Questions and Answers on Life Insurance
Questions and Answers on Life Insurance
A user-friendly guide to making expert decisions on life insurance policies.
Need help facing the constant barrage of information from competing life insurance companies? With twenty years of experience in the life insurance business, Tony Steuer delivers a practical, one-of-a-kind resource for choosing the best life insurance policy for you or your family. Using a simple question-and-answer format, Steuer covers the essential basics and the finer points of life insurance, including how to:
- Differentiate between type of policies
- Find and evaluate a policy and company
- Hire a trusted agent
- Understand the practice of underwriting
- Monitor a policy’s performance
With all the advice to help you avoid unnecessary pitfalls and unpleasant surprises, Steuer’s guide will help you make informed, confident decisions and gain the maximum benefit from life insurance companies.A user-friendly guide to making expert decisions on life insurance policies.
Need help facing the constant barrage of information from competing life insurance companies? With twenty years of experience in the life insurance business, Tony Steuer delivers a practical, one-of-a-kind resource for choosing the best life insurance policy for you or your family. Using a simple question-and-answer format, Steuer covers the essential basics and the finer points of life insurance, including how to:
- Differentiate between type of policies
- Find and evaluate a policy and company
- Hire a trusted agent
- Understand the practice of underwriting
- Monitor a policy’s performance
With all the advice to help you avoid unnecessary pitfalls and unpleasant surprises, Steuer’s guide will help you make informed, confident decisions and gain the maximum benefit from life insurance companies.
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Life and Health Insurance, 13th Edition
Life and Health Insurance, 13th Edition
This current, accurate and detailed industry guide for financial service professionals examines life and health insurance simultaneously from the viewpoints of the buyer, the advisor, and the insurer—providing a comprehensive and unbiased treatise on individual and group life; a forthright appraisal of life and health insurance industry products with careful consideration of the environment; and a complete examination of life insurance company operations and regulation. Bases financial treatment of life insured operations on modern financial theory, and devotes entire chapters to the economics of life and health insurance; individual life and health insurance policies; life and health insurance evaluation; the uses of life and health insurance in personal and business planning; government and employee benefit plans; and the management, operation, and regulation of life insurance companies. Offers a strong global orientation, supporting fundamental concepts with an extensive integration of economic and financial theory and international comparisons, and examines how today’s health insurance products fit into a broad framework from a contractual, cost, and performance viewpoints. New chapters on the tax treatment of life and health insurance address such areas as estate planning, retirement planning, and the business uses of life and health insurance. For financial planners, salesmen, actuaries, investment managers, attorneys, CPAs, and other financial service professionals.
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Live Your Life Insurance: An Age-Old Approach Revitalized
Live Your Life Insurance: An Age-Old Approach Revitalized
“Live Your Life Insurance” shows you exactly how you can take advantage of one of the most common, but misunderstood, financial tools. In it, you’ll discover exactly how you can use your life insurance to benefit you while you are alive — and help you build financial security. In addition, it will reveal ways to make the best of your policy no matter what age you are. Most people don’t realize what a powerful tool they have in their life insurance policies — this book will be your guide.
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Tools and Techniques of Life Insurance Planning (Tools & Techniques)
Discover proven methods for determining a client s life insurance needs and close more sales than ever before with the helpful hints throughout. Unique charts, checklists, and real-world examples help immediately apply skills and identify the impact of new regulations on existing paradigms. Tools & Techniques of Life Insurance Planning features extensive coverage of 10 policy types with quick comparisons.
4th Edition offers expanded reviews of the latest:
Life settlements & insurable interest
Assets held by variable life insurance or variable annuities
Income & transfer tax consequences of life insurance
Variable annuities versus mutual funds
New split dollar regulations for old & new arrangements
always matching product to problem with revised formulas, worksheets and rules of thumb!
Guides through the process of evaluating existing life insurance plans and formulating new strategies. Provides a comprehensive introduction and focuses on substantive discussions and applications of each plan. Some techniques examined: buy-sell agreements; charitable planning; death benefit only plans; qualified/nonqualified plans; IRC Section 162 plans; key employee life insurance; roles of revocable and irrevocable trusts.
Authors simplify by defining Tools & Techniques; indicating when to use; analyzing advantages/disadvantages; identifying tax implications; addressing alternatives; calculating fees or other acquisition costs involved; selecting best client-based plans. The appendices consist of technical explanations of: generation skipping transfer taxation; treatment of modified endowment contracts and IRC Section 1035 exchanges; benefits income taxation; transfer for value rule.
Newly Revised delivering sweeping changes from COLI Best Practices Act of 2006, PPA of 2006, and TIPRA of 2006. Life Insurance, PACE, and CFP® CE Filed.
Chapters to feature: the top 12
How to Estimate the Insurance Need
Legal Aspects of Life Insurance
Variable and Variable Universal Life
Irrevocable Life Insurance Trusts
Key Employee Life Insurance
Accelerated Death Benefits and Viatical Settlements
Survivorship Life
Buy-Sell Agreements
Life Insurance in Qualified Plans
Section 162 Plans
Death Benefit Only (DBO) Plans
Special Policy Provisions and Riders
Delivers value at any knowledge level introductory, overview & review!
