Pastor Robbie and Lynn J. - Chesapeake, VA

My wife, Lynn, and I, went looking for a Long Term Care Insurance policy, and we feel very fortunate to have connected with Mark Covey. Mark has been a tremendous help every step of the way, answering our questions, and giving us information that provides clarity and peace of mind regarding our future. We could not be more pleased with the service that he provided and feel that we have a partnership with our agent as we are creating a plan to assist us and our children as we approach this next season of our lives.

Pastor Meraz - Trinity Lutheran, Norfolk, VA

Originally declined for LTC coverage several years ago in Nebraska, some of my situation was changed and I decided to try again. I was led to Mark via the Dave Ramsey ELP site. Mark responded in a more than timely manner to my original contact and than was ever-present as he guided me through the application process. His communication skills are excellent in a world where those skills seem to be disappearing. I was approved for coverage and am happy to recommend him to those looking for a person who follows up.

Charlie and Melanie K - Glen Allen, VA

Working with Mark has been great! We found Mark through Dave Ramsey’s organization as an LTCi ELP. Mark was always very patient and promptly answered all our many questions. He helped us navigate the application process and was always patient with all our questions, and assisted us in staying on track through the process. Melanie and I were extremely satisfied with Mark’s expertise, patience, and communication at each step along the way. I would highly recommend Mark if you are planning to purchase LTC insurance.

Todd and Laura W. Centreville, VA

Mark did a great job in being patient with us, answering questions, and keeping us on track. For us, the approval process turned out to be more complex and drawn out than expected because we always had pending medical issues. If Mark had not kept us moving forward, we would have probably procrastinated and never would have completed this important process.

Ken & Karen G. - Williamsburg, VA

We are grateful for Mark’s patience and expertise.  Karen and I long considered Long Term Care Insurance so we could be better prepared for our future years.  Mark talked with us over a period of time; answered my many questions; and sent us helpful comparisons and relevant articles to help us sort through the details.  When we reached a decision to purchase, he and the team guided us in the process, with the outcome of what we believe is the best policy for us.  We are thankful to have worked with Mark

Sheila W - Marshall, VA

I would just like to say a big thank you for all your help and patience and ongoing communication in keeping me updated throughout the process.  Many thanks to Mark Covey. 

Joey L. – Colonial Heights, VA

Working with Mark has been great! I found him through Dave Ramsey as a LTCi ELP. At first, the LTCi process seemed a bit daunting but Mark always made himself available to discuss any questions or concerns as I navigated the application process. I’m extremely satisfied with the results and attribute it to Mark’s expertise, patience, and communication at each step along the way.

Lela I. - Chesapeake, VA

“I really appreciated Mark’s professionalism, patience, and knowledge when researching and purchasing long-term care insurance. He informed, educated, and walked me through the process, allowing me time to think, pray, and make a solid decision for my family’s future.”

Josh and Kristin - Midlothian, VA

“Mark was great to work with! We found him through the Dave Ramsey ELP program. Mark was very helpful and patient with us in finding the best policy that fits our family. He explained everything in a way that helped us understand and was always willing to answer our questions. Highly recommend! We felt truly blessed to work with him.”

Susy K. - Locust Grove, VA

“ I found Mark through Dave Ramsey’s ELP Program and found him to be very knowledgeable. He was well versed in all of the options for potential coverage in terms of different companies and coverages. I found his explanations trustworthy and supportive of my specific goals. I feel very confident that his guidance led me to the best possible decision for myself and my family. I highly recommend Mark Covey.”

Christy and Guy K - Reva, VA

Mark Covey did an excellent job in providing us with the resources needed to choose our long-term care insurance. As the Dave Ramsey ELP for VA, we were comfortable from the get-go with his expertise. His communication was excellent, keeping us on task. Thank you for taking excellent care of our future!

Christy B. - Centreville, VA

Mark Covey was such a great help as I was researching which long-term care insurance was best for me.  He was professional, helpful, friendly, patient, and answered all my questions…sometimes more than once, as there were so much information and many policy options to go through.  He made the process smooth and easy. I highly recommend him! 

