Melissa's   knowledge and expertise were invaluable in guiding us through the process of selecting and obtaining long term care insurance.  She was able to thoroughly explain the insurance features and appropriate features and appropriate options available to us in this complex program.

Melissa was also very patient in answering our many questions, with no pressure to submit an application until we were comfortable.  Her advice enabled us to make a decision with confidence.  We would highly recommend Melissa to anyone considering long term care insurance.

Bob and Melissa D, Glen Arm, Baltimore County, MD