Women’s Insurance & Retirement
Table of Contents
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Chapter 1: Women and Financial Myths |
1 |
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Improving One’s Immediate Financial Position |
3 |
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Obtaining a Better Paying Job |
5 |
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The Possibility of Divorce |
5 |
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Getting Ready for Retirement and Old Age |
6 |
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Chapter 2: Widowhood |
8 |
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When Husbands Die |
8 |
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Receiving Life Insurance Proceeds |
8 |
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Entering Probate |
10 |
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Chart: Confidential Inventory of Assets |
11 |
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Published Notices |
12 |
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Which Bills Should be Paid? |
12 |
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Utilizing All Possible Incomes |
12 |
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Chapter 3: Living Single |
14 |
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Single by Choice |
14 |
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The Widow |
15 |
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Income Categories |
16 |
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Domestic Partners |
18 |
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The Divorcee |
19 |
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Prior to Facing Divorce |
20 |
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Separation Agreements |
21 |
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Deciding What is Equitable |
22 |
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Chapter 4: Marriage & Finances |
24 |
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Antenuptial Agreements |
27 |
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United by Love; Separated by Finances |
29 |
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Marriage Creates an Insurance Need |
29 |
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Sharing Ownership |
30 |
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Chapter 5: Financial Control |
32 |
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Goals |
33 |
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Questions to establish goals |
35 |
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Achieving Privacy: Why is it Necessary? |
37 |
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Chapter 6: Insurance and Debt |
40 |
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Binding Coverage |
41 |
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Establishing Net Worth |
44 |
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Equal Credit Opportunity Act |
46 |
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Chapter 7: Retirement Investing |
50 |
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Life Expectancies |
50 |
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Longevity Determination Affect Money Strategies |
51 |
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Inflation: The Silent Robber |
53 |
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The First Step to Investing: Adequate Life Insurance |
54 |
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Protecting Income through Disability Insurance |
55 |
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Establishing a Savings Account |
56 |
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Home Ownership |
56 |
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Investing Disposable Income |
57 |
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Individual Retirement Accounts (IRA) |
58 |
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401(k) Plans |
61 |
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Annuities |
61 |
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Annuity Types |
62 |
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Annuity Withdrawals |
64 |
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A Payment of Money |
65 |
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Finding the best annuity products |
67 |
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Annuity Subcategories |
70 |
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Payout Options Available |
70 |
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Single Premium Whole Life Products (SPWL) |
72 |
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Single Premium Variable Life Policies |
74 |
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Investing at Older Ages |
74 |
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Investment Advisers |
75 |
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Chapter 8: Women’s Retirement Issues |
77 |
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Why women end up alone in retirement |
77 |
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Social Security |
78 |
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Chapter 9: Combining Insurance with Other Tools |
85 |
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Life insurance is issued for several reasons |
85 |
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What happens when there is no valid will |
86 |
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Key Person Insurance |
90 |
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Insuring Losses |
91 |
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Utilizing a Will |
92 |
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Living Trusts: “Private Wills” |
93 |
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Who Should Set Up a Living Trust? |
97 |
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Choosing Beneficiaries Wisely |
99 |
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Guns |
99 |
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Pets |
100 |
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Holding Property Jointly |
100 |
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Community Property |
101 |
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For Single Women |
101 |
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Chapter 10: Selecting Insurance Coverage |
103 |
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Disability Insurance |
104 |
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Types of Disability Insurance |
105 |
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Disability Policy Features |
105 |
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How Much Disability Protection is Needed? |
107 |
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Life Insurance |
107 |
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Who Needs Life Insurance? |
108 |
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Determining Needs |
109 |
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What Kind of Life Insurance Should a Woman Buy? |
111 |
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Employee Life Insurance |
111 |
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Teacher’s Life Insurance |
112 |
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Term Insurance |
112 |
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Ordinary or Traditional Whole Life Insurance |
115 |
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Variable Life Insurance |
118 |
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Prospectus |
118 |
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Limited Payment Life |
120 |
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Endowment Insurance |
120 |
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Universal Life Policies |
120 |
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Insurance Riders |
121 |
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Grace Periods & Reinstatement |
121 |
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Incontestability / Suicide |
122 |
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Policy Ownership |
122 |
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Finding the Right Company to Represent |
123 |
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Changing Life Insurance Policies |
123 |
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Life Insurance as an Investment |
125 |
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Health Insurance: a New Era |
125 |
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A New Administration |
126 |
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Changes in the Law Affect Health Care |
129 |
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Adverse Selection |
129 |
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Dealing with the Results |
131 |
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Chapter 11: Selecting Property & Casualty Insurance |
133 |
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Auto Insurance |
133 |
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Liability |
134 |
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Medical Insurance |
135 |
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Collision Benefits |
135 |
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Comprehensive |
136 |
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Uninsured Motorist |
136 |
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Wage Loss & Substitute Services |
136 |
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Setting Insurance Rates |
136 |
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No-Fault Insurance |
138 |
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Renter’s Insurance |
138 |
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Homeowner’s Insurance |
139 |
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Basic, Broad, and Comprehensive Forms |
140 |
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Personal Property |
142 |
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Liability Insurance |
143 |
United Insurance Educators, Inc.
PO Box 1030
Eatonville, WA 98328
(253) 846-1155
Email: mail@uiece.com