NOTE: Achieve 100% Correlation with CFP® Certification Examination Topics List when using Tools & Techniques of Life Insurance Planning, 4th Edition in combination with Tools & Techniques of Risk Management for Financial Planners, 2nd Edition. The Bundle of 2 is available for 2.90. Use Product # 8080002.
Testimonials
In each of our books we had one major goal in mind: To create the single best source of up-to-date, pragmatic and transferable information on the topics you need to help others.
Stephan R. Leimberg, Lead Author of Tools & Techniques
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Sept 1930-June 1931 Metropolitan Life Insurance Co Health Bulletin for Teachers
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New Life Insurance Investment Advisor: Achieving Financial Security for You and your Family Through Today’s Insurance Products
New Life Insurance Investment Advisor: Achieving Financial Security for You and your Family Through Today’s Insurance Products
“For anyone who needs to understand different types of life insurance, as well as considerations for purchasing and managing policies, this book should be on your nearby reference shelf. If you’ve frequently found yourself fumbling around with terminology, such as the differences between variable, universal, and variable universal life (VUL) policies, you’ll finally see some light through the haze.” – MorningstarAdvisor.com
Life insurance doesn’t have to be complex or intimidating. Ben Baldwin’s completely revised and updated guidebook makes it clear and logical, discussing how to analyze insurance products based on their investment merits and best overall financial returns. This clear, authoritative resource for consumer insurance information covers the pros and cons of Internet purchases, techniques to use capital within a policy, the fixed premium feature, insurance for different stages of life, and the new emergence of “immediate annuities.”
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Leave a commentCheap Insurance for Your Home, Automobile, Health, & Life: How to Save Thousands While Getting Good Coverage
Cheap Insurance for Your Home, Automobile, Health, & Life: How to Save Thousands While Getting Good Coverage
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By several measures, insurance for you, your family, your home, and your car continues to rise at the fastest rate in our history. In 2005 (the latest year data are available), total national health expenditures rose 7.9 percent – more than three times the rate of inflation. Nearly 50 million Americans are uninsured for healthcare. According to Insurance Information Institute projections, the average annual expenditure for auto insurance in 2006 was 1. Millions of drivers have no auto insurance. The average expenditure for homeowners insurance was 9, according to a February 2007 report by the National Association of Insurance Commissioners (NAIC). Insurance takes a huge bite out of the average American’s monthly budget, and as stated above, many Americans simply forgo insurance because they consider it out of reach. Shopping for insurance requires more effort than many people want to devote to it. They simply grab the first price they come across or accept routine rate increases when it is important to compare not only the price but also coverage and exclusions among carriers. In this easy to read and comprehensive new book you will learn hundreds of ways to secure and or reduce your health, automobile, life, and home insurance costs. If you do not have or cannot afford insurance, we will show you how to get it at a price you can afford. The Internet and technology have opened up a great new way to search for low cost insurance services; we will give you the Web sites, tell you what to look for and to look out for. There is a great deal you can do right now to cut insurance costs. For example, did you know that installing a theft tracking device in your car can save you up to 35% on your auto insurance and that your credit history can dramatically affect your auto insurance premium. Recent studies have shown that more than 90% of insurers use credit information to create an “insurance risk score,” which they then use as a factor to determine your insurance rate. Add a simple home security system to monitor your home, and your insurance rates may be discounted up to 30%, depending upon where you live. Your insurance could end up costing you more if you choose to make monthly payments rather than pay the entire premium annually. Notify your agent if you retire, your children go to school, or you start working from home (when you’re not traveling as much your rates will go down). Have you stopped smoking? Lost weight? Started exercising? All of these efforts can have a dramatic effect on your insurance rates. Insurance topics covered in this book are How Insurance Works, Insurance Company Rating, National and Local Firms, Auto, Health, and Disability Insurance, along with work sheets and forms to assist you in your search for the best coverage at the lowest price.
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Posted in Home Insurance | Automobile, Cheap, Coverage, Getting, Good, Health, Home, Insurance, Life, Save, Thousands | Leave a commentQuestions and Answers on Life Insurance: The Life Insurance Toolbook Reviews
Questions and Answers on Life Insurance: The Life Insurance Toolbook
Questions and Answers on Life Insurance is an extremely useful and one of a kind resource for anyone looking for a simple way to understand life insurance. It covers all the basics and the advanced information that you need to know. And all this in a format where can go directly to the information you need without having to sort through information you’re not looking for. Author Tony Steuer brings 17 years of experience in the life insurance. During this time Tony has guided clients with purchasing their life insurance and the ongoing maintenance of policies. He has also worked with professional advisors on reviewing their client’s policies and determining needs. Tony has helped to keep client’s, where possible, from unpleasant surprises. Questions and Answers on Life Insurance covers:
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