About > AllExperts  
Search for
  Main Menu Ask a Question Browse Past Answers Meet Top Experts Be an Expert Login (Experts Only)
About Us  ·  FAQ  ·  Tell Friends About Us  ·  Link To Us  ·  Free Encyclopedia  ·  Disclaimer  ·  Tech Support   
  You are here:  AllExperts > Money > Personal Insurance > Life & Health Insurance

Expert Profile: Willard R. Brumbaugh, LUTCF, CSFP

Expertise:  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.
For 2 1/2 years I was an expert on AskMe.com, 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.

Ask a Question       View Past Answers       View Ratings            
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
Prestige Points: 5272
Knowledge   9.87   Best of the best
Clarity of Response   9.83   Best of the best
Timeliness   9.95   Best of the best
Politeness   10.0   Best of the best
Number Of Questions
(in Past 24 Hours)
0
Max Questions to be Asked
(in 24 Hour period)
10
Total Questions
(since joining AllExperts)
321
Recent Reviews from Users
KnowlClarityTimePolitenessDate
1010101009/30/08
1010101009/16/08
1010101009/09/08
1010101009/08/08
1010101009/03/08
User Comments
Thanks for the rapid, complete and accurate answer to my question. I will recommend this site and specifically Mr. Brumbaugh to anyone seeking advice
(Rick Franz on 09/30/08)
Quick response, great service. Thx
(Charlotte on 09/16/08)
This was a really helpful answer! It was easy to understand and the response time was less than 6 hours.
(Youa Yang on 09/08/08)
View All Comments
Ask a Question       View Past Answers       View Ratings            

Recent Answers from Willard R. Brumbaugh, LUTCF, CSFP
2008-09-16  insurance Dear Charlotte, There would be no income tax on the death benefit, unless part of it was the account value of his retirement plan. It will have no effect on your Social Security, but it might make you...
2008-09-09  Surrender of Prudential Variable Appreciable Policy Dear Charles, I don't blame you for wanting to make a change. While it is good to maintain enough insurance to not leave your heirs with the responsibility for paying your last expenses, it is likely...
2008-09-08  Flexible Premium Adjustable Life Dear Steve, Since you are not getting any cooperation from your company, I'll calculate the information myself. This will take me about four hours to do, but it is my nature to try to fix things. I...
2008-09-08  Flexible Premium Adjustable Life Dear Steve, Ideally insurance companies would adjust the mortality charges based on the actual company or industry experience of deaths in each age group. However, at 4.5% guaranteed, there is the possibility...
2008-09-08  tax penalty Dear Youa, You will be taxed on only the amount of the surrender value that exceeds the premiums you have paid. It is possible that your premiums paids is still greater than the surrender value. If...
More Answers for "Life & Health Insurance"


Advertise on This Site | User Agreement | Privacy Policy | Kids' Privacy Policy
Copyright  © 2008 All rights reserved. AllExperts is a property of About, Inc.
The About logo, About and About.com are registered trademarks of About, Inc.