Women’s Insurance & Retirement
Table of Contents
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Chapter 1: Women and Financial Myths |
6 |
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Improving One’s Immediate Financial Position |
9 |
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Obtaining a Better Paying Job |
10 |
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The Possibility of Divorce |
11 |
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Getting Ready for Retirement and Old Age |
12 |
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Chapter 2: Widowhood |
14 |
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When Husbands Die |
14 |
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Receiving Life Insurance Proceeds |
14 |
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Entering Probate |
16 |
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Chart: Confidential Inventory of Assets |
17 |
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Published Notices |
18 |
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Which Bills Should be Paid? |
18 |
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Utilizing All Possible Incomes |
18 |
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Chapter 3: Living Single |
20 |
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Single by Choice |
20 |
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The Widow |
21 |
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Income Categories |
22 |
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Domestic Partners |
24 |
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The Divorcee |
25 |
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Prior to Facing Divorce |
27 |
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Separation Agreements |
28 |
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Deciding What is Equitable |
29 |
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Chapter 4: Marriage & Finances |
31 |
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Ante nuptial Agreements |
34 |
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United by Love; Separated by Finances |
36 |
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Marriage Creates an Insurance Need |
37 |
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Sharing Ownership |
38 |
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Chapter 5: Financial Control |
40 |
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Goals |
41 |
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Questions to establish goals |
44 |
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Achieving Privacy: Why is it Necessary? |
46 |
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Chapter 6: Insurance and Debt |
50 |
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“Binding” a policy |
52 |
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Establishing Net Worth |
55 |
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Equal Credit Opportunity Act |
57 |
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Chapter 7: Retirement Investing |
61 |
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Life Expectancies |
61 |
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Longevity Determination Affect Money Strategies |
63 |
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Inflation: the Silent Robber |
64 |
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The First Step to Investing: Adequate Life Insurance |
66 |
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Protecting Income through Disability Insurance |
67 |
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Establishing a Savings Account |
67 |
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Home Ownership |
68 |
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Investing Disposable Income |
68 |
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Individual Retirement Accounts (IRA) |
70 |
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401(k) Plans |
73 |
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Annuities / Annuity Types |
74 |
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Annuity Withdrawals |
77 |
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A Payment of Money |
78 |
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Finding the best annuity products |
80 |
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Annuity Subcategories |
83 |
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Payout Options Available |
84 |
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Single Premium Whole Life Products (SPWL) |
86 |
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Single Premium Variable Life Policies |
87 |
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Investing at Older Ages |
88 |
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Investment Advisers |
89 |
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Chapter 8: Women’s Retirement Issues |
91 |
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Why women end up alone in retirement |
91 |
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Social Security |
92 |
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Chapter 9: Combining Insurance with Other Tools |
100 |
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Life insurance is issued for several reasons |
100 |
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What happens when there is no valid will |
101 |
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Key Person Insurance |
105 |
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Insuring Losses |
106 |
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Utilizing a Will |
107 |
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Living Trusts: “Private Wills” |
109 |
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Who Should Set Up a Living Trust? |
114 |
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Choosing Beneficiaries Wisely |
116 |
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Guns |
116 |
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Pets |
116 |
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Holding Property Jointly |
116 |
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Community Property |
117 |
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For Single Women |
118 |
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Chapter 10: Selecting Life & Health Insurance |
119 |
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Disability Insurance |
120 |
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Types of Disability Insurance |
121 |
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Disability Policy Features |
122 |
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How Much Disability Protection is Needed? |
123 |
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Life Insurance |
123 |
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Who Needs Life Insurance? |
124 |
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Determining Needs |
126 |
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What Kind of Life Insurance Should a Woman Buy? |
127 |
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Employee Life Insurance |
128 |
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Teacher’s Life Insurance |
129 |
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Term Insurance |
129 |
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Ordinary or Traditional Whole Life Insurance |
132 |
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Variable Life Insurance |
135 |
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Prospectus |
136 |
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Limited Payment Life |
137 |
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Endowment Insurance |
138 |
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Universal Life Policies |
138 |
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Insurance Riders |
139 |
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Grace Periods & Reinstatement |
139 |
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Incontestability / Suicide |
140 |
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Policy Ownership |
141 |
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Finding the Right Company to Represent |
141 |
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Changing Life Insurance Policies |
142 |
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Life Insurance as an Investment |
144 |
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Health Insurance: a New Era |
144 |
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A New Administration |
145 |
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Changes in the Law Affect Health Care |
148 |
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Adverse Selection |
148 |
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Dealing with the Results |
150 |
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Chapter 11: Selecting Property & Casualty Insurance |
152 |
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Auto Insurance |
152 |
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Liability |
153 |
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Medical Insurance |
154 |
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Collision Benefits |
154 |
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Comprehensive |
155 |
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Uninsured Motorist |
155 |
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Wage Loss & Substitute Services |
156 |
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Setting Insurance Rates |
156 |
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No-Fault Insurance |
157 |
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Renter’s Insurance |
158 |
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Homeowner’s Insurance |
158 |
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Basic, Broad, and Comprehensive Forms |
160 |
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Personal Property |
162 |
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Liability Insurance |
163 |
United Insurance Educators, Inc.
8213 352nd Street East
Eatonville, WA 98328-8638
Website: www.uiece.com
Email: mail@uiece.com
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