Book Description
Do the terms collaterized mortgage obligation, subordinated debenture, and pass-through certificate give you a headache? Do you need to take the Series 6 exam? If you can answer yes to both of these questions, then you've come to the right place. Robert Walker, a professional trainer who specializes in the NASD/NASAA Series 6, 63, 65/66, and 7 exams, has written this book for those who are about to brave the Series 6 examination. Armed with an M.F.A. in writing and a B.A. in English, Walker has managed to translate Securities-ese into plain English, with a liberal dash of humor. This must-have book guides you through the intricacies of the Series 6 exam. Walker takes the exam apart piece by piece, and explains terms and concepts with a sense of humor and ease not found in other exam guides. He shows you, step-by-step, how not to be misled by the questions. Pass the 6 includes two complete 100-question practice finals, a handy glossary, a final checklist/studysheet, and even a bonus section on trusts, estates, and gifts, along with its own set of questions. Plus you'll find that Robert directs you to his web site, where he offers updates, downloads, and other helpful information. Once you've finished this book, you will be able to take the test with confidence!
Customer Reviews:
Entertaining yet comprehensive. .......2007-08-14
Robert Walker has written a rare jewel that has the depth necessary for a study book of this nature yet is presented in such a way to make the topics enjoyable enough to retain in your mind. Instead of just listing bullet points, the book presented many colorful situations to bring theoretically concepts into a colorful reality. I just recently passed my series 6 test the first time in no small part to the great resource that is this book. Thank you Robert. I appreciate all the help and I highly recommend your book.
I Passed!!!.......2007-06-20
This is a great book!! It helped me understand the concepts in real people terms. His sence of humor really made a boring topic fun to read. My employer supplied me with a book that was like reading Greek, but Pass the 6 coverted the information into terms that even I could understand. Also, I emailed the author on 2 separate occasions on some things that I did not understand and he was happy to respond to me right away with the answers. I just bought Pass the 63 for my next exam. Thanks again for helping me pass!!
GREAT book for beginner!.......2007-05-07
I highly recommend this book if you are looking to UNDERSTAND the concept of security in general. If you are looking for SAMPLE QUESTIONS to help you pass the test by memorizing, this is NOT for you! This book is to help you understand the basic and logic behind all the membo jambo about securities. The author did a good job in explaining the subjects in plain english so you can relate to your normal daily life. I suggest to read the book at least twice before taking the test & Good Luck!
Worked for me!!!.......2007-05-01
I used this book only. I didn't use tapes, internet, or any other classes.
I am NOT a good test taker. Learned the book studied the practice test answers and past with an 83.
Great Read.......2007-01-25
I used this book as a supplement in studying to pass my Series 6 exam and it is so much easier to read compared to the other materials I had. I'm not sure if it on it's own it would have adequately prepared me but it definately helped me review and look at things in a different way. I have since passed the exam!
Book Description
"For anyone who needs to understand different types of life insurance, as well as considerations for purchasing and managing policies, this book should be on your nearby reference shelf. If you’ve frequently found yourself fumbling around with terminology, such as the differences between variable, universal, and variable universal life (VUL) policies, you’ll finally see some light through the haze." - MorningstarAdvisor.com
Life insurance doesn't have to be complex or intimidating. Ben Baldwin's completely revised and updated guidebook makes it clear and logical, discussing how to analyze insurance products based on their investment merits and best overall financial returns. This clear, authoritative resource for consumer insurance information covers the pros and cons of Internet purchases, techniques to use capital within a policy, the fixed premium feature, insurance for different stages of life, and the new emergence of "immediate annuities."
Download Description
This clear, authoritative resource for consumer insurance information covers the pros and cons of Internet purchases, techniques to use capital within a policy, the fixed premium feature, insurance for different stages of life, and the new emergence of "immediate annuities."
Customer Reviews:
An excellent resource.......2007-06-27
This is the best source I have come across for dissecting and analyzing VUL. Most insurance professionals shy away from this product because of its risks. My feeling has been that this reaction is born out of a lack of understanding. This book is very clear about the risks and the rewards, teaching both with depth and candor. Knowledge is power and this book provides both.
good info, but too biased towards VUL.......2007-03-17
The book is very informative, entertaining, and instructive. It gives the benefits and drawbacks of each type of life insurance. It's a good reference book. It's easy to read and understand.
