AboutLee Horner Expertise Our practice focuses on final event planning and impaired risk life insurance for those age 50 to 84; our companies can underwrite anyone so long as they're not in a medical facility. I do not answer questions about stock markets, mutual funds nor variable life contracts. I will advise you of your options and make recommendations as appropriate. Questions regarding USA residents only. Let me know as much as you can about your situation for best results. If in doubt, ask anyway. If I don't have the answer, chances are I can point you in the right direction and am happy to do so.
Experience Estate Planning Attorney since 1985; practicing in California and Arizona, and independent life insurance agent specializing in the senior market and also tax free retirement planning.
Organizations AHEPA and Freedom Equity Group
Publications Stop Sitting on your Assets, paperback version (co-author).
Education/Credentials BBA in Business Management from Univ of New Mexico; Juris Doctorate in Law, Lincoln Law School of Sacramento, CA; admitted to practice before the Ninth Circuit court of appeals, and all courts in Arizona and California.
Awards and Honors Graduated in the top 5 of my law school class.
Question QUESTION: Thank you in advance for your help I need a good price on life for a 65 year old male non smoker in good health The plan should pay out 500k. HP is the only problem I have Would you please be so kind to let me know the cost and the companies I should look into.
ANSWER: I need to know what state you're in and also what 'hp' is; thanks, Lee
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QUESTION: I am in New York City and HP means High Blood Pressure. Thanks in advance
Answer Hi Fred -- unfortunately none of my companies are admitted to do business in NY so I can't give you a quote; you might want to try going on net quote dot com and asking for bids; just be prepared for 20 or so phone calls as they pass those leads out to at least 10 if not more agents; once you find a price you like, just tell everyone who calls that you're now working with an agent and they'll leave you alone.
You might ask if the policy does or does not require a medical exam; most if not all will;
also ask if the death benefit is IMMEDIATE; meaning payable from date the policy is issued; some policies only return the premiums plus interest if death occurs in the first two or three years.
