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Questions and Answers on Life Insurance: The Life Insurance Toolbook [Kindle Edition]

Anthony Steuer
4.8 out of 5 stars  See all reviews (32 customer reviews)

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Book Description

A user-friendly guide to making expert decisions on life insurance policies.

Need help facing the constant barrage of information from competing life insurance companies? With twenty years of experience in the life insurance business, Tony Steuer delivers a practical, one-of-a-kind resource for choosing the best life insurance policy for you or your family. Using a simple question-and-answer format, Steuer covers the essential basics and the finer points of life insurance, including how to:
- Differentiate between type of policies
- Find and evaluate a policy and company
- Hire a trusted agent
- Understand the practice of underwriting
- Monitor a policy's performance

With all the advice to help you avoid unnecessary pitfalls and unpleasant surprises, Steuer's guide will help you make informed, confident decisions and gain the maximum benefit from life insurance companies.

Editorial Reviews


An easy-to-use life-insurance guidebook. Chartered Life Underwriter (CLU) Steuer notes that life insurance is "one of the least exciting topics to think about," and here he offers a painless reference book to that gray world. The format of the book, framed as answers to frequently--and not-so-frequently--asked questions, will help readers make informed decisions about what kind of life insurance to purchase and how to monitor your holdings to avoid any nasty surprises down the road. Read in its entirety, the book provides a deep-immersion course (this exhaustive resource is certainly dense) on all aspects of the subject. But it's also helpful in addressing the quandary of the moment, from something as basic as whether or not to buy term or permanent insurance to the material knowledge that can be gleaned from insurance regulatory information reports. Steuer lays out pros and cons, demonstrates how you can use mathematical calculations to arrive at a plan that best suits you, brings needs-analysis into play and tenders an array of quick facts that help put issues into perspective. Though the sentences are often halting and poorly constructed--"It stems from the old principle that if a villager's house burned down, and then the other villagers would help to rebuild the house"--the information is solid. Steuer's premise is economic commonsense--when laying out tens of thousands of dollars, it's good to know what you're buying--and his guidance is valuable. -- Kirkus Reviews

About the Author

Anthony Steuer is the Life Insurance Answer Man and is your #1 “go to guy” on all life insurance issues. A trusted and licensed expert specializing in the analysis of life insurance products and due care review he provides valuable advice to a range of clients that include individuals, attorneys, CPAs, investment counselors, professional advisors and trust officers.

Product Details

  • File Size: 1843 KB
  • Print Length: 483 pages
  • Publisher: Greenleaf Book Group LLC (August 1, 2010)
  • Sold by: Amazon Digital Services, Inc.
  • Language: English
  • ASIN: B0099R6D0Q
  • Text-to-Speech: Enabled
  • X-Ray:
  • Word Wise: Enabled
  • Lending: Enabled
  • Amazon Best Sellers Rank: #321,368 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
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Customer Reviews

Most Helpful Customer Reviews
18 of 20 people found the following review helpful
This is quite a useful reference both for the financial services professional and for the layperson with specific questions about life insurance. The question and answer format, user-friendly table of contents and reference tables make it easy to find the answers you are seeking. The writing is clear and easily understood. Life insurance industry jargon is explained in plain English.

The book begins with the basics and moves on to progressively more complex questions. It delves into the minutiae without becoming tedious.

It is comprehensive, covering most anything you might want - or not want- to know about life insurance. Most readers will use the book to answer specific questions, but it is well enough organized to serve as a textbook for those interested in the complex field of life insurance.

Overall, an excellent effort and worth the money.
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17 of 21 people found the following review helpful
5.0 out of 5 stars A comprehensive description of life insurance December 28, 2004
"Questions and Answers on Life Insurance" is an excellent resource for anyone who is buying or has bought either "whole" or term life insurance. It is also a good reference for life insurance salespersons, financial planners, or those just interested in learning more about life insurance. The book answers questions regarding what type of policy is appropriate, how to deal with an insurance salesperson, what to expect in the underwriting process, and what steps one should take after buying life insurance. The book also contains many useful web site references and some sage advice relevant to life insurance and general financial planning. The question and answer format quickly directs the reader to a specific area of interest. The index and glossary are particularly complete. Mr. Steuer should be complemented on his thorough and interesting book.

Overall, if you have the slightest desire to know more about life insurance, I highly recommend this book
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11 of 13 people found the following review helpful
5.0 out of 5 stars Informative Book On Life Insurance January 26, 2007
I found this book to be very thorough, covering many important topics regarding life insurance. This book is very consumer friendly, as well as informative to a seasoned professional. There does not seem to be very much on the topic of life insurance in the marketplace and it is refreshing to see Mr. Steuer tackle these issues in a consumer friendly manner. I would be more than happy to recommend this book to anyone interested in learning about the life insurance industry. Many books are written on how to accumulate assets/wealth. More books, like this one, should tackle the issues of protecting financial assets.
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5 of 5 people found the following review helpful
5.0 out of 5 stars A Must-Have For Your Reference Library February 20, 2007
Thank You, Mr. Steuer! I can now understand the mysterious world of life insurance and why it's so important to be insured. Q&A on Life Insurance was written just for you and me in language that is simple and easy to understand. The best part, it's a non-biased reference without the sales pitch.

