no pressure to 'sign now'. After discussing with my wife we decided to use Duane to acquire our long term health care. All during the paperwork process and conversations with the LTC company Duane was there to provide answers and directions. It was an easy experience and now we have have long term health care as part of our financial strategy.
Joanne from Pennsylvania - My name is Joanne. Duane Lipham helped me to get a long term care policy. He was great to wrok with. I spoke to a few other agents but chose Duane. he was extremely knowledgable and was more than happy to share that knowledge. I learned a grat deal working with him. He answered questions I didn't even know to ask. He also worked very hard to help get a policy for my husband. Although my husband eventually was rejected, I felt sure that Duane did everything that was possible for him. I also liked that Duane kept in contact with me. I would hear from him every so often while the company was doing its research etc. to make sure I knew what was going on. I am very grateful for all of Duane's help. I would definitely use him again.
Bill from Colorado - As a 63 year old guy, I shopped hard for long time health care insurance. I worked with three agents, none of the them satisfactory, until I came across Duane Lipham. His expertise and honesty were obvious immediately. He offered a wide range of possibilities and counseled me on how to make the best choice. It was obvious that he had my best interest as first priority and that he had a deep understaning of this business. I am just disappointed that he limits his practice to long term health insurance. Otherwise, I would ask him to handle all my insurance needs.
Diane from Florida - I began my search for LTC insurance in the fall of 2009. Initially a number of agents contacted me with quotes and promises. The follow up was not very impressive and eventually they all fell off my radar. Duane Lipham remained at my side. What I thought would be an easy process turned out to be a little more difficult - some pesky medical issues made the process more complex. Duane kept at it and kept me informed at every turn. He patiently explained my options using emails and phone calls and we came to a decision as to what would be the best LTC choice for me. And he continued with his commitment of using only the very best insurance companies. I would highly recommend Duane as an advisor for your LTC insurance purchase. Never any high pressure and he always gives you the information and time to decide what is 'right' for you. Thanks Duane !
Nancy from Colorado - My name is Nancy. My husband Bill and I live in the 4 Corners region of southwest Colorado. I would like to thank Duane Lipham for the guidance he gave us in the selection of our long-term care policies. There was so much information to consider. I had many questions for Duane, and he was consistently patient and knowledgeable; throughout our many phone conversations, I never felt rushed. We needed an informed and caring advisor as we worked our way through the maze of long-term care options, and Duane was the right person! I had less-than-satisfying experiences with other advisors: lack of accurate information, phone calls not returned. Duane Lipham is very careful to return phone calls and emails. Every phone call ended with Duane's reminder, "Call me anytime you have a question." His website and publications were informative and reassuring. Thank you, Duane, for helping us secure our future!
Irina from Pennsylvania - As a financial professional, I have had experience dealing with many insurance agents purchasing various policies for myself and my clients over the years. However, I can say unequivocally that Duane has been the most knowledgeable, prompt, and pleasant of them all. He was of great help to me and my husband when we were selecting our appropriate coverage when selecting long-term care policy, and he was always available to field our concerns and handle whatever matters came up. We are very glad that he is in our corner.
Faye from Maryland - My husband and I recently purchased Long Term Care Insurance from Duane Lipham. We became acquainted with Duane while doing research on LTC on the web. At the same time we were dealing with a local agent, We found Duane's knowledge and genuine concern for finding the right product and features superior. In addition, prices quoted by Duane were substantially less expensive than those of the local agent for the same insurance company and product. Duane held several phone conferences with us as well as email correspondence until we settled on several companies with which to apply. We finally settled with Duane's original recommendation for the company and purchased our policy. Duane is conscientious and helpful and we recommend him heartily.
Terry from Texas - This is Terry in Cedar Hill, Tx and I want to share my experience with Duane Lipham. I chose to place my LTC with Duane because of his extensive knowledge about LTC and Genworth's financial history. Duane provided detailed information about the various policies that help me make an educated decision. I had talked to several agents about LTC, and Duane far exceeded their concern and knowledge about LTC. I had many questions (including how LTC worked in Texas) and Duane answered them all in a professional and cheerful manner. Since this is such an important decision, it was great to have Duane Lipham as a consultant. I have recommended him and the Genworth products to my friends.
