About this product: During your life, you’re likely to make important choices that will affect you for years to come: determining the best community, buying the perfect house, and starting a new family. Purchasing life insurance falls into the same category. But selecting the right policy isn’t easy, especially when you’re faced with a constant barrage of commercials and brochures from competing life insurance companies.
With twenty years of experience in the life insurance business, Anthony Steuer delivers a practical, one-of-a-kind resource to guide you through the basics—and the finer points—of life insurance and to help you choose the policy that is just right for you and your family. Using a simple question-and-answer format, Steuer covers everything you need to know about life insurance, including how to:
Differentiate between types of policies
Find and evaluate a policy and company
Hire a trusted agent
Understand the practice of underwriting
Monitor your policy
Steuer’s invaluable advice will safeguard you from unpleasant surprises and unnecessary pitfalls. For anyone, from consumers to financial advisors, Questions and Answers on Life Insurance is the definitive resource on life insurance.
If you are studying for your life and health insurance licensing exam, we have the ultimate study tool for you. Life and Health Insurance License Exam Cram is a great resource to help you learn the concepts, laws, rate calculations and state and federal regulations that will be covered on the exam. You'll also receive a CD that includes a fully-customizable test engine, detailed score report and state-specific law supplement. No matter where you are taking your exam or which area you need to focus on during your studying, Life and Health Insurance License Exam Cram is your smartest way to get certified.
"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."
About this product: Life insurance planning is a very complicated issue. Must people think that is just a matter of buying an insurance from an agent, but there are many other considerations like: survivors needs, estate tax issues, compensation and benefits, business succession and wealth transfer.
The Tools & Techniques of Life Insurance Planning is the best guide for any insurance or financial planning professional. Also is very easy to understand for today consumers.
About this product: "Buy term and invest the rest." Interesting concept. So a 40-year old man decides to try and do the above. He purchases a 20-year Term policy and invests some money in a mutual fund or two. But wait, along the way there are family emergencies, college to pay for, a job change and other small occurences that prevent him from being a Disciplined Investor. Okay, so 20 years goes by and he's now 60. That Term policy is kaput... gone. He paid for it and -- just like his car insurance -- has not a dime to show for it. Still, he has another 25 years to live and since he wants to leave something to his wife and kids, he thinks "Okay, I'll just buy another Term policy." Interesting concept, except for that little heart murmur that popped up a few years ago, the high blood pressure, the lung infection, etc. You know, all the health issues that, combined with his age, drive those Term prices THROUGH THE ROOF. Assuming, of course, he's not completely UNinsurable. Oh, and all those "investments?" Well, who can predict the stock market, world currency, international competition, etc? Here is a dead-on, rock-solid FACT: the smart people, those running major corporations, self-made entreprenuers and the like, all have one thing in common. Almost to a man, they own Whole Life insurance. Hmmmmm... I wonder why that is?
About this product: This course surveys life and health insurance principles and concepts common to all state producer licensing exams, giving students the relevant information they need to help pass the exam on the first try. The text is intended as a comprehensive introduction to life and health insurance. Topics include insurance contracts, life insurance policies, premiums and proceeds, underwriting and policy issue, group life insurance, annuities, retirement plans, health providers and Medicare, medical expense insurance, disability income insurance, accidental death and disability insurance, health insurance policy provisions, health insurance policy underwriting and premiums. The text features interactive learning aids that enhance the user’s understanding of key concepts and improve retention. Hundreds of questions with rationales and a final exam are also included within the text.
To accurately prepare for the state licensing exam, Dearborn strongly recommends studying this License Exam Manual with the appropriate State Law Guide.
About this product: This manual is a collection of hundreds of sales tips and ideas from over 30 years of meetings, discussions and on the job practice. Included are hundreds of Probing Questions, Answers to the most common Objections, and Power Phrases to take your sales to the next level! A MUST-HAVE Life Insurance Sales Handbook to help Life Insurance professionals dynamically increase their sales!
About this product: Ed Kelly is on a mission to help American families. They are grossly underinsured with their current life insurance coverage, and something must be done about it, soon. In this book, Ed exposes the 10 myths that most consumers and their current advisors hold about life insurance. Once these myths are dispelled, then the mothers and fathers, husbands and wives, insurance agents and financial planners can all move on to address the truth about Time Diversification and Tax Diversification. This book is a call for Americans to take responsibility for themselves and the real risks we all face. While most people can think of only one reason to own life insurance (to provide money for a survivor), Ed shows there are actually 1000 reasons to own life insurance, from cradle to grave. Many of these are driven by the tax advantages inherent in a life insurance policy. His mission is to drive you to a better conversation and a better meeting with your financial professional. This book will help you see life insurance from a new philosophical and practical perspective.
About this product: A handbook for life insurance sales professionals who want to make or keep their business practices "client-centered". An insurance consultant and trainer of over 25 years experience shares skills in marketing , prospecting, discovery, closing, handling client concerns and delivery. Includes Four Pillars of success.
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