Chapter 1:  Seeking Security

     Insurance is Part of Life’s Planning

          Liquid and non-liquid assets

     Personal Assets / Life Stages

1

2

3

4

Chapter 2:  Insurance and Risk

          Risk Takers (Survey)

     Determining Financial Status (Net Worth)

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14

     Insurance and Financial Goals

18

     Insurance Objectives

19

     Estimating Requirements

21

     Charting Strategies

23

     Insurance Risk and the Unexpected

24

Chapter 3:  Determining Suitable Products

     Reaching Goals Logically

     Asset Allocation

     Annuity Asset Allocation

     Inaction: Nothing Ventured, Nothing Gained

     Everyone’s Problem

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31

     The Self-Taught Investor / Making Decisions

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     The Relationship of Risk to Return

34

     Types of Risk / Inflation: the Silent Reducer

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     Deflation / Business Risk/Interest Rate Risk

37

     Market Risk / Illiquidity Risk

38

     Minimizing Risk

39

     The Beginner/ Personal Assets versus Investment Assets

40

     Assessing Emergency Cash Funds/Cash Value Life Insurance Contracts are Assets

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     Diversification / Hard Assets

42

     The Role Insurance Plays in Investing

43

          Laddering Annuities

44

Chapter 4:  Product Suitability

     What is Suitability?

     Annuity Suitability or Best Interest

     Suitability/Best Interest Standards

     Determining Suitability

     Age of the Buyer

     Annual Income/Financial Situation and Needs

     Annuity Funding/ Financial Experience

     Financial Objectives (Do the Math)

     Intended Use of the Annuity/Time Horizons/Existing Assets

     Liquidity Needs or Requirements

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     Net Worth/Risk Tolerance

55

     Tax Status/ Entering Retirement

56

     Assessing Suitability/Best Interest

57

          Sales Practices/Product Replacement

58

          Deceptive Sales Practices Forbidden/Full Disclosure/

59

          Product Knowledge/Communication Skills

59

          Identifying Suitability/Best Interest Issues

60

     It is Not a Liquidity Issue but Rather a Suitability Issue

60

     Who is an Unsuitable Annuity Buyer?

61

     Annuity Suitability Recommendations

63

     Requesting Information to Obtain Suitability Status

65

     The Legal Side of Suitability Standards

68

     Self-Protection Through Errors and Omissions Insurance

73

     Insurance Agents

78

     Financial Planners/ Public Harm

79

     Triggers/ Insurance Recommendations in the Real World

80

     Degree Risks/ Risk Classifications

83

     The Burden of Risk

84

     What type of Documentation?

86

     Claiming Unearned Education or Experience/ Full Disclosure

86

     Release of Liability Form/What is Due Diligence?

87

     Fiduciary Duties/ Keep Current on New Trends

88

Chapter 5:  Identity Theft Insurance

     Identity Theft Defined

          What Thieves Look For (list)

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94

          Mortgage Fraud

95

     Identity Theft and Assumption Deterrence Act

96

          Factors for Consideration

97

          Technical Amendments to Title 18, United States Code

98

     Insurance Identity Theft

98

     When Insurance Theft Occurs / Insurance Statistics

99

     Sample Identity Theft Policy

100

          Definitions of ‘Covered Accounts’ and ‘Red Flag’

101

     Debt Affects Premium Rates

109

          Changing the Spending Pattern

111

     When 20% is Not Really 20% (credit card interest rates)

115

Chapter 6:  Safety Through Insurance

     The Patient Protection and Affordable Care Act

     The Affordable Care Act Today

     Changes in the Law Affect Health Care

     Adverse Selection

       Dealing with the Results

       Small Businesses and Self-Employed

       Pharmaceuticals

       Work Requirements Requested by Some States

       2017 Modifications to the Affordable Care Act

     Long Term Care Policies

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     Defining Policy Benefits

128

        Daily Benefit, Waiting Period, Maximum Benefit Period

129

        Type of Facility, Indemnity Policies, Homebound

130

        Prior Hospitalization/ Inflation Protection

131

        Preexisting Conditions, Level Premium, Waiver of Premium

132

     Care Levels

132

     What Benefit Levels Should Be Recommended?

133

        Price of LTC may vary

135

Chapter 7:  Life Insurance

     What Is A Life Insurance Policy?

          Life Insurance Needs: worksheet

     Planning for The Future Through Estate Creation

     Life Insurance Trusts

     Life Insurance for Estate Planning

     Types of Life Insurance / Term Insurance

          Whole Life Insurance

          Endowment Insurance Policies

          Universal Life Insurance Policies/ Variable Life Insurance Policies

          Survivorship Life Insurance

          Single Premium Whole Life Policies

     Annuities

     Qualified Longevity Annuity Contracts (QLAC)

     Annuity Advantages

     Individual Retirement Accounts (IRA)

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Chapter 8:  Protecting Assets Through Insurance

     Bodily Injury Liability

     Property Damage Liability / Medical Payments Coverage

     Uninsured Motorists / Collision

     Comprehensive Physical Damage / No-Fault Laws

     To Tell Or Not To Tell / Insuring Our Greatest Investment: Home Sweet Home

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          Form 1

166

          Form 2 / Form 3

167

          Form 4 / Form 5/ Form 6

168

          Form 7 / Form 8

169

     Earthquake Coverage

170

          Fracking-Induced Earthquakes

171

          Fracking Terminology

172

          Flooding / General Homeowner Coverage

176

          Floaters / Umbrella Policies

177