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Binding: HardcoverDewey Decimal Number: 368.3200973 EAN: 9780071363648 Edition: 2 ISBN: 0071363645 Label: McGraw-Hill Manufacturer: McGraw-Hill Number Of Items: 1 Number Of Pages: 400 Publication Date: July 25, 2001 Publisher: McGraw-Hill Studio: McGraw-Hill Editorial Review: Product Description: "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." Average Rating:
 Rating:  - Insurance PrimerThis is a great introductory book to a difficult topic. Must read for any first year advisor or life insurance agent. Rating: - An excellent resourceThis is the best source I have come across for dissecting and analyzing VUL. Most insurance professionals shy away from this product because of its risks. My feeling has been that this reaction is born out of a lack of understanding. This book is very clear about the risks and the rewards, teaching both with depth and candor. Knowledge is power and this book provides both. Rating:  - good info, but too biased towards VULThe book is very informative, entertaining, and instructive. It gives the benefits and drawbacks of each type of life insurance. It's a good reference book. It's easy to read and understand. However, it is very biased towards variable universal life (VUL). In fact, the author states that this type of policy is the reason why the book exists. He even goes so far as to say that VUL is one of the best investment vehicles of the century! He's a good cheerleader for VUL and even though he ... Read More Rating: - Excellent User's Guide in Clear LanguageBen Baldwin has always been one of the clearest writers about life insurance from a financial planning perspective. The explanations of what the insurance industry would call "Advanced Underwriting" uses of life insurance in this book are clear, concise and free of jargon. Although this is a consumer book, I would recommend it to financial planning professionals to enhance their own understanding and to see how to explain complex financial topics to clients. Rating: - Great way to learn about insuranceThe author did a geat job in explaining life insurance products. Those that have panned the book have a built in bias against insurance companies and their salesmen/woman. Fine, but I am waiting for one to write a cogent critique of why the author is wrong in his analysis. Frankly, I haven't found one financial services professional that can, even those that don't sale insurance products. Bottom line, the strategy makes sense for a many if not most folks who are trying to accumulate retirement ... Read More |
