New Life Insurance Investment Advisor: Achieving Financial Security for You and Your Family through Today's Insurance Products

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Overview

Today's Most Authoritative Resource on Term Life, Whole Life, Universal Life, Variable Life, and More­­and Which Products Are Best for You and Your Family

Life insurance has evolved from a sleepy, slow-growing financial product into one of today's most dynamic, adaptable investment vehicles. From the simplicity of term life to the complexity of variable universal life, the choices seem nearly as endless as the possibilities.

The New Life ...

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Overview

Today's Most Authoritative Resource on Term Life, Whole Life, Universal Life, Variable Life, and More­­and Which Products Are Best for You and Your Family

Life insurance has evolved from a sleepy, slow-growing financial product into one of today's most dynamic, adaptable investment vehicles. From the simplicity of term life to the complexity of variable universal life, the choices seem nearly as endless as the possibilities.

The New Life Insurance Investment Advisor, Second Edition, explains how to analyze insurance products based on their investment merits and overall financial returns, and gives you the facts you need to make the logical, financially intelligent insurance decision. This clear, authoritative resource for consumer insurance information avoids financial double-speak and endless calculations to give you hands-on information concerning:

  • Optimal insurance products for different life stages
  • Innovative techniques to use the capital hidden in your policy
  • Where to find the best deals­­and avoid getting burned­­buying insurance on the Internet

Life insurance has truly become life insurance, meant to provide financial benefits throughout your entire life. Let The New Life Insurance Investment Advisor introduce you to the many facets of today's life insurance landscape, and show you how to invest in a policy that will pay you today, tomorrow, and well into the future.

"The New Life Insurance Investment Advisor does not treat life insurance academically. It is a consumer's handbook. The objective is to provide the consumer with an understanding of the various life insurance policies available, how to choose among them and, most importantly, how to manage them once they own them."

­­From Chapter One

Life insurance has become an integral component of the average family's investment portfolio and­­as one of today's more informed, demanding consumers­­you rightfully require a thorough understanding of how and where your money is invested. The New Life Insurance Investment Advisor, 2nd Edition, provides you with that understanding and more.

This top-rated consumer reference guidebook­­now comprehensively revised and updated for 21st-century life insurance wants and requirements­­pulls back the curtain to reveal the inner workings of today's insurance industry. It goes beyond the mortality benefits of life insurance to describe the cash value aspects of life insurance, and techniques and strategies you can use to create an ongoing and accessible financial resource.

Term Life Insurance ... Whole Life ... Universal Life ... Variable Life ... Variable Universal Life ... All types of life insurance are covered in detail, giving you as much­­or more­­knowledge than the majority of insurance sales representatives. But beyond simply providing product knowledge, The New Life Insurance Investment Advisor gives you the practical, hands-on expertise to know which product will work best for you, and your unique situation. Use its plain language, no-nonsense descriptions to determine:

  • Your place in the life insurance products matrix that professional financial planners and insurance salespersons follow
  • How and why to change coverages when you find a better deal­­and what exactly constitutes a better deal for you
  • Strategies to assure yourself a steady income stream through your retirement years­­plus a substantial, guaranteed life insurance benefit

Life insurance doesn't have to be complex or intimidating. The New Life Insurance Investment Advisor, Second Edition, explains life insurance in clear, logical terms, terms you can understand and use when making your insurance decision. Completely updated to reflect today's transformed financial environment, it is the best and most authoritative guidebook on the market.

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Product Details

  • ISBN-13: 9780071363648
  • Publisher: McGraw-Hill Professional Publishing
  • Publication date: 7/25/2001
  • Edition description: REV
  • Edition number: 2
  • Pages: 400
  • Sales rank: 544,592
  • Product dimensions: 6.30 (w) x 9.30 (h) x 1.27 (d)

Meet the Author

Ben G. Baldwin, CLU, ChFC, CFP, is president and owner of Baldwin Financial Systems, a registered advisory firm serving both individual and corporate clients. The winner of numerous sales awards throughout his career and a former member of the Board of Governors for the Certified Financial Planner Board of Standards, he has consulted for major insurance companies including New York Life, Transamerica, Prudential, CNA, AIG, ING, AXA, and Equitable. Along with the first edition of The New Life Insurance Investment Advisor, Baldwin also wrote The Complete Book of Insurance and The Lawyer's Guide to Insurance.

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Table of Contents

Preface
Acknowledgments
Ch. 1 The Insurance Industry Today ... "Life" as We Know it 1
Ch. 2 Understanding Life Insurance ... What "Life" Has to Offer 13
Ch. 3 Term Life Insurance ... Just for Now 25
Ch. 4 Whole Life Insurance ... 'Til Death Do Us Part 33
Ch. 5 Universal Life Insurance ... Short-Term Investments for Long-Term Plans? 53
Ch. 6 Variable Life Insurance ... The Beginning - Life Insurance Meets Wall Street 79
Ch. 7 Variable Universal Life Expenses ... Much Ado about Nothing 91
Ch. 8 VUL Funding Levels ... The Key Is the Money 139
Ch. 9 Investment Choice in VUL ... The More You Invest, the Better It Works! 165
Ch. 10 Financial Analysis of Life Insurance ... Calculating ROR in Life Insurance 185
Ch. 11 Life Insurance Strategies ... Using the Swiss Army Knife 219
Ch. 12 Variable Universal Life in Action ... A Financial Tool - But Which End Do I Grab? 279
Ch. 13 Life Insurance Wrap Up ... Life Insurance Policy Owner's Bill of Rights 303
Ch. 14 Understanding Annuities ... Don't Let Me Run Out of Money! 325
Ch. 15 Where to Go for Products and Assistance ... I'm So Confused! 395
Glossary 417
Bibliography 431
Index 437
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Sort by: Showing 1 Customer Reviews
  • Anonymous

    Posted November 14, 2002

    Baldwin gets it right

    As a non-insurance professional I found Ben Baldwin's book clear, concise, and extremely helpful. I found his thoughts on Variable Universal Life Insurance to be especially useful as a financial tool. Mr. Baldwin has been able to communicate a complex subject in language I can understand as he presents difficult concepts I can apply for my specific life insurance needs.

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