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K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness
N = Nominated for Expert of the Month
| Date | User | K | C | T | P | N | Comments |
|---|---|---|---|---|---|---|---|
| 2009-09-02 | Jenny | 8 | 9 | 10 | 10 | No | Thanks so much! I probably should have directed my question to a lawyer but thank you for your info. |
| 2009-07-03 | david | 10 | 10 | 10 | 10 | Yes | Thanks. |
| 2009-06-28 | Tracy | 10 | 10 | 10 | 10 | Yes | Thank you Michael. I had a feeling the answer would be just that, but at least we tried. |
| 2009-04-26 | Greg | 10 | 10 | 10 | 10 | Yes | Quick answer |
| 2009-04-12 | Skyler | 10 | 10 | 10 | 10 | Yes | Thank-you very much!! |
| 2009-01-30 | Janice | 10 | 10 | 10 | 10 | Yes | |
| 2009-01-17 | Jacqueline Bodnar | 10 | 10 | 10 | 10 | Yes | Thank you so much! Not only was your response very thorough, but I got it amazingly quick! What a breath of fresh air as far as sources in articles go. Thank you! I will be sure to send you the link to the article when it's up (in about a month). Then you can show your son "Disney" at the bottom of the page. We just took my kids to Disney World this past weekend. They LOVED it. Best wishes! I appreciate you taking the time to respond. |
| 2009-01-16 | Michelle | 10 | 10 | 10 | 10 | Yes | Yes, that is now clear to me. Thanks. |
| 2009-01-12 | Kevin | 10 | 10 | 10 | 10 | No | Michael: Thanks for the advice. Sorry for the delay. I was out of town. I may have a follow-up question soon. Take care. |
| 2008-11-09 | robin | 10 | 10 | 10 | 10 | Yes | Mike--thank you for the response and most of all for not thinking this is a silly question. Being raised as I was, to be honest, this really bothers me and I just didn't know what to do about it. I would much rather let them know and maybe have to pay more than to be dishonest. But...I guess there isn't much I can do about it now and I don't know if they would even actually do anything about it now at this point in time. Thanks again-------robin |
| 2008-10-15 | L.Clayton | 10 | 10 | 10 | 10 | Yes | Thank you |
| 2008-09-19 | Laura | 10 | 7 | 10 | 10 | No | Maybe saying a low DB since insur. may not be needed, is a great way to keep the insur for an EIUL down so it can be funded with extra savings.. or however this should be explained, so customers aren't so scared of EIUL's and their "costs". Anyway. Thank you for your help and time. Laura |
| 2008-09-05 | Kim | 10 | 10 | 10 | 10 | Yes | Thanks! |
| 2008-06-11 | Kate | 10 | 10 | 10 | 10 | Yes | Thanks very much |
| 2008-04-21 | Ken | 10 | 10 | 10 | 10 | Yes | |
| 2008-03-11 | Deborah | 10 | 10 | 10 | 10 | Yes | thank you,answered my question totally,though its not what i wanted to hear lol,it makes complete sense and i pprciate the honesty.Ive spent alot of time trying to figure it out myself,and you rally helped me.t least i do have one policy,so im ok.thank you |
| 2008-02-27 | Jennifer | 10 | 10 | 10 | 10 | Yes | Thanks to Michael for his quick response to my question. I just wanted more advice before I make this important decision about how to manage my finances. I appreciate the advice!! |
| 2008-02-16 | Sam | 10 | 10 | 10 | 10 | No | |
| 2008-02-08 | Benjamin | 10 | 10 | 10 | 10 | No | Thanks for your help! |
| 2008-02-01 | Mike | 10 | 10 | 10 | 10 | Yes | Thank you Michael, for your prompt reply and insights! I really appreciate your time on this. Best..Mike E. |
| 2008-01-21 | Tim | 10 | 10 | 10 | 10 | No | |
| 2008-01-08 | tim | 10 | 10 | 10 | 10 | Yes | Excellent response. Very informative and helpful. Thanks. |
| 2007-12-14 | jacqueline | 10 | 10 | 10 | 10 | Yes | His response was very quick and very helpful |
| 2007-12-13 | Tina | 10 | 10 | 10 | 10 | No | |
| 2007-12-03 | Henry | 7 | 8 | 9 | 7 | No | |
| 2007-11-25 | Rouge | 10 | 10 | 10 | 10 | Yes | Very informed. |
| 2007-11-05 | Rosa | 10 | 10 | 10 | 10 | No | Thanks for trying |
| 2007-09-02 | enes | 10 | 10 | 10 | 10 | No | |
| 2007-08-15 | Chris | 10 | 10 | 10 | 10 | Yes | |
| 2007-08-10 | Susanne | 10 | 10 | 10 | 10 | Yes | Michael was very fast in his response. I thought I would have to wait at least a day for a reply. Michael emailed me a response in approximately 1 hour. |
Answers by Expert:
I am the Executive Director of Synergy Financial Services, concentrating in life insurance, long term care insurance, and long-term and tax-advantaged investing. I am licensed for Life, Health, and Securities. I am always happy to answer any questions you may have on any of these topics.

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