Ray is one of the top long term care insurance specialists in the U.S, and a member of the N.L.T.C. He has specialized in long term care insurance since 1998 and is Indiana Partnership certified.Ray lives in La Quinta, Ca. with his wife and business partner Joy. Happily married for 35 years, they have a son, daughter, and five grandchildren.Playing varsity football and majoring in Theatre Arts at U.S.C., Ray graduated cum Laud and worked as an actor for several years. He appeared in many television shows and stage productions throughout the U.S. Opting for a more settled life style, in 1965 he began his insurance career, specializing in disability Insurance.In 1998, Ray discovered long term care insurance due to an illness in his immediate family. It became immediately obvious to him that though most people routinely insure their homes, their cars, and health but are unaware of the risk of having to pay thousands of dollars a month for long-term care when chronically disabled. He saw how much wiser it would be to transfer those financial risks to an insurance company. "Long term care insurance isn’t just for the elderly and the very wealthy. Most people would prefer to be at home if they need care”. Today’s policies are structured with the emphasis on care in your home, as long as it's practical. The Asset Protection feature that the Partnership Plan provides makes this type of coverage an invaluable Retirement planning tool.Ray's approach simplifies the product and illustrates how benefits can be structured so that plans are affordable. "When you meet with me, whether you apply for coverage or not, you will understand how this type of coverage works; how the plans are custom designed and what your premiums would be for your specific needs. Most importantly, you will be able to evaluate whether or this type of coverage is appropriate for you.".