However, it is very biased towards variable universal life (VUL). In fact, the author states that this type of policy is the reason why the book exists. He even goes so far as to say that VUL is one of the best investment vehicles of the century! He's a good cheerleader for VUL and even though he is honest and does point out the pitfalls of VUL, he sort of skims over the probability of problems with these policies in later years.
This book inspired me to check VUL policies and get some illustrations. I was shocked at the high probability of lapse in these policies if the expected return in the investments was average, say expected 8% return. You really need to get over 10% annualized return in the policies to be assured that the policy will not lapse. Anything less than that and you are running a grave risk of having to fund the policy dramatically or see it lapse just at a time when you need it most, after age 70. The trick is to adequately fund the policy from the start, and the funding can be quite expensive. And even after all of that, the insurance company makes YOU assume the risk of generating enough return to keep the policy in force. Even if you don't take any loans, the policy can lapse if the returns are just a little bit less than expected. That's very high risk to me. There are no affordable guarantees of minimum death benefit or cash values in a VUL, regardless of loans or premiums paid on time. I was shocked to learn this in reality.
So don't fall for the hype in this book about VUL. The author greatly under-estimates the risk inherent in VUL policies.
Ultimately, I'd say there are better books on insurance if you just want to learn about the basics.
Excellent User's Guide in Clear Language.......2006-11-10
Ben Baldwin has always been one of the clearest writers about life insurance from a financial planning perspective. The explanations of what the insurance industry would call "Advanced Underwriting" uses of life insurance in this book are clear, concise and free of jargon. Although this is a consumer book, I would recommend it to financial planning professionals to enhance their own understanding and to see how to explain complex financial topics to clients.
Great way to learn about insurance.......2006-07-27
The author did a geat job in explaining life insurance products. Those that have panned the book have a built in bias against insurance companies and their salesmen/woman. Fine, but I am waiting for one to write a cogent critique of why the author is wrong in his analysis. Frankly, I haven't found one financial services professional that can, even those that don't sale insurance products. Bottom line, the strategy makes sense for a many if not most folks who are trying to accumulate retirement $$. And yes the insurance industry makes good fees selling their products just like the securities companies make great fees with their products whether they are indexed mutual funds or stocks and bonds. I simply consider this the cost of doing business and move on. So what if someone makes some money helping you have a more comfortable retirement. Read it, take the ideas seriously, and incorporate the ideas into your plan. I have.
So far, so good..........2005-10-20
I'm an avid reader and have ordered dozens of books through Amazon, but this is the first one I've taken the time to write a review for, because I believe this book can help others in the same situation I was.
I ordered this book when I was applying for Life Insurance, based on the investment strategy in Douglas Andrew's book, "Missed Fortune 101". I wanted to review another reference on life insurance to learn more about it, and to corroborate Andrews' strategy. This is the only other book I could find that discussed LI from a financial investment perspective. This is a very comprehensive book about LI. It's a large book, and so far I've only read portions, skipping around to the areas I needed to understand the type of policy I was applying for, and to justify in my mind that indeed it was the right one for me (I'm working with a financial planner who recommended a particular plan, and has largely focused his practice on Doug Andrews' strategy). This book gave me a lot of the information I needed to ask my agent questions about my policy. In fact, he was impressed with my questions and wanted the name of this book.
This is a very easy to read book, with plenty of *understandable* tables as examples. I have also found it to be very objective, discussing the tradeoffs of the different types of policies, and discussing in what personal situations a particular policy might be best. The intent of this book is clearly educational - there's no hidden agenda or bias that I can detect. The author has CFP, CLU, and CHFC credentials.
Finally, and very importantly, this author stresses the need to manage your life insurance policy over time, as you would any other investment - especially the flexible aspects of policies, and including, where necessary, 1035 transfers to a more appropriate policy.
Average customer rating:
- Get a feel of the industry!
- It did what it was supposed to
- Life Saver
- Cram Exam
|
Life and Health Insurance License Exam Cram
Bisys Educational Services
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Pass the 63: A Training Guide for the NASAA Series 63 Exam
ASIN: 0789732602 |
Book Description
If you are studying for your life and health insurance licensing exam, we have the ultimate study tool for you. Life and Health Insurance License Exam Cram is a great resource to help you learn the concepts, laws, rate calculations and state and federal regulations that will be covered on the exam. You'll also receive a CD that includes a fully-customizable test engine, detailed score report and state-specific law supplement. No matter where you are taking your exam or which area you need to focus on during your studying, Life and Health Insurance License Exam Cram is your smartest way to get certified.
