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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.
Experience in the area
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.
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
K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness| User | Date | K | C | T | P | Comments |
|---|---|---|---|---|---|---|
| Bella | 09/22/09 | 10 | 10 | 10 | 10 | |
| Tova | 09/02/09 | 10 | 10 | 10 | 10 | |
| Debbie | 08/31/09 | 10 | 10 | 10 | 10 | Thank you for your time . |
| Lee V. Magee Jr. | 08/18/09 | 10 | 10 | 10 | 10 | |
| Maya | 07/07/09 | 10 | 8 | 10 | 10 | Even though this is extremely belated, thank ..... |
Recent Answers from Willard R. Brumbaugh, LUTCF, CSFP
2009-11-06 bank on your self - company choice:
Dear Matt, You can use Northwestern Mutual. However, as a responsible company working to treat all it's clients fairly, they do apply "direct recognition" to dividend distributions. As I understand
2009-10-27 Collateral Loan against Term Life Insurance Policy:
Dear Ruth, Whoever told you that you could use a Term policy for collateral for a loan did not know what he or she was talking about. Term policies almost never have any surrender value. Even those
2009-10-16 policy:
Dear Jackson, National Savings Life Insurance Company of Murfreesboro, TN was acquired by Victory Life Insurance which in turn was acquired by United Fidelity Life Insurance Company, Kansas City, MO
2009-10-16 policy:
Dear Jackson, A few life insurance companies allow the sending in of money in excess of the scheduled premiums to be used at some time in the future. My primary company is one that does. If you
2009-10-08 Question about taxes on policy loans.:
Dear Kevin, I've actually had to deal with the situation that you are describing. Phyllis M. had had a number of policies on her life purchased by her mother. It was necessary to take special steps
Answers by Expert:
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