Sandra W. - Winchester, VA

I could give a bunch of reasons why I started looking for LTC Insurance and chose Mark Covey. Instead, I have listed the most important things you need to know if you are considering working with Mark:
-He is very easy to work with;
-He is knowledgeable and provides answers in a way that are easily understood;
-He is professional yet very caring and understanding of individual needs and situations;
-He is all about providing information to help you, the customer, make an informed decision;
-He responds in a timely manner when asked questions or presented with different concerns, etc.
-He operates under the Ramsey Trusted Providers program, adhering to the Ramsey values with excellence in business and financial interactions;
-He goes above and beyond to provide excellent customer service.
I wish I had met Mark and had known about the Ramsey Trusted Providers before I made other decisions for my financial future

Steve and Laurie T. - Centreville, VA

We’d looked at LTC before but just did not feel we got the understanding we needed to make a good decision. We were blessed to connect with Mark through the Dave Ramsey ELP website. Mark was excellent to work with, he explained everything in detail, answered all of our questions, and even provided additional information on costs and trends that helped us formulate which options and coverages would work best for our needs. Mark was easy to reach, followed up right away, and was patient with us as we worked through the materials. In the end, we’re confident we have the right policies for us and the experience with Mark was pleasant, informative, and professional from beginning to end. It can be hard to find superior customer service anywhere these days, so it was truly refreshing to work with Mark, and would recommend him without hesitation if you are looking to explore and set up LTC insurance.

Bill and Beth E. - Virginia Beach, VA

We were looking for LTC insurance and came across Mark through Dave Ramsey as he is a member of Dave Ramsey’s Endorsed Local Provider Program.  We contacted Mark, worked through all of the options and had all of our questions answered, then applied for coverage. Shortly thereafter we signed all of the paperwork and now have coverage in place. It was a very easy process and Mark guided us through it with patience and perseverance while sharing his expertise and extensive knowledge and we couldn’t have been happier with the process and the product. We highly recommend Mark!

Lance M. - Richmond, VA

Mark was great to work with! I found him through the Dave Ramsey ELP program. He was extremely knowledgeable and helpful in guiding me to select the LTC policy that was most suited to my needs. He was professional in every sense, responding to my emails and phone calls promptly. His follow-through was impressive. I would highly recommend Mark.

Jim and Kathy H. - Chesapeake, VA

We reached out to Mark to learn about Long Term Care and see if we qualified and if we could find a policy that would fit in our budget. He provided several options and we decided on a policy and Mark was very helpful through the whole application process and answered all of our questions. We would definitely recommend him to anyone seeking Long Term Care.

Douglas M. - Nokesville,VA

My wife passed away on March of 2020 and I wanted to find a policy to cover me in case I became incapacitated so as not to burden my children. The first company that we applied with declined me and then we found another LTC carrier that approved my application. Mark and his colleague Carolyn made the process easy and quick and now I have the coverage I needed.
Nice people to work with!

Christine C. - Plano, TX

I had been considering LTC insurance for a few years, but I became overwhelmed with all of the options and considerations out there. Mark and Kathy took the time to explain all of the aspects of LTC insurance and helped me choose a policy that works with my needs and budget. Thanks for your patience and assistance!

Sheryl C. - Midlothian, VA

Mark was very helpful in guiding me through the process of getting an LTC policy.   He is very easy to get in touch with to schedule a time to talk.  He provides the information you need promptly, and in a clear and easy-to-understand format.  I am pleased with my LTC policy. I would recommend Mark to anyone looking for long-term care insurance.

Preston and Laura B., Chesapeake, VA

Mark has been invaluable in this process from start to finish.  He has been the utmost professional, trustworthy, patient, and always available to respond to any questions or concerns.  This was a very smooth, no pressure process and he more than earned our business. We would highly recommend Mark to anyone considering his services. 

