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Life & Health Insurance/Questions Answered by Expert Lee Horner
| Subject | Date Asked |
| Terminally Ill-Life Insurance | 7/30/2010 |
| Q: My father is terminally ill with cancer and we are trying to find the best options for him in his ... A: the group insurance should be continueable after he leaves their employment but at a non-group rate ... | |
| beneficiary and debt | 7/26/2010 |
| Q: My friend's aunt has passed away and my friend is the beneficiary on the life insurance and 401k. ... A: Without knowing what state the aunt lived it it's hard to say. But generally speaking (i.e. AZ, CA ... | |
| Life and property insurance | 4/1/2010 |
| Q: Q1: Does insurable interest in property must exist when the policy is obtain? or it should exist ... A: 1: Insurable interest must exist when policy is issued or there is no coverage & all you get back ... | |
| Whole Life | 2/26/2010 |
| Q: My grandmother has been ill...I asked for her life insurance info and found she has been paying an ... A: Unfortunatelly there are some real rotten life policies out there and this sounds like one of them. ... | |
| endowment insurance policy | 2/20/2010 |
| Q: My great-grandmother took out an endowment policy on my aunt with Prudential Insurance Company in ... A: This depends on who the beneficiary is. If Great grandma was the bene and is now deceased, she may ... | |
| reverse mortgage mortgage insurance | 1/3/2010 |
| Q: My mother got a reverse mortgage a few years ago without understanding the effect on her heirs. Can ... A: I am not aware of any company that will write life insurance on an 89 year old. The heirs will ... | |
| Death and a Lapsed Life Insurance Policy | 11/18/2009 |
| Q: My Mother has been paying on a Life Insurance Policy since 1997. The policy lapsed in June of this ... A: I am sorry for your loss. It is not likely that the policy can be reinstated but I would suggest a ... | |
| AZ Laws on Beneficiaries | 11/17/2009 |
| Q: I'm newly married and live in Tucson, AZ. I would like to know 1. When I set up my new life ... A: Interesting questions. Generally speaking life ins benefits are paid out as a matter of contractual ... | |
| change in beneficiary form | 11/1/2009 |
| Q: I have a court case in process. I was divorced from my husband of 20 years less than a year, when ... A: Look at asqde.org which is one of the two respected associations of questioned document experts. ... | |
| change in beneficiary form | 10/30/2009 |
| Q: I have a court case in process. I was divorced from my husband of 20 years less than a year, when ... A: You may be closer to a win. The divorce decree would trump a 100% sign-over of the beneficial ... | |
| change in beneficiary form | 10/30/2009 |
| Q: I have a court case in process. I was divorced from my husband of 20 years less than a year, when ... A: The issue here is going to be whether your x was in his right mind or delusional when he signed the ... | |
| What company has the policy | 9/16/2009 |
| Q: What options are available to the family where an insured dies, but the survivors have no details ... A: Good question Michael. It is a detective game and the starting point is as you suggest bank ... | |
| Life for 65 year old. | 9/13/2009 |
| Q: HP is the only problem I have Would you please be so kind to let me know the cost and the companies ... A: you might want to try going on net quote dot com and asking for bids; just be prepared for 20 or so ... | |
| Life Insurance Beneficiary Changed | 8/28/2009 |
| Q: Minnesota (MN) My father just recently passed due to a heart attack at age 67. He had a wife of 6 ... A: too? A case might be made for undue influence; it's an uphill battle but I'd sure talk to the ... | |
| Life Insurance Beneficiary Changed | 8/17/2009 |
| Q: Minnesota (MN) My father just recently passed due to a heart attack at age 67. He had a wife of 6 ... A: Good news indeed. I don't have any attorney contacts in your area but as this is time sensitive, I ... | |
| Life Insurance Beneficiary Changed | 8/16/2009 |
| Q: Minnesota (MN) My father just recently passed due to a heart attack at age 67. He had a wife of 6 ... A: Try calling New England Mutual as they bought Met Life a while back; you might call Met Life's main ... | |
| Life Insurance Payout | 7/26/2009 |
| Q: I am a personal caregiver to a sweet 90 year old lady who lost her husband earlier this year. Her ... A: There used to be a process to locate such policies but it is no longer in place. While the Medical ... | |
| Globe Life Insurance Good Health Question | 7/19/2009 |
| Q: My father is sick and I recently found out he has life insurance. I pulled up his policy on-line and ... A: If the policy lapsed, sometimes companies will require a statement of good health to reinstate; ... | |
| Universal Life Insurance | 7/8/2009 |
| Q: My father had universal life insurance on me from 1986 to present. He gave me a statement about 5 ... A: Rather than surrender the policy you can borrow against it. Some companies will loan you the money ... | |
| damages award taxable | 6/3/2009 |
| Q: I had posterior capsule ruptured during cataract surgery. Insurance company for doctor has offered ... A: I don't believe it's taxable but it's also on the light side. I would suggest you consult with a ... | |
| Insurance 101 | 5/17/2009 |
| Q: i am 19 yrs old ad I am new to the word insurance Because i am going to US and there with out Health ... A: Actually non-citizens are welcomed with open arms at our emergency rooms; if you have available to ... | |
| life insurance after a death | 4/28/2009 |
| Q: My father passed away a couple of months ago and my step-mother was named beneficiary of the life ... A: Unfortunately, the beneficiary clause of life policies governs who gets the benefit. Only if it was ... | |
| found old life nsurance policies my dad took out on me | 4/16/2009 |
| Q: I found 3 paid up policy certificates in my dad's paper work after he passed last year. I contacted ... A: Short answer: no it isn't true. What I would suggest you do is request a death claim form; you're ... | |
| Quick Question | 4/12/2009 |
