Seeking Security

Table of Contents

 

Chapter 1:  In the Beginning

     Organization Steps

     Personal Assets

     Life Stages

5

6

8

8

Chapter 2:  Establishing A Financial Picture & Net Worth

     Risk takers

     Net Worth Worksheet

11

15

19

Chapter 3:  Establishing Goals

     Objectives versus goals

     Charting Strategies

     Risk Protection:  chart

     What If the Unexpected Happens?

23

24

26

27

28

Chapter 4:  Suitable Recommendations

     5 factors to consider in a financial investment

     Types of Risk

        Inflation: The Silent Reducer

        Deflation

        Business Risk

        Interest Rate Risk

        Market Risk

        Illiquidity Risk

        Minimizing Risks

     6 basic types of investments

30

35

37

37

38

38

39

39

39

40

41

Chapter 5:  Emergency Funds

     Certificates of Deposit

     Money Market Accounts

47

49

52

Chapter 6:  Avoiding Debt

      Basic credit card terms

     When 20% is not really 20%

      Adjusted Balance Method & Previous Balance Method

      Average Daily Balance Method

52

57

58

58

59

Chapter 7:  Safety Through Insurance

     The Patient Protection and Affordable Care Act

     Better Value

     A Stronger Medicare Program

     Better Health

     Better Options

     Long-Term Care Policies

     Defining Policy Benefits

     Care Levels

     What Benefit Levels Should Be Recommended

     Where Are We Headed

60

61

67

68

68

69

70

71

76

77

80

Chapter 8:  Disability

          Possible solutions for a business when a partner is disabled

81

83

Chapter 9:  Life Insurance

     What Is A Life Insurance Policy?

          Life Insurance Needs:  worksheet

     Planning for The Future

     Life Insurance Trusts

     Types of Life Insurance: Term

          Whole Life Insurance

          Endowment Insurance Policies

          Universal Life Insurance Policies

          Variable Life Insurance Policies

          Survivorship Life Insurance

          Single Premium Whole Life Policies

     What Are Tax-Deferred Annuities?

        Annuity considerations

        3 basic types of annuity contracts

        Annuity payout options

     Individual Retirement Accounts (IRA)

     Company Ratings

88

89

90

91

96

97

97

98

98

99

                   101

                   101

102

110

115

117

121

122

Chapter 10:  Protecting Assets

     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:  Our Home

129

129

130

131

131

132

132

133

133

Chapter 11:  Looking at Taxes Sensibly

140

Chapter 12:  Employer-Sponsored Insurance Benefits

     Funeral Benefits & Dental Insurance

     Disability Income Benefits

     Life Insurance

     Medical Insurance

     Characteristics of Group Insurance

     Group Plan Incentives

     Group Health Insurance

     Self-Insured Plans

     Specific Eligible Groups

     Types of Medical Plans

     Health Maintenance Organizations (HMOs)

     Model Group Life

     Group Contract Termination

     Pension Plans

     The Insurance Consultant

     Flexible Spending Accounts

     After Retirement                                                                                    

143

143

144

144

145

146

149

150

152

153

155

157

159

165

166

170

                   171

172

Chapter 13:  Saving Adequately for Retirement

     Monthly Income Options

     Social Security Income

178

181

183

Chapter 14:  Estate Planning

     Special Provisions

          Care for pets

          Real and Personal property

     Domiciles

     Gifting and Other Property Disbursement

     Following Legal Procedures

     Property Transfers

     Location of the Will

     The Will as A Legal Document

        2 ways to distribute property: per stirpes & per capita

     Selecting Trustees and Other Representatives

        Federal government & state governments will . . .

        Typical order of probate proceedings

     Settling the Estate After the Testator's Death

        Postmortem management falls into 7 categories

185

187

190

192

195

198

204

207

208

209

211

213

215

216

217

222

Chapter 15:  Practical Ethics

     Defining Ethics

     Why Be Ethical?

226

227

229

     What Are Our Responsibilities to Other Moral Persons?

     Choosing to Sell Ethically 

     Human Nature

        Sympathy versus Empathy (definitions)

     Learning to Be Ourselves

     Due Diligence

240

241

244

252

253

254

 

 

United Insurance Educators, Inc.

 

8213 - 352nd Street East

Eatonville, Washington 98328

(253) 846-1155