Family Insurance Needs
Family Insurance Needs is completely devoted to helping the field agent gain a better understanding of the needs of a growing family. This includes life insurance, health insurance, disability insurance, long-term care insurance, retirement planning, college planning and divorce.
The text goes into detail about all the types of life insurance, like term cash value and whole life policies. Health insurance covers HMOs, PPOs, group insurance as well as individual insurance. The chapter on health insurance also covers provisions and riders important to prospective policyholders. These provisions and riders include a description of the 12 mandatory and 11 optional, plus others. The disability chapter covers the riders available like the COLA, Return of Premium and the Social Security riders. As we know, there is no "single" product that is best for everyone.
The chapter on retirement planning is quite extensive, covering portions on living trusts, wills, probate and how these affect families as well as choosing guardians for the children. The chapter also covers long-term care products.
There is a small chapter on college planning that tried to focus attention on planning for and funding a college education for the family's children. It covers the insurance products available to meet these needs.
The book ends with a chapter on Ethics.
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