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| Understanding and Using Life Insurance | |
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| Who Buys Life Insurance? | |
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| How Life Insurance Works: The Risk Factor | |
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| Assessing the Risk | |
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| Types of Insurance Policies | |
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| Who Qualifies for Life Insurance? | |
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| Types of Insurance Companies | |
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| Different Kinds of Policies Serve Different Purposes | |
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| Special Policies | |
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| Special Policy Riders and Clauses | |
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| How Much Life Insurance Do You Need? | |
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| Take Your Financial Temperature | |
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| Reclaim Wasteful Spending | |
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| The Time Value of Money | |
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| How Much Insurance Do You Need? | |
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| Find an Insurance Agent--And a Sound Insurance Company | |
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| Let the Buyer Beware | |
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| What You Can Expect a Financial Planner or Insurance Agent to Do for You | |
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| Check Their Credentials | |
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| Get Referrals | |
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| More Ways to Tell the Good from the Bad | |
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| Selecting a "Solid Gold" Insurance Company | |
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| High Yields Mean Big Risks | |
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| How Healthy Is the Industry? | |
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| Where You Can Get Information | |
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| Putting It Together | |
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| Dropping Down in Class Can Be Profitable | |
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| Firms That Pay the Most Dividends at the Lowest Cost | |
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| The Top 30 | |
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| How Much Should You Pay? | |
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| How Can You Tell Whether You Are Getting a Good Deal? | |
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| What You Should Pay for Term Insurance | |
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| A Word about No-Load Life Insurance | |
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| Several Indexes | |
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| A Picture of Your Insurance | |
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| Sample Illustration--Term Insurance | |
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| Whole Life Hypothetical Example | |
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| Features of Universal Life | |
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| Variable Life Illustration | |
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| There's No Free Lunch | |
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| Term Insurance | |
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| Why Buy Term Insurance? | |
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| Yearly Renewable Term versus Five-Year Renewable Term | |
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| Short-Term Protection | |
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| You Are Someone Special When You Buy a New Policy | |
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| Are You a Convert? | |
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| Tricky Conversion Features | |
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| Other Kinds of Term Insurance | |
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| Whole Life Insurance | |
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| Straight Life | |
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| Payment Options | |
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| Now You See It, Now You Don't | |
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| Interest-Sensitive Whole Life | |
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| Life Insurance as a Source of Low-Cost Loans | |
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| Should You Buy Term Insurance and Invest the Difference? | |
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| Universal Life Insurance | |
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| The Flexible Way to Buy | |
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| Two Flavors of Universal Life | |
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| A Life Cycle Insurance Policy | |
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| What You See Is What You Get When You Purchase Universal | |
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| There Are Drawbacks | |
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| Tax-Free Pension Money | |
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| Variable Life Insurance | |
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| How Variable Life Insurance Works | |
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| Not All Mutual Funds Are Alike | |
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| Annuities | |
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| What Is an Annuity? | |
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| Different Kinds of Annuities | |
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| The Downside | |
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| The Pros and Cons of Different Types of Annuities | |
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| Taking Payments from Your Annuity | |
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| Finding a Low-Cost Variable Annuity | |
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| Combination Annuities | |
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| Be Leery of Death Benefit Guarantees | |
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| CD Annuities | |
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| High Yields That Are Safe and Tax-Free | |
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| Fixed-Rate Annuities versus Municipal Bonds | |
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| Annuity Tax Benefits | |
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| Diversifying Your Variable Life and Annuity Mutual Fund Portfolios | |
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| Advantages and Disadvantages of Variable Annuities | |
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| What Mutual Funds Do for You | |
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| Types of Mutual Funds: A Fund for All Seasons | |
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| You Need a Bridge over Troubled Waters | |
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| Diversification Saved Money during the 1987 Crash | |
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| The 1990 Stock Market Correction | |
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| Over Ten Years, Diversification Worked | |
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| Your Risks and Mix of Mutual Funds | |
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| Review Your Investments | |
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| Conclusion | |
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| How You or Your Beneficiaries Get Paid | |
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| Cash Settlement | |
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| Collect Just the Interest | |
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| Get Money for a Fixed Period | |
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| Life Income Option | |
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| Life Income with a Cash Refund or Period Certain | |
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| The Joint Survivor and Life Income Option | |
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| Creative Uses of Life Insurance | |
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| Borrowing against the Cash Value | |
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| An Extra Source of Retirement Income | |
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| You Create an Estate | |
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| Avoiding the Pension Trap | |
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| Estate Tax Planning | |
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| Immediate Annuities for Extra Income | |
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| Glossary | |
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| Index | |