| Subject | Date Asked |
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| Term Life for wife | 10/6/2008 |
Q: I am a 50 year old man and have a pregnant 40 year old wife. yes, I'm kinda late in the game for ...
A: well the easiest way to figure it out is to jot down the expenses and they don't have to be exact, ...
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| insurance claims on suicides | 8/17/2008 |
Q: I read an answer you gave on this subject, and you advised the person that all insurance policies ...
A: The 2 year rule is federal law. Many companies have tried unsuccessfully to not pay claims after 2 ...
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| transfer for value? | 6/11/2008 |
Q: how can i get the cash value from 2 existing second to die policies into a new second to die policy, ...
A: I do not know the answer to this querstion but I have an associate that does. I will email your ...
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| WAEPA | 5/19/2008 |
Q: My husband is a civil service employee(postal) and the FEGLI life insurance premiums are getting too ...
A: What is the WAEPA? I am not familiar with it. A lot of the group insurance plans are not really ...
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| Life Insurance beneficiaries | 2/27/2008 |
Q: My minor sons father recently passed away, he also has another minor son from a previous ...
A: The way the beneficiaries are listed in the policy or in a letter or a form later filled out and ...
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| value transfer | 10/4/2007 |
Q: 2 people own a business together and have life insurance policies where the other is the ...
A: I honestly don't know the answer to that question. Are the policies cash value type or term ...
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| I DONT KNOW WHAT TO DO | 7/24/2007 |
Q: MR.BOUB,MY FATHER DIED SEPT.2006. HE WORKED IN HIS OWN BUSINESS ALL HIS LIFE AND EVENTUALLY HE ...
A: I hate to tell you but unless you have the policy or know what company it was bought from, it's all ...
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| 2 Life policies | 6/15/2007 |
Q: I am newly married, 24, and recently found out that my father had taken two universal life policies ...
A: The person I will refer you lives in and is licensed in Texas. let me see about contacting him and ...
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| 2 Life policies | 6/14/2007 |
Q: I am newly married, 24, and recently found out that my father had taken two universal life policies ...
A: If you just got married, you need more than 250k of life insurance, more like 500k. You should also ...
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| Investing in Life Ins | 6/11/2007 |
Q: I would be interested in your financial advise. It's pretty basic but I want to know if you think ...
A: This is hard to answer but I speak from expierence since we both have Indexed UL policies. They ...
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| Tax consequence on cashing out life insurance | 5/10/2007 |
Q: My husband is in his 70's. While he was still young and we were not married, he took out a permanent ...
A: Dividends are interest and if they were used to buy additional death benefit as most agents set the ...
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| change of benefiary | 3/5/2007 |
Q: my dad passed away feb 27 @ 5:26 pm.he made me benefiary of life insurance.we had a recorded ...
A: I don't know what you are asking as it is very hard to understand your message. Whoever's name is on ...
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| life insurance contract | 1/17/2007 |
Q: To change the face value of a policy, is the insured's signature required? Specifically in ...
A: The onwer of the policy signature is required, which may or may not be the owner. You may not be ...
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| Eagle Life Insurance | 12/31/2006 |
Q: My father-in-law passed away several years ago, and today we found an old policy number in his ...
A: I am sorry but there are over 1800 insurance companies in the country and many hundreds get bought ...
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| Life Insurance cashout for a debt | 12/26/2006 |
Q: I'm in a situation where a absolute necessary home improvement project (due to previous owner's ...
A: The only problem with borrowing from the life policy is that you are supposed to pay the loan back ...
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| Life Insurance | 12/8/2006 |
Q: Just to ask you my fiance is planning to get a life insurance under his name, can I his fiancee' be ...
A: ANYBODY can be the beneficiary on a life insurance policy. You NEED to be the primary beneficiary ...
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| help | 10/27/2006 |
Q: I need to find a way to get dental insurance. I need something that treats pre-existing conditions, ...
A: You need to find a good INDEPENDENT agent that sells many companies not just one. They should be ...
