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And now we have added peace of mind...Kathy a., Billings, MT

We would recommend Joel to anyone pursuing LTC insurance.Vonda &., Billings, MT

You answered my questions with clarity to fit my situation.Bob P., Kalispell, MT

He served us with integrity, honesty, and always with our needs in mind!Larry &., Helena, MT

He bent over backwards to help us.Luanne &., Spokane, WA

You are highly recommended!Lisa F., Hayden, Idaho

He was honest, forthright and answered all our questions fully.Deb a., Coeur d’Alene, ID

Joel was very helpful...Jean &., Billing, MT

Joel is honest, patient and well informed.Keith a., Spokane, WA

I thought he did a thorough and excellent job as a Dave Ramsey ELP.Kelly B., Spokane, WA