Customer Reviews:
Get a feel of the industry!.......2007-01-09
I have several different resources I'm using to study for my life insurance test and what I was looking for was a book that could give me a feel for the insurance business as a producer and one who really likes helping people. This book does that and more and makes you understand what a great field this is and how you can make peoples lives better by providing this service. You have to go for it and this book can help you for sure. Great book!
It did what it was supposed to.......2007-01-06
It coverd the same stuff as my course material, but in some cases it was easier to understand and it had additional test questions included to help me study. I passed the test the first time.
Life Saver.......2006-08-22
In regard to "Exam Cram, Life and Health" I would recommend this book to my adult children if they want to pass the California exam. In addition to being a great test preparation book, I was able to get my computer to read the book to me, by using Adobe and Microsoft text-to-speech programming, which is free to the general public. This book was much better than the text provided by the school. It even includes information needed to open my own business.
Good luck, Bob.
Cram Exam.......2005-08-08
This book is great for anyone who wishes to pass the Life And Health insurance exams.
Customer Reviews:
Review of High Touch Selling.......2005-07-18
John was an icon of the industry and a very down to earth fellow. The book is an easy read with some real gems, but can be a little verbose at times.
God information for Insurance Salespeople.......2003-01-17
As an insurance professional I am disappointed at the lack of insurance industry specific material available. Mr. Savage is right up there with Ben Feldman and Jack and Garry Kinder in the insurance industry. Mr. Savage encourages simplicity in his presentations rather than the complicated 45 min - one hour sessions as taught by most major insurance companies. I find his material a great read, full of insight and information. His other books, Savage on Selling and It's Getting Easier" are also highly recommended. I am still looking for a copy of "The Easy Sale" if anyone finds one less than $$$ for the paperback.
Average customer rating:
- Comprehensive and concise
- an excellent reference book
|
Life and Health Insurance (13th Edition)
Harold D. Skipper , and
Kenneth Black
Manufacturer: Prentice Hall
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The Life Insurance Handbook
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ASIN: 0138912505 |
Book Description
This current, accurate and detailed industry guide for financial service professionals examines life and health insurance simultaneously from the viewpoints of the buyer, the advisor, and the insurer—providing a comprehensive and unbiased treatise on individual and group life; a forthright appraisal of life and health insurance industry products with careful consideration of the environment; and a complete examination of life insurance company operations and regulation.
Bases financial treatment of life insured operations on modern financial theory, and devotes entire chapters to the economics of life and health insurance; individual life and health insurance policies; life and health insurance evaluation; the uses of life and health insurance in personal and business planning; government and employee benefit plans; and the management, operation, and regulation of life insurance companies. Offers a strong global orientation, supporting fundamental concepts with an extensive integration of economic and financial theory and international comparisons, and examines how today's health insurance products fit into a broad framework from a contractual, cost, and performance viewpoints. New chapters on the tax treatment of life and health insurance address such areas as estate planning, retirement planning, and the business uses of life and health insurance.
For financial planners, salesmen, actuaries, investment managers, attorneys, CPAs, and other financial service professionals.
Customer Reviews:
Comprehensive and concise.......2002-11-23
This is an excellent reference book for anybody in the life insurance business, whether you are a novice or an old hand. Comprehensive, easy to understand, and concisely written.
an excellent reference book.......2000-10-11
This book is an excellent reference book. Just by looking at its Edition Number -- 13, you will know how important this book is in the industry.
Average customer rating:
|
Life and Health Insurance Law , Loma Edition
Muriel L Crawford
Manufacturer: McGraw-Hill/Irwin
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Life and Health Insurance (13th Edition)
ASIN: 0256166994 |
Book Description
This text presents the major principles of life and health insurance law in a manner that will allow students without legal training to readily understand them. The purpose of this text is to educate students to recognize legal problems so that they can seek advice from legal counsel. The LOMA edition will be the only version of Crawford that we offer. If universities are interested in using this version, we will need to work with the Custom Publishing Department to have the cover of the text altered. The textual information can be utilized as it is. New material concerns court oversight of lawyers, market conduct, the new NAIC Life Insurance Illustrations Model Regulation, genetic information, the constitutionality of punitive damages, state statutes limiting punitive damages, the Federal Health Insurance Portability and Accountability Act of 1996, minimum premium plans, self-funded plans, stop-loss contracts, managed care organizations, utilization review, case management, health care fraud, the NAIC Model Variable Contract Law, qualified assignments of liability, Internet advertising, race discrimination, and age discrimination. Discussions of laws that have been repealed, reversed, or overruled, have, of course, been deleted from this edition.