Bob and Margaret C. - Broad Run, VA

Mark and Carolyn were a tremendous help walking us through the LTC minefield. We were very happy with the service and care that we received as Mark educated us on the different policies and his advice was crucial in our decision making. We had reviewed insurance with three other agents and found that there are a huge difference in options, policies and price Mark got us the policy we wanted at a price, we can afford.

Michele G. - Richmond, VA

Dealing with Mark Covey to obtain my LTC insurance was a great experience. Mark was so helpful throughout the process. I was initially denied coverage, due to some incorrect information that the insurance carrier obtained from my physician’s office. The carrier had noted that I was denied coverage due to diabetic neuropathy, which I had never been diagnosed with. Mark instructed me to obtain a written letter from my physician objecting to that fact and return it to him. He then submitted that letter to the carrier, and within 2 or 3 days, I had been approved for coverage! I could not have been happier! 

I highly recommend doing business with Mark. He is very professional and really goes above and beyond. 
Sharon and Adolphus M. - Newport News, VA

Mark has provided us with professional and friendly assistance in the complicated business of choosing and applying for long-term care insurance.  He provided valuable information in a timely manner when asked about any situation.  We feel we have an excellent product that provides us peace of mind as we enter our golden years.  Thank you, Mark!  

Bo Y.- Virginia Beach, VA
Mark was great to work with and I highly recommend him. He explained everything and always answered our questions. It’s not easy to navigate all the insurance options but his knowledge was superb!  
Sally S. - Paeonian Springs, VA

It was overwhelming watching my aging parents navigate their LTC insurance. I came across Dave Ramsey’s site while doing research for them. Mark made the process of choosing my own LTC painless. He patiently answered my many questions and was never pushy. I highly recommend Mark for anyone interested in securing LTC insurance. I now have peace of mind that my kids won’t be burdened with my care in the future.

Judith G. - Mechanicsville, VA

I recently had attended a Dave Ramsey course and he strongly encouraged getting LTC insurance.  I was told it was very expensive and not really something anyone could afford nowadays.  Boy, was I wrong!  Mark Covey was able to go over multiple options that made getting this coverage reasonable.  I would highly recommend meeting with him to discuss your options before you simply say it is out of reach. 

John and Kathy R. - Sterling, VA

Mark Covey has been a tremendous resource and help in first selecting the best Long Term Care policy for our needs and then going through the intricate application process in obtaining the policy. He has always been prompt in answering our questions and giving us the needed guidance! We are now in possession of the policies that we have worked together to obtain! Thank you very much, Mark. We highly recommend Mark to anyone who is beginning this process!

Alice & Todd, Hartfield, VA

My husband and I found Mark through the Dave Ramsey network. He quickly responded to our request for information. He met on our schedule, coordinating an early morning meeting near another appointment we had that morning. In our meeting, he took the time to answer our many questions until we fully understood long term care insurance in general and options with different companies. Mark was very thorough and patient. He kept us up-to-date throughout the underwriting process. What sold us was that he is just an ordinary fellow. He didn’t make us feel like so many insurance salesmen make us feel- like he is only interested in selling a product and doesn’t really care about the person needing the insurance. He was not pushy. He was great to work with. If he sold other types of insurance, you can be assured he would be hearing from us. Thanks, Mark, for making this task a little less painful. It was a pleasure doing business with you.

Greg & Ora Lynn, Harpers Ferry, WV

We have unwisely put off purchasing long term care for years. Finally, in our 70’s, we found Mark Covey who guided us through the process very patiently. He was quick to respond to every question along the way, and at no point did we feel overwhelmed. There was never any pressure to purchase insurance. At the end of two months we now have a policy that gives us peace of mind. We would definitely recommend Mark Covey as someone who can help navigate a very daunting task.

Pastor Roger & Elisabeth - Marietta, GA

Patient, knowledgeable, friendly, professional! We highly recommend Mark. Long term care insurance was suggested by our financial advisors but presented daunting and confusing choices. We were referred to Mark who guided us in exploring and understanding options, coverages, and costs. Never pushy, Mark gave us the time we needed to feel comfortable and happy with our decisions. He provided helpful information every step of the way and was always quick to respond in a friendly and professional manner. And did I mention he was patient with us? Thank you, Mark!  

