My wife and I had put off looking for Long Term Care until we recently learned first hand how valuable it can be due to a parent using their LTC coverage they had purchased years ago. After getting thoroughly confused researching the internet I remembered a longtime friend sold LTC. That phone call to Sandy Essex is the best decision we could have made.

Sandy is extremely knowledgeable and was able to answer all our questions. We learned so much about LTC from her in just a few phone calls. We would never have learned this much pertinent information from all our searches.

Sandy had several options and providers available for us to choose from that fit our financial and Long Term Care needs. Even after we were approved, she was able to make changes we requested to our policy.

I would highly recommend  Sandy to anyone who cares about their future long term care and financial well-being.


Brian Hartwig



When I began to give serious thought about a possible need for long-term care, a friend recommended Sandy Essex. Sandy took her time with me, discussed my situation and concerns. She had the knowledge, the patience and the compassion to explain in detail how this LTC insurance works.
I highly recommend Sandy Essex as your long-term care planning advisor.


When you work with Sandy, you are working with a tenacious fighter who believes in you and wants the best for you. I was not an easy case due to my medical history, but after nine months of working to satisfy the underwriter’s concerns, my long term care policy was granted! Through the entire process, Sandy advocated for me, and together we cleared the hurdles. Sandy is honest, straight-forward, caring and committed.  I highly recommend Sandy to anyone with LTC planning needs!




I want to thank you for assisting me through this insurance purchase process to the end until the policy was issued.  This included making a three-way call to my current insurance company to cancel a policy. I want to also thank you for educating me on LTC/Life insurance hybrid in a simplified way that made it easy to understand immediately. 

Your name was given to me by a trusted neighbor who had purchased LTC through you. I will admit I was not convinced that I needed LTC, but when you presented the LTC/Life Insurance product, it was a no-brainer. And, keep in mind I’ve only met you over the telephone.

Your knowledge of the product and professionalism was impressive.

The presentation via software download on my computer and in the comfort of my own home was a plus. The software was very easy to navigate.
Very progressive, streamlined, and nothing I had experienced before.

Most important to me was that you listened to what I wanted, and did not try to oversell or intimidate me into investing in something I didn’t want.

You heard me!

Finally, I’m pleased to see a female insurance representative in a business that seems to still be mostly male saturated.


Thank you again!

Susan E. Perdomo

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