Jane from Ohio - Duane is not like those insurance representatives who pressure you to make a quick, uninformed decision or to buy their most expensive product. Duane is extremely knowledgeable, honest and patient. He encouraged me to ask questions and answered in plain English that I could understand. I read all the government materials on long term care and still had no idea how to pick a policy. Duane's Guide to Long Term Care Insurance explains in simple language what is important. After he listened to what I said was important to me, Duane provided me with quotes for different products from several companies that met my needs, and then he acted more as a coach to help me determine which policy was best for me. I really lucked out by finding Duane. Thanks so much for your help!
Jerry in Ohio - "I recently began researching Long Term Care (LTC) insurance options for myself and my wife. I was very fortunate to have connected with Duane Lipham who quickly helped me to understand the various insurance features and costs. Duane helped me sort out the otherwise very complex options and their cost tradeoffs offered by the spectrum of leading insurance providers. With Duane as the interface with the insurance company, selecting the right alternatives and getting through the application steps was a very smooth and comfortable process. Duane’s personable and professional responsiveness to comments and questions, in addition to his published works on LTC, demonstrated his passion and knowledge of the benefits and options of LTC. I really appreciated his efforts and support in our obtaining the right insurance policy for our LTC needs."
Cindy from Minnesota - "I recently purchased a Long Term Care Insurance policy from Duane Lipham. After having previous dealings with a couple of other LTCI salesmen, Duane was a pleasure to work with! From the first, his priorities seemed to be 1) that I understand Long Term Care Insurance; and 2) to provide me with a variety of options and let me decide for myself what I wanted/needed. I had previously talked to several other agents selling LTCI. At best, I got a recommendation for one specific policy with very limited choices on my part. At worst, I got a quote for a policy with some fairly expensive options that I really didn't need and a lot of pressure to purchase it quickly. Duane never rushed me. We had quite a few phone calls and email exchanges while I attempted to understand all my options and make up my mind. (It really is not so cut-and-dried that someone can say, after just asking you a couple of questions, that a particular policy with these options is without doubt the ideal one for you -- you need to understand all your options and the different things offered by the different policies!) Duane answered all my questions and never tried to push me into buying more than I needed. I never thought I'd hear an insurance salesman say "I'm really not a fan of such-and-such-an-option. It doesn't really do that much good and you pay a fair amount extra for it.", but Duane said exactly that about some of the (expensive) options available. After working with Duane, I'm satisfied that I've investigated my options and have come out with a very good, but not extravagant, policy -- one that makes sense for me."
Clarence in Virginia - "My name is C.J. from Virginia. In my search of a long term care insurance policy for my wife and I, an in-depth search of local and internet resources produced one guy who stood above the rest - Duane Lipham. Duane's years of experience, and internet writing on the subject, was a huge qualifier. But the real clincher was this guy could answer my most difficult questions without having to go look it up like others I dealt with, to include my financial planner. And the two questions he couldn't answer, he provided an answer within 24 hours. Once Duane understood our requirements, he worked within our budget to design a policy that more than met our needs. Once I selected an insurance company, he worked directly with the company to iron out details, medical requirements, and final approval. And he kept us informed through it all. Duane was my professional expert and personal assistant through the entire process. And believe me, you don't want to wade through the deep waters of long term care insurance without a professional! I highly recommend Duane Lipham's professional abilities, his likable personality, and the service he provides in the long term care insurance industry."
Ken in Ohio - "I initially applied for long term care on line and had at least 10 responses. I went thru the list pretty quick and had it down to two, Duane and a man in Florida. Yours was by far the most helpful. You sent me booklets explaning benefits and five different quotes from different companies. And you followed up with me when my wife was hesitant and was patient without being bothersome. Why I took the insurance in the first place is easy. No one hopes to use it but it is a fact of life. The way I looked at it was it was an investment. We will have 40K invested and possibly use 600k worth of benefits. That is a large return on your investment money. Still hoping its never used."
Melvin in Ohio - "My wife, Martha, and I reside in Ohio, and recently we began discussing long-term care insurance. After googling "long-term care", we found a web site that supposedly would return four quotes. The only response we received was from Duane Lipham. Duane seemed very knowledgeable about the subject and referred us to several publications he had authored. Duane is very accessible, always either answering the phone or returning call promptly. After many conversations, we took his advice and purchased a policy from him."
