|Rating(1-10)||Knowledgeability = 10||Clarity of Response = 10||Politeness = 10|
|Comment||Thanks. It's unfortunate that the agent for the company couldn't give me accurate information on this. I knew there was a reason for turning the policy over to my son, the downside has been Woodmen has been incredibly annoying about communicating with me about it on several occasions in spite of my being the one to pay the premiums.!!! Between the government, attornies and insurance companies the future for our children is not looking bright.|
Answers by Expert:
Questions invited on "hard to insure" life cases; also universal life with living benefits, term with "money back" premium refund feature, and using universal life for retirement planning.
Estate Planning Attorney since 1985; practicing in California and Arizona, and independent life insurance agent since 1975 specializing in "interesting" or "hard to insure" life insurance cases and also tax free retirement planning.
AHEPA, Freedom Equity Group and the Farm Bureau.
BBA in Business Management from Univ of New Mexico; Juris Doctorate in Law, Lincoln Law School of Sacramento, CA.