I appreciate the easy to find answers. I don't have to dig through pages of information to find what I need. Readers will also appreciate that Mr. Steuer has taken the time to de-code and decipher traditional life insurance lingo. His book is filled with many useful definitions. I had several "ah-ha" moments myself.

A definite MUST-HAVE for your private reference collection.
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7 of 8 people found the following review helpful
5.0 out of 5 stars Demistifying Life Insurance January 25, 2005
Sooner or later, most of us buy life insurance. Unfortunately, darn few of us know enough to sort through the myriad of whole life and term insurance policy options when searching for the best policy to satisfy our present and future requirements. Anthony Steuer helps you do just that. Steuer demystified this complex subject. His topic isn't wildly exciting, but Tony made it reader-friendly by using a Q&A format. You may even, much to your surprise, find it interesting. If you're like me, sooner or later you'll prowl through the physical exam factors in Appendix D to research your specific medical conditions. Steuer's book is an invaluable tool for the consumer who needs to understand life insurance
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3 of 3 people found the following review helpful
4.0 out of 5 stars Excellent book on the subject June 29, 2011
Format:Paperback|Verified Purchase
As other reviewers have already expressed, it is as informative as a text book, yet as readable as a novel. Lot's of good info covering almost everything from A to Z. I generally agree with the previous positive comments, so I will not repeat them. The book does have two glaring omissions. 1. It never addresses the differences between a Mutual Insurance company and other Shareholder companies. I thought the author would have pointed out the advantages and benefits of a mutual company. He does have the definition of a mutual company in the Glossary of Terms at the end of the book, but he should have devoted at least a few paragraphs to this important distinction. Kind of like writting a book on banking but not exxplaining the differences between a bank and a credit union. 2. In the preface he states that Life Insurance is not an investment. He never explains this in the book. There is a lot of books and chatter about self banking using life insurance that he should have addressed. The author states that it is a financial vehicle that can be used to pay for education and many other things. That sounds like an investment to me. He should have shown the difference between an investment and life insurance.

It easily deserves fives stars, if not for the two mentioned omissions.

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Most Recent Customer Reviews
5.0 out of 5 stars Great info
Great info..
Published 5 months ago by okidog
5.0 out of 5 stars One of the most comprehensive Life Insurance books
Tony Steurs book is one of the most comprehensive and informative books on Life insurance on the market today. Read more
Published 7 months ago by Toyin BELLO
5.0 out of 5 stars Great book on life insurance
I am a single woman almost 50 years old. I know I should know a lot more about life insurance but I don't. This book is a great reference tool. Read more
Published 8 months ago by Chudwad1
5.0 out of 5 stars Understanding life insurance, before you need it!
This is a remarkable book through it's combination of being: a) easy-to-understand, b) interesting to read and c) complete. Read more
Published 9 months ago by Daniel A. Karr
5.0 out of 5 stars Exactly what I was looking for.
My husband was looking to understand What Life insurance is for and how to understand it simply. This is what he was looking for.
Published 10 months ago by Music Finder
5.0 out of 5 stars Very informative book
I am learning from this publication everything I need to know for buying the life insurance... or may be not to buy one
Published 10 months ago by mark shikhman
5.0 out of 5 stars Tont Steuer's Book on Life Insurance
I have been in this industry for 30 years. This is the best book I've seen covering a comprehensive review of life insurance. Read more
Published 12 months ago by Mike Smith
5.0 out of 5 stars Loved this book!
It makes insurance easy to understand. I think everyone should have a copy of this book or, at least, should reference it when having insurance questions. Read more
Published 12 months ago by Emily
5.0 out of 5 stars Helpful for state test
Not only is this toolbook great for consumers wishing to learn more about life insurance, it is vital for the novice life insurance agent. Read more
Published 14 months ago by Dan Escudero
5.0 out of 5 stars Life Insurance - a Valuable training and reference tool
This book is writtin in a very descriptive, easy to read format which allows both an experienced professional and a Consumer to fully understand Life Insurance. Read more
Published 16 months ago by Lanlyn
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More About the Author

Tony Steuer provides simple answers to your complex questions on insurance. Tony Steuer, CLU, LA, CPFFE is a recognized authority on life, disability and long term care insurance literacy and a member of the California Department of Insurance Curriculum Board and the National Financial Educators Council Curriculum Advisory Board. Through and - Tony provides insurance literacy education and resources.

Tony's Questions and Answers on Life Insurance and The Questions and Answers on Life Insurance Workbook were winners of the Excellence in Financial Literacy Education™ Award from the Institute for Financial Literacy® . Tony's most recent book is The Questions and Answers on Disability Insurance Workbook.

Questions and Answers on Life Insurance has been named by Forbes as 1 of 9 great investment books worth reading. Tony is a frequent speaker and media contact for print, online & radio.

Tony is a member of the Lucille Packard Children's Hospital Foundation's Advisory Council and the St. Joseph Elementary School Advisory Board. He resides in Alameda, CA, with his family.

Specialties: Tony is an author, insurance literacy advocate & speaker


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