Don in Arizona - "I want to pass along how pleased I have been with the help and assistance of Duane Lipham in my selecting a long term insurance program that fits my needs. Duane has the tools to help you figure out what your needs might be and to look at the options available and the costs involved with those options. As a military retiree I looked at the government sponsored program and found its options and block amounts didn't fit my needs. To cover my requirements I would have to buy up a level which would have made their program much more expensive. I also looked into an annuity based combo front loaded insurance program. It was just that totally front loaded. I am betting I can get a better rate of return than handing over a substantial front end load. For my situation LTC insurance is the best answer for my total retirement package. John Hancock had the best program and Duane had the answers to help guide me through the process."
Joe in Louisiana - "My wife and I met through Duane through a mutal friend. Actually, we live thousands of miles from Duane yet he was all one could ask for as a representative in long term care insurance. We had a long conversation with Duane after which we provided the necessary info for Duane to obtain quotes. He communicated with us constantly and was very responsive to all questions. We were provide several quotes which we could choose from. That was it! All along Duane Lipham provided all the attention one could ask for. I would recommend long term health insurance to anyone who wanted to protect their life savings. There is a program for everyone and not every program meets the needs of all. So Duane guided us through the process of choosing what best met our needs. The cost of long term health care is very great. Yet for minimal amounts you could protect your savings. That's what we are doing and I would recommend long term health care to all who have this interest. I recommend Mr. Lipham highly."
Steve in Virginia - "I recently purchased a Long Term Health Care Policy, (LTC), for my wife and myself through John Hancock Life Insurance, Boston Ma. My agent through the transaction was Mr. Duane Lipham , Glendale AZ. I thought I would provide a couple of comments to inform of my experience in dealing with Mr. Lipham. First of all, I know that the decision to choose a LTC policy is a tough one. We all know that it's pretty much a given that you need auto insurance, homeowners, health, and life policies, without question. However, when it comes to LTC, many of us shy away or put the decision on the back burner because we think, I'll die before I ever need it, my kids or spouse will take care of me, or I'd rather invest or spend the money now, and worry about LTC later. All good reasons. However, suppose one day you do need LTC, and your spouse or children are unable to care for you, and you end up in one of those undesirable facility with extremely substandard care. We've all heard the horror stories. I guess I would choose not to spend my last days that way. Anyway, if you make the decision to search for an LTC policy, my suggestion is, do your research. There are many policies out there that can be tailor made to fit any needs and any budget. I am a federal employee, and have access to a very affordable LTC plan through my employer. It's a good plan, with decent coverage, and painless through payroll deduction. However, before I made a snap decision, I decided to search outside of the Government, simply to see my available options. I did a simple internet search, and was advised that several agents would contact me shortly to discuss. I received several calls from agents who had good offers on specific policies that "they" thought would be best for me. The agent I was most impressed with, and decided to contract with was Mr. Duane Lipham. Specifically, he let me do the talking. My greatest concern was, I wanted an explanation on how the Federal Government Plan differs from the LTC plans anyone can offer. Mr. Lipham spent several hours with me explaining the benefits and pitfalls of each policy. I was impressed with the fact that he did not automatically trash the Government policy and praise his own, he simply provided a detail comparison on each plan. I was also very impressed with the fact that he provided me with several detailed plans of at least four insurance companies so I could compare line by line issues, and make an informative decision. He gave me more than adequate time to review the material, and did not pressure me in the slightest to make a decision. I finally chose a policy best suited for me, however I still wanted some "refinements" to make it perfect. Mr. Lipham listened closely, discussed the changes point by point, and had the adjusted policy back to me within days. In closing, I would like to say that the overall transaction with Mr. Lipham has been a very pleasant one. He is very knowledgeable on the subject matter, and very capable of addressing the questions and concerns of his clients. I have had many discussions with my fellow Federal employees, and have recommended they contact Mr. Lipham, if the need for LTC insurance is part of their life plan. I would also highly recommend anyone who has the need for TLC plans, give Mr. Lipham a call, and see what he can do for you."
Ellen in South Carolina - "My husband and I were interested in purchasing LTC insurance. We had contacted many agents and all of them wanted us to purchase their LTC insurance without giving us the option to compare. We found Duane’s website and filled out his information. He contacted us providing various quotes and we downloaded his LTC guide. Duane’s allowed us time to review the information of five different companies and was never pushy as previous agents were. When we contacted him, a month later to change the information in the quote, and receive new quotes, he was professional and patient as once again we reviewed different companies. We finally decided upon two companies, Duane took time to answer all our questions and help us decide the best company for our needs. He always returned our calls promptly. My husband and I finally purchase the best LTC insurance for our particular needs. This is an expensive and necessary investment. You need to make sure that you have someone with the best credentials and knowledge. Duane was that man for us!"
