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“Michael was a great resource to work with. Highly recommended! We have existing traditional long-term coverage through a public employer that has recently announced significant rate increases (over 90% over two years) and a suspension on new policies being written. Michael was very patient in learning about our situation and running various scenarios of available coverage in our state (which are different from most of the rest of the country). In the end, he actually recommended keeping our existing policy (for now)!

We will definitely look to Michael again when (not if) there are future rate increases to help us consider whether to switch to or supplement with another policy. He is very knowledgeable of the ins and outs of the various available policies and gives very open and honest advice. There was never any pressure to buy and he respected our need to really take our time to think this through.”

Jaime J. | San Francisco, CA

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Michael provided me and my husband with solid insurance advice when we were considering policies. Michael is an experienced, knowledgeable, and very patient insurance agent. I find that he takes his time to fully explain the products and terminology we tend to overlook. I believe Michael’s honesty and personable approach makes him stand out in an industry driven by numbers.

– Charmaine W. | New York, N.Y.

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I was very happy with the service that Michael provided. He is very knowledgeable of long term care insurance policies. He presented the information about policy options clearly, was very informative, and made sure I felt confident that I understood everything I needed to know to make a decision. All our communications were through phone call or email. It was lot better than I expected it to be. Highly recommend his services!

– Cheng Z. | Chicago, IL

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Michael’s clarity and honesty really helped me and my wife fill in the important insurance piece of our financial plan. We’re now whole and confident moving forward! Highly recommended!

– David & Shanika W. | Hackensack, N.J.

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I talked with Michael about hybrid long term care insurance. Michael explained very well the positive and the negative points about this type of insurance. He also convinced me to keep an older policy as this was in my best interest.

After providing me with a quote for coverage to supplement my existing one, he thoroughly explained each item in it. Michael listens to what you say and provides you with what you need. I feel that Michael is an ethical and practical insurance professional.

– James B. | Greenville, S.C.

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I am very happy with the long-term care product Michael recommended. His knowledge and ability to explain it was great. I would use his services again and highly recommend them to others.

– Mike H. | Coconino County, AZ

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I visited Michael’s website to research various hybrid long term care solutions available on the market. His website provided valuable information to help me see the various options available.  He was able to guide me thru the advantages/disadvantages of the different choice and was able to suggest an option that was tailored to my specific needs.

He was always available to answer any questions/concerns I had (we are on opposite coasts so at times he would be available after his office hours to make it more convenient for me). I would highly recommend his services if you are looking for Long Term Care Insurance!

– Vipul P. | Santa Clara, CA