Dave Bowman - Life & Health Insurance - Personal Insurance - Money

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Expert Profile: Dave Bowman

Expertise: 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.

Past/Present clients
Families, professionals, small businesses, individuals.

Ask a Question	View Past Answers	View Ratings

What do you like about this subject? I like helping people provide security for their family and to provide for their future income needs. I also like the fact that life insurance is the only financial product that creates an estate at death where there is none or it is less than required.

What do you still hope to achieve/learn in this field? I hope to merge my marketing and service efforts with the convenience and immediacy of feedback of the internet. I further hope to move more into the field of employee benefits planning for top hat executives.

Something interesting about this subject that others may not know: Life insurance proceeds are income tax-free and probate-free when paid to a named beneficiary, as a general rule. Where the policy has been previously transferred for value (i.e. sold), this rule does not apply (proceeds would be subject to income taxes).

Something controversial or provocative about this subject On almost an annual basis, the White House proposes increasing taxes on insurance consumers by removing tax advantages from life insurance and annuity products. The National Association of Insurance and Financial Advisors maintains a large lobbying force for the purpose of fending off these proposed tax increases using public awareness campaigns and letter writing drives.

Average Ratings
Prestige Points: 2328
Knowledge	9.97 Best of the best
Clarity of Response	9.95 Best of the best
Timeliness	9.90 Best of the best
Politeness	9.97 Best of the best
Number Of Questions (in Past 24 Hours)		0
Max Questions to be Asked (in 24 Hour period)		4
Total Questions (since joining AllExperts)		251

Recent Reviews from Users

Knowl	Clarity	Time	Politeness	Date
10	10	10	10	09/25/08
10	10	10	10	09/23/08
10	10	10	10	09/16/08
10	10	10	10	09/14/08
10	10	10	10	09/08/08

User Comments

Excellent response and guidance.
(Dorothy on 09/16/08)

thanks you so mcuh,i do appreciate.
(shrey tripathi on 09/14/08)

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Ask a Question	View Past Answers	View Ratings

Recent Answers from Dave Bowman

2008-09-23 disability insurance: It's an understandable error to assume that the AIG that is paying your disability is the same AIG that the government is bailing out. This is not the case. The insurance company that is paying your benefits...

2008-09-23 Life Insurance: I am sorry for your loss. I get many questions such as this. The fact that there are fifty state insurance departments with different provisions makes it difficutl to know exactly what resources are available...

2008-09-15 Long term care insurance: First, call a few nursing homes and home health agencies in your area. Major companies such as John Hancock and Genworth and MetLife publish cost surveys in all 50 states. The national average is $176...

2008-09-13 Equity Index Life insurance: If you are young and healthy, the simple answer is: buy term and invest the difference. The real question is how disciplined you are to 1. invest the difference. 2. keep the investment going (not freak...

2008-09-10 Life Insurance: Medical Information Bureau (MIB) has a policy finder. You will need your grandmother's name, maiden name, Social Security number and date of birth. There is a reasonable cost for this service. Here's...

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