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I am the Executive Director of Synergy Financial Services, focusing on life, disability and long term care insurance nationwide. I do not typically handle health-insurance related questions since they are typically local-based but I am always happy to try to answer any questions you may have on any of these topics.

Experience in the area

16 years in the insurance business.


Chartered Financial Consultant

What do you like about this subject?

No two situations are ever the same. I love problem-solving, and working with individuals, families, and businesses to help them reach their goals.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Randy06/13/16101010Thank you so much Michael
Marge11/09/13101010We appreciate the advice.

Recent Answers from Michael Feinberg, ChFC

2016-10-11 life or burial insurance:

I'm sorry, but at age 96 it would be virtually impossible to purchase a life insurance plan that would be anything remotely affordable or reasonable.  At age 96, he has fortunately already outlived the

2016-06-10 life insurance:

Hi Randy.  There are likely a few things in play here that your mother is likely overlooking.  It would be helpful to know what plan this is that she's talking about.... I'm guessing it is something like

2016-05-07 Type of life insurance needed?:

Thanks for the question.  BEcause you are looking for something that will provide for funeral expenses, it would need to be a whole life policy that never expires.  As for what method for obtaining this

2015-08-05 life insurance:

I'm not sure I completely understand the question, however it seems clear that you are struggling to pay for the life insurance, while the loan on your policy continues to increase.    Unfortunately, I

2014-06-04 Disability payback:

I'm not sure I can answer your question to your satisfaction.   Every insurance policy is different, some policies include a "social insurance" benefit that states that that portion of the benefits is


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