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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 |
|---|---|---|---|---|---|---|
| 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 ..... |
| Anita | 07/27/09 | 10 | 10 | 10 | 10 | Thank you for your quick response, it ..... |
Recent Answers from Lee Horner
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
2009-09-16 What company has the policy:
Good question Michael. It is a detective game and the starting point is as you suggest bank records; also is mail to the decedent's address being forwarded to a family member? If the premium notices
2009-09-13 Life for 65 year old.:
Hi Fred -- unfortunately none of my companies are admitted to do business in NY so I can't give you a quote; you might want to try going on net quote dot com and asking for bids; just be prepared for
Answers by Expert:
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