Testimonials

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My life is better because of Tom Varner. When I applied for long term care insurance, Tom walked me through the process every step of the way, and I am so grateful for his help. I recommend Tom to anyone and everyone. Thanks Tom !

As a mortgage lender and sales leader for a regional bank, I have worked with many outstanding sales professionals. Tom Varner brought to my situation the skills of an experienced pro. He was detailed with the numbers, which I wanted. He was courteous but persistent with his follow up, which I needed. Tom helped me get insurance coverage despite the fact that I was initially declined. He helped to achieve my ultimate approval by understanding my health details and then working to provide a more complete set of facts to the Underwriter. His help was timely and critical to my case and was very much appreciated.

We obtained LTC coverage through Tom Varner in 2001 when my wife and I were age 61 and 63. Several weeks ago I received a notice that my wife's premium was increasing. So, we called Tom to discuss our options. Since the benefits had been growing with a 5% compound inflation rider they had more than doubled over the last 20 years. Tom pointed this out and he inquired about our overall financial situation. Based upon what I told him, he suggested dropping the inflation rider to lower the premium. He then made a conference call with the company, I requested the change Tom recommended and it reduced my wife's premium. About 10 days later Tom called to follow up, asking if I had received paperwork evidencing the change. He also asked about my health and my wife's health. It was at this time that I first told Tom about my wife's difficulty recovering from hip surgery performed two months earlier. He asked me who was providing care for my wife and I told him that I had been her sole caregiver. Tom also asked about my wife's cognitive abilities, and I told him they had been diminishing and she had recently been put on medication for that. Tom then reminded me of the reasons we had obtained this coverage in the first place, that in his opinion my wife was eligible for benefits for both the physical and the mental benefit trigger, and that only one of the two reasons was needed for my wife to receive insurance benefits. So, that same day he created a conference call with the company and I initiated a claim for my wife. Then, Tom created another conference call with the company's billing department to add back in my wife's inflation rider. He explained that by doing so my wife's benefits would continue to grow each year as they had been, and that the premium would cease anyway once she actually went on claim. Tom has stayed involved to monitor my wife's claim. Ed S.,Rochester, MI

Thank you for helping us understant all of our optons for long term care coverage - we were not familar with the Hybrid Plans that either pay for long term care or a death benefit if care is not needed - Ava Davison

Thank you for your time last night,We appreciated the opportunity to connect and see the options we have. My husband and I talked afterwards about how much we appreciated that you laid everything out and did not pressure us to commit to "buy". We can see why you focus on long term care and have done so for so long, you are a great Representative for the plans. We look forward to working with you, Kelly

Thank you for your expertise on long term care planning -this is something we had talked about but you were able to explain it in a way that made sense and helped us secure coverage that is affordable and adequate Todd

Very educational session - Tom very knowledgeable, was not a salesman -gave the information, answered our questions, helped us design coverage that fit our budget. would recommend him to anyone Don and Mary Kenyon

Thank you - we appreciated the professional way you helped us with our long term care planning - educational and not pushy will refer you to our friends and family Cindy and Bill Harris

Thank you for helping us obtain our long term care coverage, we appreciate you non-sales approach - you were informative and offered advice but did not push us at all. We can now sleep better at night knowing our kids won't have to do what we did with my mother Bill and Evelyn Brown

Dear Tom, Thank you for assisting me in finally preparing for my long term care needs. Your knowledge about the various instruments was most impressive. I really appreciated your attention to detail, as well as your patience in answering my concerns. It was such a pleasure to work with you. Victoria

Thank you Tom for your expertise and advice while helping us with our long term care planning - will be recommending you to all my friends - will be sure to refer you to all my family as well Howard Griffith