Retirement Answer Man Long Term Care Insurance Program

Where planning is easier

A marketplace of solutions to help you own meaningful benefits to fit your budget.

Mutual of Omaha

What is Long Term Care?

Personal Care

Personal Care

Assistance with activities like bathing, dressing, or getting up from a chair. It is sometimes called Custodial Care.

Professional Care

Professional Care

Care from skilled or licensed medical personnel such as physical therapy and administering certain medications.

Supervisory Care

Supervisory Care

To help you if you get Alzheimer’s Disease or other kinds of dementia.

Think you’re covered?

Health insurance , the Affordable Care Act, Medicare and Tricare are not designed to cover Personal Care, Professional Care, or Supervisory Care. Medicaid (MediCal in California), may cover some long-term care expenses but requires you to become impoverished to qualify.

As a result – There can be significant consequences to you and your family if you fail to plan for long term care expenses.

Think you’re covered?

Why Insurance?

Without long term care insurance, you pay for the costs of long term care.

Proper planning can...

  • Help keep you comfortable and safe at home and help you afford quality care outside your home.
  • Help your loved ones maintain their emotional, physical, and financial wellbeing

The proper long term care insurance plan can help you have more choices in the type and setting of care you receive.


It’s not just for you, but for everyone you’ve invited into your life.

  • The need for care has potential to strain family relationships, not strengthen them.
  • The physical requirements to provide care to a loved one can be demanding and difficult for family members to address.

We don't imagine asking family to help. Without proper planning, what choice are we leaving them? Owning the right insurance can help those you have spent a lifetime protecting.

Get a Quote

Work with a specialist to help you with each building block.

They can help you add finishing touches so your insurance plan provides meaningful benefits that fit your budget.

Our Team

Our specialists make it easy to understand and own an insurance plan to help address what is important to you and your budget.

Rhonda Leach-Potter, CLTC


Nancy Dykeman, CLTC, CSA


James Haunroth


Bill Dyess, CLTC


Blaine Webb


Jerry Brown


Katherine Robbins, CLU


Steve Spahr, CLU, RHU, ChFC, CASL

Sales Support

Denise Adrian

Sales Support

Lenny Kestenbaum, CLTC, CLU, CRPC, AAPA, FALU, FLMI, RHU

Sales Support

Pam Najdowski

Case Manager


Vice President

Steve Cain, CLTC

National Sales Leader

Maria Garcia

Sales Support


Here is what some of you have had to say.

Shirley Altoona, Wisconsin
Larry Luck, Wisconsin
Thomas Bridgeport, Michigan
Hannah Saint Albans, Vermont
Kelly Grand Junction, Colorado
Mike Kennelon, New Jersey
Cynthia Riverside, California
Lyn Grand Rapids, Michigan
Robert Renton, Washington
Dale Bloomington, Illinois
Mike Sunnyvale, California
Catherine Melbourne, Florida
Bobbi Kansas City, Missouri
I was denied Long Term Care insurance 4 years ago by every company in the U.S. that offers it. Nancy was able to offer short-term care insurance as a solution which I was approved for. Nancy was a pleasure to work with. Highly recommend working with Nancy.
We can see, via comparison to our experiences with 2 other LTC agencies/reps, that Nancy is a genuine "advisor" interested, first and foremost, in our personal situation. Nancy is top-shelf.
I was impressed by Rhonda's knowledge, and her guidance in helping to choose the coverage options. She answered all of our questions and we felt comfortable with our choice.
Rhonda was very helpful and even told me that I may not need this coverage which was honest and kind.
I felt very well cared for during this transaction. Rhonda went above and beyond to research the best options for me.
James was very patient and informative and didn’t pester me when I decided not to buy at this time.
James did a wonderful job! He was thorough, professional, and spent a lot of time helping me to find a policy that would meet my needs. James should be commended for his professionalism and dedication to his job.
Audrey was great. I enjoyed working with her over the phone.
Audrey was AWESOME at providing the information necessary to help me in making my decision. Thank you.
I have not made a decision yet. However, Steve was VERY good at providing me the info I needed to process a future decision. Thank you!
We appreciate everything David did for us as well as his professionalism and courtesy throughout all our interactions. Even though we ultimately decided not to purchase insurance, we learned some important things along the way.
I choose David because he came up with ideas that worked for us. Knowledge, insight and good ideas is what we needed.
Blaine was very happy to explain the advantages of the competing plan which ended up being more ideal for our particular situation. Very informed and forthright. Really appreciated his honesty and insight.

Ready to get started?

Call us, request a consultation, or provide us some information to pre-qualify and we will email quotes to you.

Select from three convenient options to receive a personalized quote.


1. Call us

(855) 204-1214

2. Request Consultation


3. Pre-Qualify / Get Quotes

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