Retirement Life Insurance
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Retirement Life Insurance
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Author : Steve Heller
language : en
Publisher: Walter de Gruyter GmbH & Co KG
Release Date : 2017-11-07
Retirement Life Insurance written by Steve Heller and has been published by Walter de Gruyter GmbH & Co KG this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-11-07 with Business & Economics categories.
Do your clients have any idea of what they can/should spend in retirement? Do they know what they need to do to optimize their retirement spending? How can you protect a spouse from the drop in social security if a client dies early? Why is it likely that buying insurance or buying a fixed annuity can dramatically increase the level of your client’s spending—even if your customer is already retired? What if you could show your client exactly what the impact would be and at what level they would need to buy to achieve a certain level of spending? How can buying a fixed annuity be a hedge against term life expiration and what level is required? When should your client start taking social security? What can your client spend now and how much can that improve if they purchase insurance or an annuity from you? All these questions and more are answered in this book and in the free software that accompanies this book. The software, though more complex than most end users would care to learn, offers you the opportunity to load in customer financial data and give them results that will calculate various options. The amazing and counter-intuitive part is that it is highly likely that most individuals can see their monthly spending capability go up dramatically by buying insurance and/or buying a fixed annuity and the software enables you to zero in on the desired level. Even though life insurance is an old, established financial product, and annuities are even older, there is one enormous market that has been overlooked: the market for additional retirement funds for a surviving spouse and replacement of Social Security payments that are lost after the death of a spouse. This book explains how to address this market, and includes instructions and a license for software that illustrates how insurance and annuities can increase sustainable spending in retirement. Most people have no idea how much they can really spend in retirement. Many are living frugal lives spending their social security while "saving for a rainy day". They buy life insurance in batches of tens thousands of dollars because it sounds good or what they think they can afford. Almost no one would believe that buying "expensive" life insurance after age 60 actually can free them to spend MUCH more on a monthly basis. Furthermore, no one is looking at an optimum return on the investment based on a certain level of potential spending. Until now. This book, and the accompanying software enable you, the life agent, to input the customer data and come up with a plan for your customer and provide proof that the plan will work for them. The book explains what goes into making these calculations, why they work the way they do and gives various case studies that quite often show that buying term insurance or buying an annuity after retirement can be great investments for them. We think your customers will be convinced. There are detailed instructions as to use of the software that accompanies the book with built in case studies that you can use. But even more importantly, you can input a customer’s data and provide them with options and actually show them the benefits or give them the solutions that they would otherwise not know exist. These solutions will be invaluable to your business and offer you a distinct advantage over competition that are not selling in this manner.
The Hidden Value In Your Life Insurance
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Author : Darwin M. Bayston
language : en
Publisher: Abbott Press
Release Date : 2016-06-21
The Hidden Value In Your Life Insurance written by Darwin M. Bayston and has been published by Abbott Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-06-21 with Business & Economics categories.
Thirty-three percent of Americans have no retirement savings or pension, according to the Federal Reserve. No wonder so many of us are nervous about our ability to retire. Fortunately, there is an asset that many American seniors have at their fingertips that they can use to fund their retirements. Most of them dont even realize it. Darwin M. Bayston, a chartered financial analyst, and Daryn N. Teague, a public relations consultant who works with providers of legal and financial services, created this simple consumer guide to help people unlock the hidden value in their life insurance policies. Learn how to: find out the things that insurance companies dont want you to know; improve your quality of life in retirement; eliminate what could be an unnecessary expense; and reduce stress by gaining peace of mind about retirement. Some life insurance companies actually prohibit the agent who sold you a policy from telling you about the strategies revealed in this guide. Find out about all of the options at your disposal by learning about The Hidden Value in Your Life Insurance.
Retirement Life Insurance
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Author : Steve Heller
language : en
Publisher:
Release Date : 2017
Retirement Life Insurance written by Steve Heller and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017 with Retirement categories.
Sustainable Life Insurance
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Author : Aymeric Kalife
language : en
Publisher: CRC Press
Release Date : 2023-08-18
Sustainable Life Insurance written by Aymeric Kalife and has been published by CRC Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-08-18 with Business & Economics categories.
Sustainable Life Insurance: Managing Risk Appetite for Insurance Savings and Retirement Products gives an overview of all relevant aspects of traditional and non-traditional savings and retirement products from both insurers’ and policyholders’ respective risk appetites. Examples of such products include general accounts, whole life, annuities (variable, fixed and fixed indexed, structured), index-linked products, CPPI-based products, etc. The book contains technical details associated with both practice and theory, specifically related to modelling, product design, investments and risk management challenges and solutions, tailored to both insurers’ and policyholders’ perspectives. Features The book offers not only theoretical background but also concrete, cutting-edge "quick wins" across strategic and operational business axes. It will be an asset for professionals in the insurance industry, and a great teaching/learning resource for courses in risk management, insurance modelling, and more. The book highlights the operational challenges encountered across modelling, product designs and hedging.
Information For Retirees About The Federal Employees Group Life Insurance Program
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Author : United States. Office of Personnel Management. Retirement and Insurance Group
language : en
Publisher:
Release Date : 1992
Information For Retirees About The Federal Employees Group Life Insurance Program written by United States. Office of Personnel Management. Retirement and Insurance Group and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1992 with Government employees' life insurance categories.
Personal Insurance
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Author : G. Victor Hallman
language : en
Publisher: American Institute for Cpcu
Release Date : 1994
Personal Insurance written by G. Victor Hallman and has been published by American Institute for Cpcu this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Business & Economics categories.
The Calculus Of Retirement Income
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Author : Moshe A. Milevsky
language : en
Publisher: Cambridge University Press
Release Date : 2006-03-13
The Calculus Of Retirement Income written by Moshe A. Milevsky and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-03-13 with Business & Economics categories.
This 2006 book introduces and develops the basic actuarial models and underlying pricing of life-contingent pension annuities and life insurance from a unique financial perspective. The ideas and techniques are then applied to the real-world problem of generating sustainable retirement income towards the end of the human life-cycle. The role of lifetime income, longevity insurance, and systematic withdrawal plans are investigated in a parsimonious framework. The underlying technology and terminology of the book are based on continuous-time financial economics by merging analytic laws of mortality with the dynamics of equity markets and interest rates. Nonetheless, the book requires a minimal background in mathematics and emphasizes applications and examples more than proofs and theorems. It can serve as an ideal textbook for an applied course on wealth management and retirement planning in addition to being a reference for quantitatively-inclined financial planners.
Life Insurance Solutions For Financial Retirement Planning
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Author : Timothy E. Radden
language : en
Publisher:
Release Date : 2005
Life Insurance Solutions For Financial Retirement Planning written by Timothy E. Radden and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005 with Cash value categories.
Federal Employees Group Life Insurance Program
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Author : United States. Office of Personnel Management. Retirement and Insurance Service
language : en
Publisher:
Release Date : 1997
Federal Employees Group Life Insurance Program written by United States. Office of Personnel Management. Retirement and Insurance Service and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997 with Government employees' life insurance categories.
Life Insurance In Retirement Planning
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Author : Ben G. Baldwin
language : en
Publisher:
Release Date : 2003
Life Insurance In Retirement Planning written by Ben G. Baldwin and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with categories.
The author discusses variable universal life insurance (VUL) through an examination of their perceived problems and a careful description of what VUL is and what it is not. His discussion includes an analysis of which clients are a good match for VUL policies.