Customer Reviews:
Easy Reading.......2001-07-08
This book is the third level (not including ACS) in obtaining your FLMI designation. Of the LOMA books I have studied, this has been the easiest reading. The case studies in the book were easy to understand. This book is well written and very interesting. If studied/read all the way through, you will receive a vast knowledge of insurance and how federal/state laws play a part in the insurance world.
Average customer rating:
|
Brackenridge's Medical Selection of Life Risks: Fifth Edition (Brackenridge's Medical Selection of Life Risks)
Manufacturer: Palgrave Macmillan
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ASIN: 1403906769
Release Date: 2006-05-11 |
Book Description
Brackenridge's Medical Selection of Life Risks has long been recognized as the leading reference book on insurance medicine. The fifth edition provides a comprehensive guide to life expectancy for underwriters and clinicians involved in the life insurance industry. Extensively revised and expanded the new edition reflects developments in life and healthcare insurance as well as medicine. There is expanded coverage of disability issues and full account is taken of new developments in genetics and gene therapy and also recent technology and regulatory and compliance issues. Part I deals with the principles of life and disability insurance and the logistics of life underwriting. Part II is devoted to a systematic clinical appraisal of underwriting problems, mainly relating to life insurance but also, where appropriate, to disability, critical illness and long term care insurance.
Book Description
The book introduces and develops the basic actuarial models and underlying pricing of life-contingent pension annuities and life insurance from a unique financial perspective. The ideas and techniques are then applied to the real-world problem of generating sustainable retirement income towards the end of the human life-cycle. The role of lifetime income, longevity insurance, and systematic withdrawal plans are investigated in a parsimonious framework. The underlying technology and terminology of the book are based on continuous-time financial economics by merging analytic laws of mortality with the dynamics of equity markets and interest rates. Nonetheless, the book requires a minimal background in mathematics and emphasizes applications and examples more than proofs and theorems. It can serve as an ideal textbook for an applied course on wealth management and retirement planning in addition to being a reference for quantitatively-inclined financial planners.
Customer Reviews:
living and dying is so complicated to model!.......2006-06-06
To many people, the book's topic is an inherently dreary and offputting one. How to estimate retirement income for a group of people, who typically are still in the workplace?
To do so, the book invokes such common ideas as numerical simulations. Here, of a general diffusion process, specialising to Brownian motion. Who could have imagined, decades ago, when such ideas were introduced in physics, that they would one day have use to actuaries and the like? A neat side note is that one of the book's problems involves using Excel's ability to simulate Brownian processes.
A key chapter compares defined benefit and defined contribution pensions. From the vantage of the pension provider. Who needs to understand as accurately as possible the ultimate costs of both, in order to determine what to offer employees.
Where is the additional material?.......2006-05-08
I purchased this book over a month ago. I expected to receive additional supporting materials which would greatly aid my understanding of the various formulas used throughout the book. The additional supporting material has yet to be posted. As such, currently, i feel i have been overpromised and underdelivered.
Book Description
Now - the Society of Financial Professionals teams up with tax and estate planning expert Lou Shuntich to bring you a practical new reference guide that is both compact and comprehensive. Concise and to-the-point, this handbook provides the latest industry information on:
· The legal aspects of acquiring and owning a policy
· The types of products and contracts available
· Simple criteria for evaluating and comparing policies and insurance companies
· The tax implications of each product type
· Structuring policies, ownership arrangements and beneficiaries for maximum tax and legal benefits - and tips for avoiding traps and pitfalls in the process
While not an exhaustive account of the industry - it's an excellent primer that covers the key concepts necessary when advising clients or analyzing portfolios and estates. And in keeping with the Society of Financial Professionals' steadfast commitment to providing continuing education to the industry. The Life Insurance Handbook is the perfect learning too for keeping busy financial professionals and their clients up-to-date.
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