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Life & Health Insurance/Expert Profile
Expertise
I can answer questions relating to life insurance, estate planning, business succession/continuity planning and tax-effecient retirement planning. I have advised clients for many years on these areas, and how they relate to life insurance. Likewise, I have worked with many on Long-Term Care needs.
Experience in the area
I have been a top producer for the past 5 years. Prior to that I was the CEO of an international company, having the concerns from a clients perspective (now having been a client of NYL for more than 15 years)
Organizations
Society of Financial Services Professional Million Dollar Round Table
Education/Credentials
In addition to an BBA and an MBA from a top-10 school. I have earned the LUTCF, NASD Series 6, 7, 63 and 66 licenses.
Awards and Honors
Top Life Producer Top Long-Term Care Producer
What do you like about this subject?
There is so much "to know" about life insurance, investments and such. It's very difficult for untrained people to figure it out, especially when it comes to some taxation issues and beneficiary issues.
Something interesting about this subject that others may not know:
In the US, each state sets it's own laws and regulations in regards to insurance, including "variable" life and annuity products. The federal government only controls the investment and adviser area through "FINRA" and the "SEC". Therefore, sometimes an "expert" such as myself will not be able to answer all the questions you may have on a subject because we do not know the laws of that state.
Something controversial or provocative about this subject
There are many radio entertainers who have no specific training or knowledge of this subject, and yet they have the "right" answer for everyone. This subject is much more complicated. More often than not, there are many details in a question that suggest more than one "right" answer.
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness| User | Date | K | C | T | P | Comments |
|---|---|---|---|---|---|---|
| Mary | 11/04/09 | 10 | 10 | 10 | 10 | This was a very good answer and ..... |
| DAVID | 09/12/09 | 10 | 10 | 10 | 10 | thank you for your help. I have ..... |
| Paul | 09/09/09 | 10 | 10 | 10 | 10 | Thank you very much for your replies ..... |
| Dave | 08/14/09 | 10 | 10 | 10 | 10 | |
| gail | 08/06/09 | 10 | 10 | 10 | 10 | You have been so helpful to me ..... |
Recent Answers from leboyd
2009-10-29 LIFE INSURANCE TESTING ONLINE:
Janet, Unfortunately, I'm not aware of the specific laws for a resident in the State of Alabama. However, in all of the states of which I am aware you do not need to go to any school or class before
2009-10-16 policy:
Jackson, An advanced premium deposit fund is basically a deposit into the company's low-interest, guaranteed fund which they then use to pay the premiums in future years. There are generally two
2009-09-30 Differences between an IUL and a UL:
The only product with the guarantees that you want is WL. UL and IUL have flexible premiums and therefore are not guaranteed - unless you add a NLG (no lapse guarantee) rider - which then removes the
2009-09-30 Differences between an IUL and a UL:
Anthony, Thank you for your complement. Why, lots of questions there :) Let's start with some of your statements: - 55 years old (I assume in good health) - want insurance for their whole life
2009-09-11 change of beneficiary in california:
David, Sorry to hear about your loss. Unfortunately, this is more of a legal question than a life insurance question. However, I will tell you what my brother (a litigation attorney) says - settle
Answers by Expert:
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