Ramona Neal has 29 years of experience in the life insurance industry with roles in field sales, competitive intelligence, advanced sales and policy administration. She has an extensive history helping advisors and wholesalers position insurance products. Today, Ramona is President, of Living Benefit Review, LLC. This company provides independent, impartial, competitive intelligence services for life insurance with LTC solutions: Hybrid products, Chronic Illness, Critical Illness and LTC riders. Prior to the insurance industry, Ramona served as an Information Manager in the Ohio Air National Guard where she was awarded the Air Force Achievement Medal. She has her Bachelor of Arts degree from The Ohio State University, in Psychology and Communication. She holds the following insurance designations: CLU, ChFC, CLTC, REBC.