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  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.

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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: 5082
Knowledge   9.86   Best of the best
Clarity of Response   9.82   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)
307
Recent Reviews from Users
KnowlClarityTimePolitenessDate
1010101008/28/08
1010101008/28/08
1010101008/25/08
1010101008/21/08
10101008/08/08
User Comments
Wonderful advice. Quick Response. Thank you
(Nannette on 08/28/08)
Thank you so much.
(Nannette on 08/25/08)
It was nice to see that he had positive comments and that he shared his enthusiasim in his note.
(Michelle on 08/21/08)
Thank you.
(Dave on 08/08/08)
View All Comments
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Recent Answers from Willard R. Brumbaugh, LUTCF, CSFP
2008-08-27  Policy was found Wow!! This is great news. I believe that Prudential does owe interest on the policy proceeds. But I don't think that any stock would be due you, since the policy would have been paid off long before...
2008-08-24  Deceased Grandmother's Life Insurance Policy If they still can account for it, I was estimating the sum of the policy death benefit at the time of your grandmother's passing and the interest earn since that time. Since 1905 Whole Life policies...
2008-08-20  Deceased Grandmother's Life Insurance Policy Dear Nannette, I do not know how long Prudential keeps records on inactive polcies. Since your grandmother has not paid premiums for 38 years, it would be unexpected that Prudential would have anything...
2008-08-16  Beneficiary Reminder Service Dear Michelle, I thank you for making me aware of this organization. It seems to be a worthy concept. It addresses the very real problem of insurance companies not being aware when someone dies. And...
2008-08-14  term life policy Dear Donna, You have identified this as a term life insurance policy. If this is true, then there is no cash surrender value. Term life insurance is like renting insurance. Just as you build up no...
More Answers for "Life & Health Insurance"


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