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Life & Health Insurance/What exactly does a CLU do?


James Manning, CFP wrote at 2013-01-02 15:06:12
I would like to correct you, David. NWM policies are rarely, if ever, cheaper than most insurance companies. If you shop out life insurance and compare them to NWM, NWM are WAY higher. I am saying this as an independent agent and frequently come across NWM policies in my market. Most of the time, client's want them replaced with less expensive policies when it is in their best interest.

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Dave Bowman


I will answer questions of a general nature regarding life insurance, disability income insurance annuities (fixed and variable) and long term care insurance. Also, questions regarding estate analysis. No legal or accounting advice, as I am not a lawyer or a CPA. I do not sell health insurance, so have limited knowledge of the current status of that field.


30 years as a life insurance and investment industry professional. Former chapter president of Association of Insurance and Financial Advisors, Buffalo Chapter. CLU designation.

Association of Insurance and Financial Professionals.

B.B.A Economics, U. of Georgia, 1971.

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Families, professionals, small businesses, individuals.

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