Insurance Consulting & Expert Witness Services

Life Insurance

Life insurance provides coverage against the untimely, premature, unexpected death of the insured. F...
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Disability

Disability is always unexpected and yet people do not realize that a disability is 3 times greater t...
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Retirement

In today’s economic environment the need to care for ones’ own retirement has taken on a much gr...
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Expert Witness

A successful claims or litigation process depends on gathering the right information quickly and pre...
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Who We Are

Since 1972, our expert insurance consultants have been giving our clients the upper hand in managing their assets and liabilities. We offer and in-depth review of your current coverage and assets, and work with you to develop a plan for your future. CMC Advisors is available for a one-time consultation or for on-going management of your insurance and financial portfolio. Founder, Wayne Citron, is an industry leader in life, health, disability, and property and casualty insurance. With 45 years of experience, he is uniquely qualified as an expert in forensic reconstruction of insurance transactions, specializing in policy interpretation of the rules, laws and regulations governing insurance matters.

Insurance Topics Blog

What is Key-Man Insurance, what does it do, do I or my company need this type of insurance policy? Key-Man Insurance or Key-Woman insurance is a life insurance policy taken by a company or organization on the life of a key-person within that company. Who Within A Company Should Be Insured with Key-Man Insurance? The […]

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Hurricane Harvey devastated Houston along with a swath of surrounding small towns. The damages are estimated to be in excess of $180 Billion. Irma hasn’t arrived as yet, but this storm is already being touted as a history maker. As a Category 5 hurricane she has sustained 185 mile an hour winds for over 24 hours. […]

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A question recently asked on Quora: “I bought a universal life insurance policy at age 37. I’m now age 68 and retired. The policy has a death benefit of $50,000 and I’m paying $1000 per year premiums. My wife and I have enough wealth that she won’t need the death benefit. Should I continue paying the […]

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