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.

PO BOX 1030

Eatonville, Washington 98328

(253) 846-1155