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Life & Health Insurance/Experts

Expert	Average Ratings	Expertise
Gail Nowacky U.S. Available View Profile Ask A Question View Past Answers	Rating N/A (Expert Not Accept Rating) Total Questions 72	I can answer any questions related to health insurance, medical bills, medical debt and insurance disputes. I am an expert in the field of medical insurance. Please see website for more background www.teamgail.com
leboyd U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.66 Clarity of Response 9.70 Timeliness 9.89 Politeness 9.91 Total Questions 174	I can answer questions relating to life insurance, estate planning, business succession/continuity planning and tax-effecient retirement planning. I have advised clients for many years on these areas, and how they relate to life insurance. Likewise, I have worked with many on Long-Term Care needs.
Michael Higgins U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.98 Clarity of Response 9.95 Timeliness 10.0 Politeness 9.97 Total Questions 211	All questions pertaining to health insurance, whether group, individual/family, student, child-only, COBRA, HIPAA, Portability, dental. No expert knowledge in areas such as life insurance, disability, workman's compensation, auto, etc.
John M. Buob U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.92 Clarity of Response 9.88 Timeliness 10.0 Politeness 10.0 Total Questions 251	I am a tax planner, preparer and business owner. Spent many years in the life insurance business. I advised business owners on the the aspects of business owership and tax planning for their business. I DO NOT answer questions about the stock market.
Sergio Franco U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 10.0 Clarity of Response 10.0 Timeliness 10.0 Politeness 10.0 Total Questions 21	Area of expertise is Senior Life Settlements and Viatical settlements. I can assist advisers in qualifying clients for these type of transactions. I can assist policyholders to determine if they are an appropriate candidate for these transactions and I can assist consumers if they are approached to invest in these type of transactions.
Dave Bowman U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.95 Clarity of Response 9.91 Timeliness 9.91 Politeness 9.93 Total Questions 304	I will answer questions of a general nature regarding life insurance, disability income insurance annuities (fixed and variable) and long term care insurance. Also, questions regarding estate analysis. No legal or accounting advice, as I am not a lawyer or a CPA. I do not sell health insurance, so have limited knowledge of the current status of that field.
Eileen J. Tell U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.91 Clarity of Response 10.0 Timeliness 9.69 Politeness 10.0 Total Questions 179	I can help inform and educate people about long term care insurance and whether it is a product they should be considering. I can help them evaluate different policies or answer basic questions about long term care needs and costs. I have over 15 years experience developing and evaluating long term care insurance products and services and have worked with most of the leading companies in the field. I do not receive any commissions or fees from any companies, so my views are independent and neutral.
Sheikh Saeed Ahmad Pakistan Available View Profile Ask A Question View Past Answers	Knowledgeability 9.90 Clarity of Response 9.95 Timeliness 9.70 Politeness 10.0 Total Questions 143	I will appreciate questions regarding life insurance marketing and training to new agents.
Willard R. Brumbaugh, LUTCF, CSFP U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.90 Clarity of Response 9.85 Timeliness 9.96 Politeness 10.0 Total Questions 456	I can handle questions concerning life insurance, it`s tax implications, how to determine what is appropriate, and how it fits in one`s estate and retirement planning.
R. Gene Ramsay U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.84 Clarity of Response 9.93 Timeliness 9.98 Politeness 9.98 Total Questions 170	I can answer questions from people regarding health, life, and supplemental insurance. I can also answer certain annuity questions, long-term care, medicare, vision, dental, group products, individual products, and certain carriers. Another area would be general discussion on an individual basis to determine need and help individuals make the right decisions for them. I can also field questions from other insurance providers about carriers I represent so we can do some business together and I am also willing to offer my thoughts on certain issues they may be having with clients/customers, etc.
Lee Horner U.S. Available View Profile Ask A Question View Past Answers	Knowledgeability 9.88 Clarity of Response 10.0 Timeliness 10.0 Politeness 10.0 Total Questions 62	Our practice focuses on final event planning and impaired risk life insurance for those age 50 to 84; our companies can underwrite anyone so long as they're not in a medical facility. I do not answer questions about stock markets, mutual funds nor variable life contracts. I will advise you of your options and make recommendations as appropriate. Questions regarding USA residents only. Let me know as much as you can about your situation for best results. If in doubt, ask anyway. If I don't have the answer, chances are I can point you in the right direction and am .....
Paul Walker Available View Profile Ask A Question View Past Answers	Knowledgeability 9.92 Clarity of Response 9.83 Timeliness 9.50 Politeness 10.0 Total Questions 43	I can answer most questions relating to Expatriate Medical and Health Insurance. UK Health Insurance and most Pan European Models. Additionally, persons looking to pay for surgery without insurance in the UK and parts of Europe. I am based in the UK but deal mainly with International Healthcare Plans.
Michael Feinberg, ChFC Available View Profile Ask A Question View Past Answers	Knowledgeability 9.87 Clarity of Response 9.80 Timeliness 9.88 Politeness 9.89 Total Questions 453	I am the Executive Director of Synergy Financial Services, concentrating in life insurance, long term care insurance, and long-term and tax-advantaged investing. I am licensed for Life, Health, and Securities. I am always happy to answer any questions you may have on any of these topics.

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Recent Answers

2009-11-07 Transfer of policy ownership:

Dear Monica, I would like to know more about these policies. What company or companies are these policies with? Are they Participating Whole Life? Has the Face Amount grown since they were purchased?

2009-11-06 bank on your self - company choice:

Dear Matt, You can use Northwestern Mutual. However, as a responsible company working to treat all it's clients fairly, they do apply "direct recognition" to dividend distributions. As I understand

2009-11-05 Transfer of policy ownership:

Dear Monica, It is possible, but there are issues. Each of you can give up to $13,000 of value this year to as many people you want without being subject to a gift tax being charged to you. In your

2009-11-04 insurance for a family member:

Mrs. Mills: If your mother is enrolled in parts A %26 B Medicare the best thing to do is purchase a supplement plan. My recommendation is a Plan F. The Blue Cross Blue Shield in your state will offer

2009-11-01 change in beneficiary form:

Hi Sharon. Look at asqde.org which is one of the two respected associations of questioned document experts. The chap I recommend for Sacramento area cases is in Fair Oaks and also belongs to the other