Tonya R. - Afton, VA

Mark had helped my husband and his siblings with their LTC insurance needs. I found him very informative and easy to work with while he answered all my questions. He is also very personable. I highly recommend him and appreciate the confidence I feel in the product I purchased. Thanks for your persistence!

Diane & Jim - Manakin-Sabot, VA

After dealing with my aging parents and their high costs of care, my husband and I decided to look into long term healthcare for ourselves. We hope it will save our children from the cost and stress we are under now with my father. Mark was wonderful in guiding us through this process. He helped us narrow down our choices and find the best policy for both of us. I highly recommend Mark if you find yourself in need of insurance.

Randy & Mickie - Jenks, OK

My wife and I had been considering the need for long-term care insurance for some time. My sister in Atlanta had used Mark in her search and was very pleased with the service he provided. Mark did a great job for us as well. He provided several options and discussed the pros and cons of each. While the company I work for has an agreement with a third party provider we choose Mark because of his professionalism, knowledge and quick response time. He was always available and very prompt in responding to my inquiries. The best part being he was never pushy or overbearing. Mark helped us in securing term life insurance for me as well.

Linda Z. - Gainesville, VA

When I decided to begin researching long term care coverage for myself last year, I was fortunate that my internet searches for help in this matter led me to Mark Covey. Mark guided me through the maze of policy options and ultimately helped me to identify the coverage that was right for me. He patiently answered all of my questions and provided documentation to help me understand the special terminology used in these policies, along with explanations of the policy options and pricing. When we narrowed the policy choices down to my “short list”, he helped me through the application process and served as a very helpful liaison between me and the insurance company until the underwriting process was completed and the formal policy was issued. I could not have been more pleased with the assistance that he provided.

Tom F. - Arlington, VA

Should I need to purchase another LTC policy in the future, I would contact Mark Covey without hesitation. He knows the products very well and was an expert sales representative of the policies we compared. His management and follow through on our complex double policy purchase was also well done.

Colleen & Mike - Raleigh, NC

I knew that my husband and I would need long term care insurance to protect against future needs. I got Mark Covey’s name and gave him a call. I found him to be very patient with all of my questions over the many months. He gave me lots of choices and helped me narrow down to one company. I feel very confident with the choice I made and would recommend Mark very highly. He cleared up all the confusing details and gave me all the time I needed. I never felt rushed or pushed. I feel confident that we’ll be okay if and when the need arises as we get older.

Deby F. - Hendersonville, TN

Mark was so helpful throughout the entire process of acquiring long term care insurance…from explaining what it is, what it does, and helping me decide on the best options for my future care needs. He was pleasant, professional and patient. I can now rest well knowing that if and when the time comes, I will be covered and be in control of my care. Thanks Mark!

Philip C. - Jersey City, NJ

My sister was thrilled with the service Mark provided and strongly recommended him. And she was right! From day one, Mark made the process very straightforward and simple. He identified a number of plans that were suitable for me, answered all of my questions quickly and clearly. I could not have asked for a better guide in navigating the task of finding this type of insurance. Thanks for all your help Mark!

Connie & Tim - Collierville, TN

I began researching LTC policies after speaking with an elder care attorney handling my parents’ trust. My parents had not planned for LTC and it’s not an issue my husband and I wanted our children to be faced with for us. Initially, I was interested in a policy for myself unsure that my husband would qualify. Mark suggested that we apply together. He explained if my husband was not approved for a policy then I could continue with a policy for myself alone. Mark sent us a side by side comparison of policies & benefits from top rated companies. When I had questions Mark responded immediately. I received updates on where we were in the process weekly. Mark simplified a complex process for us and we were thrilled that both of us were approved. We greatly appreciate the guidance that Mark provided.