| Q: I received a life insurance policy for my fathers death, of 10,000. Are there any taxes that need to ... A: Good question. Sorry for your loss. A response and a suggestion for you. No, there are no taxes ... | |
| Life Insurance | 3/21/2009 |
| Q: I am a healthy 64 yr. old male. I have good blood pressure, colestral, weight 163 lbs and at the ... A: fever shouldn't ordinarily be held against you although her death at that early age might raise some ... | |
| Life Insurance | 3/12/2009 |
| Q: My father-in-law recently passed away leaving an insurance policy. My mother-in-law has been ... A: I'm sorry to hear about your loss. In most states, and I believe Illinois is the same, the will ... | |
| Term insurance | 3/9/2009 |
| Q: 73 years old, good health, smoked 20 years ago, 5-3", 108 lbs. parents died in mid 80's, thinking ... A: 000 into a qualified IRA annuity that will guarantee you $50,000 per annum for life; we then get ... | |
| Term insurance | 3/9/2009 |
| Q: 73 years old, good health, smoked 20 years ago, 5-3", 108 lbs. parents died in mid 80's, thinking ... A: The tax specific issue you might want to run by your tax preparer as it is also state specific; ... | |
| beneficiary | 3/7/2009 |
| Q: I lost my son recently there was a large policy on his job the life insurance carrier at the time ... A: with a will that over-rides everything else. Assuming it was properly drawn you would get the ins ... | |
| beneficiary | 3/6/2009 |
| Q: I lost my son recently there was a large policy on his job the life insurance carrier at the time ... A: You should be comforted in the thought that "no beneficiary designated" does NOT mean "no insurance ... | |
| life Insurance beneficiary | 2/15/2009 |
| Q: back in 1991/1992 I made a friend with a man I worked with, We were just fiends, he was from another ... A: Good day Angela. There are two schools of thought on this. First, your friend could have given you ... | |
| life ins and dis ins | 2/3/2009 |
| Q: I have a few questions that I need help with. I am 33 male non smoker and am in good health, my ... A: not death, so you're on the right track about getting that base "covered". If you will send me an ... | |
| Life Insurance on My Mother | 1/17/2009 |
| Q: My mother remarried twelve years ago and upon her retirement, she had a $25,000.00 life insurance ... A: Let's get back to the first domino in the set; the conversion. It was your mother's group policy ... | |
| Life Insurance on My Mother | 1/17/2009 |
| Q: My mother remarried twelve years ago and upon her retirement, she had a $25,000.00 life insurance ... A: I'd have to see the paperword to really advise on this one. You can't "just" make yourself the ... | |
| Accident vs. Suicide | 1/16/2009 |
| Q: My 70+ year old mother died very recently as a result of carbon monoxide poisoning. She had a ... A: Wow---what a sad story--sorry for your loss. How has the death been reported on the death ... | |
| Mortgage Insurance | 12/1/2008 |
| Q: I am a 71 year old non-smoking male who lives in Costa Rica. I have a $125,000 construction loan ... A: The broker asked me to find out of what country you are a citizen. You may reply back to me via ... | |
| Mortgage Insurance | 11/24/2008 |
| Q: I am a 71 year old non-smoking male who lives in Costa Rica. I have a $125,000 construction loan ... A: Is Costa Rica your permanent residence? All of my markets are to US residents but I have a broker ... | |
| international death certificate | 11/19/2008 |
| Q: we have a cousin in Europe who is requesting a international certified death certificate of our ... A: I've not heard of an international death certificate; they are issued by the locality where the ... | |
| AD&D Life Insurance | 11/5/2008 |
| Q: Husband passed away on 8/5/07, his death was ruled as an accident, we had no life insurance but ... A: I am sorry for your loss. I would suggest you put together a short, to the point, detail of what ... | |
| Life Insurance Payout | 9/4/2008 |
| Q: My father just recently passed away and we are trying to resolve the payout of his life insurance. ... A: Be extremely nice to your uncle because you have no legal rights to dime one of that money unless ... | |
| Life Insurance | 7/24/2008 |
| Q: I am a healthy male, normal bloodpressure, cholestorol, but my doctor says my blood sugar is just a ... A: also some companies throw in, for free, chronic illness riders that pay you a monthly disability ... | |
| AAA Life Ins | 7/22/2008 |
| Q: Is AAA LIFE INSURANCE COMPANY a good company? Its offer through AAA. Is there anything I should be ... A: AAA is a fine organization. What type of insurance are you applying for? Have you shopped around ... | |
| Old life insurance policy | 7/6/2008 |
| Q: My mother just pasted away and I just found life insurance policies,that she purchased for me in ... A: It is not unusual for insurance companies to merge; they rarely "go out of business" like other ... | |
| Life Insurance for elderly | 6/13/2008 |
| Q: My mother is now 89 years old. We discovered that she turned in all of her insurance policies to ... A: yes and I have such programs available. The insured must be a non-smoker and in the last 5 years ... | |
| Lost life insurance policy | 5/9/2008 |
| Q: I am searching for a lost life insurance policy my Dad purchased for my Mom and paid in full before ... A: I have some ideas. First, do you know who they had their homeowners and car insurance with? Was ... | |
| Lee Horner | 4/15/2008 |
| Q: We have funded over $2 Billion of face in the last 2 years. We also do life settlements and cash/out ... A: What does your enterprise think of table rated cases? For example, we need $50 million of life ... | |
| re: mother's policy | 4/12/2008 |
| Q: I am concerned that my aunt has collected on my mother's insurance policy. I now know she in the ... A: If you know the name of the insurance company, you can call their customer service department to see ... | |
Life & Health Insurance
Answers by Expert:
Lee Horner
Top Expert on this page
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.
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