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Willard R. Brumbaugh, LUTCF, CSFP


I can handle questions concerning life insurance, it`s tax implications, how to determine what is appropriate, and how it fits in one`s estate and retirement planning.

Experience in the area

For 2 1/2 years I was an expert on, where for most of that time I was ranked #1. I have been a moderator (instructor) for the Life Underwriters Training Council. I have been licensed since 1969. Organizations I belong to: National Association of Insurance and Financial Advisors - California and the Inland Empire Estate Planning Council. I hold the professional designation of Life Underwriters Training Council Fellow.

What do you like about this subject?

Almost everyone can benefit from some aspect of life insurance. Whenever someone agrees that it is time to take the step of getting life insurance, and s/he decides that I meet the expectations of that person, I am gratified.

What do you still hope to achieve/learn in this field?

I learned a long time ago that it is not what you know, nor is it whom you know, but who knows you that makes one successful. It is my hope that this site will help many to get to know me.

Something interesting about this subject that others may not know:

Contrary to the opinion of many, all types of life insurance meet the needs of some individuals, but no type of insurance meets the needs of all individuals.

Something controversial or provocative about this subject

Permanent life insurance, properly funded, is a better tool for retirement planning than bank products and mutual funds.

Average Ratings

Recent Reviews from Users

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Stephen07/30/16101010Answered a difficult question very thoughtfully. Very .....
Paula04/16/1610Thank you for your time and help .....
Lisa Meadows01/23/16101010Very quick response. Thanks
Gina10/28/15101010Thanks again

Recent Answers from Willard R. Brumbaugh, LUTCF, CSFP

2016-07-17 Life insurance:

Dear Heather,    I do not know the age your son could receive life insurance proceeds in your state. In California the minimum age is 18. I suggest you contact a lawyer about setting up a trust with a

2016-06-07 Term life or whole: which is best for us?:

Dear Lisa,    Whether you choose Whole Life or Term, he is likely to be rated for the conditions and meds you have described. In order to answer your question, I need to know what you're committed to as

2016-04-13 Life Insurance:

Dear Paula,    Were you to acquire a policy, it does not matter to the insurance company how the death benefit is used. Finding a policy under $25,000 may be difficult, however, a $10,000 Face Amount is

2016-03-27 Whole Life Insurance:

Dear Francyn,    If your Mom is in reasonable health, you may be able to transfer ownership over to the beneficiaries soon enough to avoid the Medicaid regulations.    Paid Up at 95 simply means that no

2016-02-20 Old Life Ins, Policy:

CAPITOL NATIONAL LIFE INSURANCE COMPANY     Georgia Foreign Insurance Company Updated 3/6/2016         Capitol National Life Insurance Company is a Georgia Foreign Insurance Company filed on October


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