Margaret in Minnesota - "My name is Margaret & I live in Minnesota. In Jan.'08, my husband & I contacted Duane Lipham regarding the possible purchase of long term care insurance through him. Duane's patience with us lasted for 6 months; that's how long it took us to "take the plunge" & make our final decision. Duane did a very thorough job of explaining what long-term care insurance is & is NOT for. He also clearly explained all of the terminology connected with long-term care insurance and made sure we absolutely understood everything. He also answered our questions sent via email in a very timely manner. If we felt we had to speak with Duane, he was always available quickly when we contacted him via the phone. We especially appreciated the fact that Duane was never "pushy" with us as some other insurance agents have been. We even encountered a bit of a snafu due to a health condition my husband has. That was not a problem. Duane immediately found us comparably priced policies with a different insurance company. We are completely satisfied with Duane's servic & would recommend him to anyone seeking a knowledgeable, available, and easy to deal with agent."
Dennis in Virginia - "My name is Dennis and along with my wife Nancy we finally decided to quit talking about buying long term care insurance and actually begin looking for a suitable plan. As I do for most purchases, I chose to search the internet for information on available plans and companies that offered them. I came upon a website that offered "Free Long Term Care Quotes Here". Since I despise having an insurance person in my home (they always worry you to death!) I decided to ask for the free quotes, by this time I pretty much knew what we wanted and only wanted to see prices. Duane got in touch with me and I liked that he was an independent agent with access to several different long term care plans. He also was very familiar with the health conditions that Nancy and I have and seemed to understand how each companies underwriters would react to each condition (this is a tremendous help and time saver!). I felt, and still feel, that he got us the best rates/coverages that were available for us. Duane is not pushy but does have a passion to point out things that he believes are in the best interest of his clients. Unlike most insurance agents I found him to be extremely knowledgeable of all product lines available. I never got the feeling that he was pushing me toward a product that was to his financial benefit rather than ours. I highly recommend that you discuss your long term health care needs with Duane. I suspect you too will be more than satisfied with his suggestions for resolving your Long Term Care needs."
Ken in Ohio - "It was a tough decision, almost overwhelming, initially, choosing among various agents and various products—but then we had the good fortune to find Duane Lipham, and Duane made things a lot simpler, and helped us make what probably was one of the best decisions in our 32 years of married life. Thanks, Duane!. "
Louise in South Carolina - "My name is Louise and I live in South Carollina. I purchased my Long Term Life Insurance from Duane. He was by far the most informative and knowledgable agent that I contacted. Duane worked with me via e-mail and telephone conversations. He assisted me with my application and was always available to answer any questions."
Bill and Paula from Minnesota - "Long term care is an important issue for many of us but the plethora of plans and options makes it very difficult to decide the best policy to buy. We were fortunate enough to find Duane Lipham to guide us through our insurance travels. Duane is friendly,very informative and able to give you information that makes policy choices very clear. He stays with you from the first phone interview to the final confirmation that the policy has been approved. We were very pleased and would recommend Mr Lipham to anyone needing information or assistance buying long term care."
Sharon in Arkansas - "My name is Sharon and I live in Arkansas. I recently purchased a long term care policy from Mr. Duane Lipham and my experience with him was a very positive one. I found him to be very knowledgeable and he gained my trust immediately. I had contacted another individual in regards to a quote and I quickly felt that he was pressuring me with constant phone calls. Mr. Lipham on the other hand provided me with the information I had asked for and followed up with a phone call and an email just to ask if I had any questions. I never felt pressured by him and this greatly influenced my decision to purchase through him."
Jeannie from Ohio - "I'll be brief. Duane Lipham is a lighthouse in the deep dark waters of long term care insurance. Let him guide you. Duane listened to my concerns and answered ALL my questions. He gave me the information and facts I needed so that I could make an intelligent decision on the policy that I feel confident is the right one for me. THANK YOU, Duane. You are one of the most helpful persons I have ever met."
Mary from Texas - "I am Mary from Texas. I purchased a Long Term Care Policy from you in August after having researched several insurance companies and having spoken to at least three other insurance agents. I purchased my insurance from you because you provided me with the opportunity to compare policies, and to choose a policy from a highly rated company that will fill my needs and be affordable."