Brian & Janette - Kenna, WV

I’ve always had the desire to have my life in order. I feel there is something to be said for those who work, save and prepare, as best they can so that they will not be a financial burden upon their family or the American Tax Payer. God has blessed my wife and I. He has given us the knowledge and the means for us to finance, as best we can, our possible future healthcare needs. Mark Covey became a part of that planning process several months ago. We did most of our correspondence by email and Mark was very quick to answer questions and was very knowledgeable in his work. He was never pushy and was patient with me as I slowly came to a decision as to what I felt my wife and I needed. Great guy to work with! Thanks, Mark!

Paul M. - Grayson, GA

I was put in contact with Mark through the AALTCI website and am very glad I made that choice.  Mark was always prompt and professional in responding to emails and phone calls and his extensive knowledge of the industry was very helpful in placing me with an excellent company with the coverage I desired. I would recommend him highly to anyone looking for LTC insurance.

Andy & Diane - Abingdon, VA

Our parents purchased long-term care insurance many years ago. As we watched how it helped two of them we decided it was time to purchase policies as well. Like many people, we found Mark through the internet. We were slow and deliberate in the process. As we expected his knowledge helped us in our purchase. Additionally, when it came time to finalize the purchase, he went above and beyond to get the process completed for us in a timely manner. He and his office graciously and enthusiastically helped us, even during his vacation week! We are glad we found and then let Mark help us with this process.

Joe & Michelle - Roswell, GA

What a pleasure to work with someone like Mark who really knows what he is talking about.  He did a wonderful job helping my wife and me to acquire the right LTC to suit our needs.  He really made the information easy to understand, and that in itself is a tough job considering how convoluted the information can get.  Mark also really did a great job getting us insurance from a different company after we had been declined by the first company we applied to.  Thanks Mark for a terrific job!!!

Joan and Ed - Fallston, MD

My wife and I worked with Mark on a joint LTCI policy. He was very knowledgeable, patient, and responsive to all of our questions and concerns allowing us to make an informed decision in a somewhat overwhelming and complicated process. I believe his experience and expertise helped us select the best policy suited for our particular needs. I would recommend Mark to anybody who is interested in obtaining the best value long-term care insurance policy on the market.

Cheryl D. - Hedgesville, WV

Mark proved an invaluable guide during the selection of a long-term care insurance policy. His knowledge of the different options and patience in answering my questions, made the daunting task of choosing the correct policy for myself, so much easier. Thank you, Mark!

Gretchen & Roger - Norfolk, VA

We found Mark to be extremely knowledgeable, objective, and not the least bit “pushy” as we worked through our insurance preferences and policy options.  Mark provided additional literature to better educate me on the myriad insurance options and personal family preferences;  he always followed up with detailed explanations for any specific questions that we had.  All of our “meetings” were conveniently conducted via phone calls that accommodated my timeline and work schedule.  He even replied to one of my weekend email queries while he was on vacation, visiting family (WAY beyond the call of duty)!  I liked Mark’s customer service style and felt very comfortable working with him.  I’ve passed his name along to several of my friends who are in the market for LTCi.

Dane & Connie - Rising Fawn, GA

After a significant amount of study, my wife and I concluded that Long Term Care insurance is a key part of sound retirement planning. We contacted three outstanding companies recommended by consumer advocate Clark Howard. As the process unfolded, Mark emerged as our top agent of choice. Presented information was relevant, timely, and easy to access. In our research about LTC insurance, my wife and I developed specific thoughts related to policies terms appropriate for our situation later in life. Mark honored our preferences – presenting three solid customized options. We never experienced any high-pressure sales – just great service!

Bill & Elisabeth - Matthews, NC

I wanted to recommend Mark when you are searching for Long term care. My search started when my company announced that LTC would be available as a new employee benefit. Mark helped me understand the differences pro and con of the corporate offering and found a solution that was better and even less expensive.  I also consulted another advisor who sells whole life insurance products that can also address LTC costs. He compared the solution from Mark and what he could offer and said Mark’s solution was better!  And Mark is easy to work with and responsive which enhances the overall buying experience!

Mark H. Covey, CLTC, CSA

Mark H. Covey, CLTC, CSA

Member of Dave Ramsey’s Endorsed Local Provider Program

LTCi Dictionary