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National Trainers

This exclusive group of trainers are hand picked and personally trained by Phyllis Shelton, President of LTC Consultants to conduct long-term care training classes throughout the country as well as speak at a variety of long-term care forums and events. They are top producers in the LTC arena and are committed to providing quality training and services.

Betty Doll
Catherine Dove
John Ferroni
David Miller
Randy Smith

Betty Doll, CLTC has a Master of Business Administration degree from Jacksonville University and a Bachelor of Science degree in Occupational Therapy from Western Michigan University. Prior to becoming involved in the insurance industry, Betty worked as Regional Rehabilitation Manager for a national nursing home corporation and as Director of Business Development for that same corporation.

Betty became involved in Long Term Care Insurance sales largely as a result of seeing so many individuals admitted for care who thought that Medicare would pay for all the care that was needed. Betty’s commitment is to provide quality education regarding Medicare, Medicaid and Long Term Care Insurance.

Betty specializes exclusively in Long Term Care Insurance representing many of the leading carriers. She works closely with individuals, financial planners, estate attorneys, CPAs, investment firms, and other insurance agents.

Betty is an active member of the National Association of Health Underwriters (NAHU) serving as Treasurer of the Western North Carolina chapter. She has made presentations to various NAHU chapters. She has qualified for the Leading Producers Roundtable since her first year of production.

Betty has participated in the National LTC Forums in Washington DC and in New Orleans and in the North Carolina Forum in Greensboro. In addition to numerous education presentations to consumer and professional groups, she was a presenter at the 1999 Preventative Medicine Conference in Hilton Head, SC. She is a frequent quest on “Money Matters”, a live, call-in radio show, and has been featured on television shows as a specialist in the area of financial options for long term care planning.

Betty has earned the “Certified in Long-Term Care” designation and will complete the Certified Senior Advisor program in January 2001.

In addition to her professional involvement, Betty is an adjunct faculty member at Mars Hill College. She is a participant in Leadership Asheville and an alumnus of Leadership Orlando. She is a member of several local service organizations and a past participant in Toastmasters.

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Catherine Dove

Catherine Dove is an author of several articles for industry publications. She has appeared on television news programs and is an industry resource on LTC for Kiplingers and LTC Commentator. She recently appeared at the National Long-Term Care Forum in Washington, DC as a featured speaker.

Catherine formerly was the Brokerage Director of the Long-Term Care Division of the Producers Group in Irvine, CA. She was also an LTC Specialist and national trainer for GE Capital. She has worked in an Adult Day Care Center as the Program Director for the Alzheimer's Unit and also has experience in admissions and administration for a skilled nursing & assisted living facility.

Catherine's LTC Division produced over $3 million in premiums annually. Her hard work and dynamic efforts helped turn a successful life agency into one of the largest LTC brokerage agencies in Southern California. Presently she finds the time and energy to conduct LTC Consultant's Long-Term Care Agent Training seminars in cities all over the country.

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John C. Ferroni, RHU

Mr. Ferroni graduated from Ashland University with a Bachelor of Science degree in Business Administration. He has been actively involved in the insurance field for over sixteen years as a Registered Health Underwriter, a Registered Employee Benefits Consultant and a  member of the National Association of Health Underwriters. He has qualified for the Million Dollar Round Table, the National Sales Achievement Award, the  National Quality Award and the Health Insurance Quality Award.

John Ferroni's specialty is Long-Term Care Insurance including Medicare and Medicaid. He attended Phyllis Shelton's Fundamentals of Long-term Care Insurance and Advanced Marketing Techniques course in Nashville, TN. As an alumni of the program he was selected as one of the four national trainers for her company, LTC Consultants which has trained over 25,000 agents nationwide.

Mr. Ferroni has participated in the NAHU LTC Conferences in Cincinnati, Ohio, Orlando, Fla., and Chicago. He has also participated in the 12th Annual Private Long-Term Care Producers Conference in San Diego, CA and the 2nd annual National Long-Term Care Forum in New Orleans. Locally he participates in the New York State Long-Term Care Forums in Saratoga Springs and Mellville. Nationally he has been invited to speak at Forums in Minneapolis, Minn., and Cleveland, Ohio. He was also an invited speaker at the 1st annual National Long-Term Care Forum in Washington, D.C. He has spoken extensively on Long-Term Care before many civic groups, participated in seminars with Adriane Berg, a nationally known financial expert, and has been asked to join radio and television panels, as a specialist on Long-Term Care Financing.

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David Miller, CLTC

David Miller is a National Trainer and Certified Instructor with Phyllis Shelton's LTC Consultants, a third party training & consulting firm based in Nashville, TN. which has trained over 35,000 agents. David is certified in long-term care and earned his certification through the National Academy of Elder Law Attorneys. He is co-founder of Ohio Long Term Care Brokers based in Cleveland and has specialized in long-term care insurance since 1987.


David is a national speaker on the subject of long-term care financing. He was a featured speaker at the first National Long-Term Care Forum in Washington, D.C. He is a qualifying member of the Million Dollar Round Table based solely on LTC production, and in 2002 he will personally write over $1 million of LTC premium!

For more than a decade, he has focused on helping people preserve their independence and freedom of choice as it pertains to long-term care planning.

Prior to entering the insurance industry, David was a professional musician. He was the mandolin player for "The Young Blades of Bluegrass" who toured with Barbara Mandrell for several years. David has earned national recognition for his contribution to the field of entertainment. He is the writer and performer of the "Medicaid Blues".

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Randy Smith

Since 1995, Mr. Smith has been helping Middle Tennessee families plan for long-term care. He has had a part in conducting seminars and workshops for community groups, First Tennessee Bank, the State of Tennessee and various associations across Middle Tennessee  and Kentucky for the past four years. Prior to coming to the Nashville Hancock Agency, he served as the Business Administrator for Lighthouse Ministries for thirteen years. The latter two years he served as the high school  baseball/football coach and athletic director at Lighthouse Christian School.

In the fall of 1996, Mr. Smith was honored as the Gold Medalist Award speaker to first year agents beginning their careers at John Hancock. That same year he was chosen as the New Agent of the Year for the Nashville A.G. Moore & Associates General Agency. In 1997, Mr. Smith was the long-term care sales leader for the Nashville Agency in Tennessee which encompasses also Knoxville and Chattanooga.

In 1998, Mr. Smith had the opportunity to also work with LTC  Consultants, a company that trains agents to sell long-term care insurance. As a result, Mr. Smith travels nationally conducting seminar meetings helping other agents understand the value of serving their clients by introducing long-term care insurance to them.

Mr. Smith holds a Bachelor Degree in Marketing Management from Western Carolina University in North Carolina and a Masters Degree from Liberty Baptist  Seminary in Lynchburg, Virginia. He now lives in Nolensville, Tennessee. He is married with four children.

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