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I can answer almost any question about life insurance, such as: 1) What kinds of life insurance are available? 2) I have an old policy that is in danger of lapsing...should I pay more money into it? 3) I think my insurance company is not treating me I have grounds to sue them? 4) My agent has proposed that I buy insurance from company that a good, reputable company?

Experience in the area

I am recently retired from a 40-year career as an actuary for a major life insurance company. I worked in the life insurance division and had a wide variety of responsibilities, such as: product development, systems development and management, field compensation, and program management.


Fellow of the Society of Actuaries (by examination) Member of the American Academy of Actuaries Member of the Forensic Expert Witness Association Member of the American Association of Economic and Financial Experts Member of the National Association of Forensic Economics Member of the Financial Planning Association of Orange County


I have a B.S. in Business Administration (major in Actuarial Science) from Drake University.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Carolyn 07/08/15101010 
Bill Schachter10/02/13101010sounds authentic, honest. A broker would suggest .....

Recent Answers from William Hezzelwood

2015-07-01 life insurance loan:

Carolyn,  Your last sentence is the key to the whole thing..."Is life insurance something you need to have?"  Clearly, many people need life insurance, but many don't.  If there is a person who would suffer

2015-05-22 fraud:

Bernadette,  First, I apologize for the delay in responding to you.  I've been ill lately and just got back in the groove today.  If all the facts you outlined are accurate, you have a serious criminal

2014-10-16 Selecting a Life Insurance Policy:

Amanda,  Thanks for your question.  It sounds like you could benefit from some basic advice about buying life insurance.  I admire both your motivation to help your mother and your willingness to admit

2014-09-09 what now?:

Alison,  Companies expect people to shop around and they know that other companies may evaluate a health risk differently than they the fact that you applied for coverage previously will not be

2014-09-08 what now?:

Alison,  My apologies for the weekend got hectic.  Here are my main questions...  Were you working with an agent?  I'm guessing that you were and that the agent sent the email, but that the


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