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| cash value | 8/18/2006 |
Q: i have a whole life insurance policy with AFLAC and i am considering dropping because i can get a ...
A: Depends on what kind of policy you buy. If you buy any other permanent plan with another company, ...
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| Receiving Life insurance, and Tax implications | 7/18/2006 |
Q: John- My father passed away in May, and my sister was the beneficiary of his Life insurance, and ...
A: You will not have to pay income taxes on any of the money. Inheritances are taxed in some states ...
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| Whole Life | 4/6/2006 |
Q: When my wife an I were 26 we purchased a whole life policy in the amount of $100K. It is a first to ...
A: What I would do is find a GOOD independent agent who will give you ALL the options available to you ...
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| Some questions | 3/15/2006 |
Q: I don't understand how to purchase insurance. Can I choose my own sum insured and let the company do ...
A: There are 3 basic types of life insurance. Term, UL and whole life. People always are calling UL ...
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| Suicide and insurance in the past | 2/17/2006 |
Q: John, my father committed suicide in 1978. My mother was seriously distraugt and she still is. My ...
A: All life insurance policies have a 2 year suicide exemption where if one dies by suicide within that ...
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| Life Insurance- Prior Heart Attack | 12/14/2004 |
Q: I am a 50 year old male and had a Light, Bottom Wall M.I. due to a 100% blockage of the Right ...
A: I would like to send you to a web site which is run by a good friend of mine who can probably help ...
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| Life Insurance Test | 10/28/2004 |
Q: I need to take the Life and Health test to sell insurance, can you tell me what kinds of questions ...
A: You can buy books from places that sell insurance books ( I don't know who they are any more-Search ...
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| Independent Agent | 10/14/2004 |
Q: What's the best way that one can become an independent insurance agent today? I used to sell a ...
A: You will have to sign up under a General Agent somewhere. They are the field distributors of ...
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| Term Life Insurance: | 10/4/2004 |
Q: John M. Buob I'm thinking about taking out a Term Life Insurance policy on my ex for $250,000; for ...
A: 5 Year term insurance is pretty worthless because 5 years goes by awfully fast then your insurance ...
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| Finding life insurance co.name to collect funds | 10/2/2004 |
Q: Buob I was made beneficiary of a life insurance policy in the 1990's. I know the policy was paid up ...
A: There use to be an organization I think was in New Your that took peoples information down and ...
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| Life Insurance in California | 9/23/2004 |
Q: Buob, I would like to take out a life insurance policy on my ex, with me as the benefituary (In ...
A: 1. depends on the company and the death benefit amount. They are all different. I know of one ...
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| Life Insurance for elderly | 9/2/2004 |
Q: Any suggestions on finding a reasonable life insurance policy for a man 54 about to turn 55 in a ...
A: Please answer some questions so I can asnwer you better. What state do you live in? How much ...
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| Variable Universal Life | 4/30/2004 |
Q: My wife is thinking to buy a VUL on our 2-year old daughter. She thinks the VUL has tax advantage ...
A: This will not work since to get any serious money into the policy to be of any value like for ...
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| Insurance on Mortgage for house | 4/16/2004 |
Q: My dad passed away in Oct.'03 my parents had insurance to pay off the mortgage.I was told they would ...
A: I cannot help you since this is a matter between you and them. But what you can do is call the ...
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| Self Employment Protection | 2/6/2004 |
Q: Hey John, I have 2 areas I need some help in and I would appreciate any assistance you can give me. ...
A: First, you should incorporate if you plan on doing much work if you would like protect yourself from ...
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| life insurance and suicide | 9/5/2003 |
Q: I Live in the UK. A friend of mine committed suicide yesterday. I am going to see his widow ...
A: I cannot speak for the UK in specifics although I lived there for a few years but I knew nothing ...
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| Asset protection industry | 1/29/2003 |
Q: Mr. Boub, I am a recent college graduate with a degree in Economics. I am a natural scholar, but ...
A: I am going back over messages and I want to warn you away from this person in San Diego. He is not ...
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