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Life & Health Insurance/Expert Profile
Expertise
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 happy to do so.
Experience in the area
Estate Planning Attorney since 1985; practicing in California and Arizona, and independent life insurance agent specializing in the senior market and also tax free retirement planning.
Organizations
AHEPA and Freedom Equity Group
Publications
Stop Sitting on your Assets, paperback version (co-author).
Education/Credentials
BBA in Business Management from Univ of New Mexico; Juris Doctorate in Law, Lincoln Law School of Sacramento, CA; admitted to practice before the Ninth Circuit court of appeals, and all courts in Arizona and California.
Awards and Honors
Graduated in the top 5 of my law school class.
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness| User | Date | K | C | T | P | Comments |
|---|---|---|---|---|---|---|
| Amy | 11/18/09 | 10 | 10 | 10 | 10 | I stumbled upon a previous question someone ..... |
| Wai-Fung | 11/06/09 | 10 | 10 | 10 | 10 | Very detailed, thank you for your response ..... |
| Michael | 09/16/09 | 10 | 10 | 10 | 10 | Prompt reply with useful info |
| Fred | 09/15/09 | 9 | 10 | 10 | 10 | |
| Allison | 08/28/09 | 10 | 10 | 10 | 10 | Extremely helpful and right on with advice ..... |
Recent Answers from Lee Horner
2009-11-18 Death and a Lapsed Life Insurance Policy:
I am sorry for your loss. It is not likely that the policy can be reinstated but I would suggest a call to someone at NY Life other than whoever answers the phone first (i.e. a supervisor) and don't take
2009-11-17 AZ Laws on Beneficiaries:
Hi Amy. Interesting questions. Generally speaking life ins benefits are paid out as a matter of contractual obligation of the insurance company, that is, whatever your beneficiary designation says goes
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
2009-10-30 change in beneficiary form:
You may be closer to a win. The divorce decree would trump a 100% sign-over of the beneficial interest; it sounds like he COULD dispose of his 50% but the next question is did he do so effectively?
2009-10-30 change in beneficiary form:
The issue here is going to be whether your x was in his right mind or delusional when he signed the thing and that's the main focus. Does your sister in law deny writing the thing up and being present
Answers by Expert:
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