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Questions invited on "hard to insure" life cases; also universal life with living benefits, term with "money back" premium refund feature, and using universal life for retirement planning.

Experience in the area

Estate Planning Attorney since 1985; practicing in California and Arizona, and independent life insurance agent since 1975 specializing in "interesting" or "hard to insure" life insurance cases and also tax free retirement planning.


AHEPA, Freedom Equity Group and the Farm Bureau.


BBA in Business Management from Univ of New Mexico; Juris Doctorate in Law, Lincoln Law School of Sacramento, CA.

What do you like about this subject?

I'm in the insurance industry and on all experts as a volunteer to help people.

Something interesting about this subject that others may not know:

National advisors you hear on TV and radio sometimes don't "get it right" when they say term insurance is the only insurance you should consider. It has its place but there are other options. You need to know what your options are.

Something controversial or provocative about this subject

When someone says "just buy term; the rest of the insurance products are no good" you should get a second opinion (right here) as life insurance is just not a one-size-fits-all situation.

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Stephen07/30/16101010Extremely helpful response. Very willing to answer .....
clem02/07/15101010Thanks. It's unfortunate that the agent for .....
M B02/26/10101010Thank u. I have filed a formal .....
Amy11/18/09101010I stumbled upon a previous question someone .....
Wai-Fung11/06/09101010Very detailed, thank you for your response .....

Recent Answers from Lee Horner

2015-02-04 estate tax on life insurance?:

First off, it is your estate, not the recipients of your assets, that is responsible for the estate tax.      Right now the exempt amount is around $5 million of assets so if you're under that you should

2014-07-19 Universal Life:

Is your husband in good health now?  Of course as we get older, such insurance costs more and more;  what I'm exploring is whether a tax free exchange to something more suitable would be in order.  Let

2014-07-16 Universal Life "cash value":

I'm not aware of any UL policy where the cash value cannot be accessed -- the products our agency sells allow for that and we use as a retirement planning tool.  Let me check into something for you on

2014-06-15 Life Insurance:

A little history might help.  Universal life was invented by E.F.Hutton (remember their ads on tv?  when ef hutton speaks, everyone listens);   well they had said for years that the ins co's were missing

2014-06-15 Life Insurance:

We have a different view of life insurance as we use it as a tax free retirement program with free "living benefits" meaning if you come down with a serious illness, the company gives you a big check--you


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