The Perfect Policy
A Comprehensive Life Insurance Buyer’s Guide
- Learn how life insurance policies work and how they can work for you;
- Get access to never-before-seen-on-the-internet information from life insurance textbooks, original as well as third-party research and in-depth policy analysis, gain a deeper understanding of the basic principles driving all types of life insurance, and;
- Make a better life insurance buying decision by choosing the best policy for you and your family.
“HOW MUCH LIFE INSURANCE SHOULD I BUY?”
A common question… the answer to which is found in the remarkable story of your Human Life Value…
LIFE INSURANCE POLICY BASICS
Not really sure how life insurance policies work?
No problem. Here, you will learn all about the basics, including what all that technical jargon means, why paying your premium is important, what your death benefit means, how to choose beneficiaries, and the fundamentals of how a life insurance policy works for you, both while you’re alive and after you die.
BASIC PRINCIPLES OF LIFE INSURANCE
See The “Big Picture” By Observing The Smallest Details
Want to know more about why life insurance works the way it does?
… What do insurers do with your premiums, anyway? And… how can insurers sell these products and remain profitable when everyone eventually dies? Is your life insurance policy guaranteed to pay out or is it driven by non-guaranteed assumptions?
This section goes beyond the basics of how life insurance policies work and explains the underlying principles that make the concept of life insurance possible.
THE UNDERWRITING PROCESS
How does the life insurance company figure out how much your premium is?
They do it using a sophisticated process called “underwriting.” If you want to know more about this process and how to reduce the cost of insurance for your next life insurance policy (OR… reduce the cost you’re paying for an existing policy), pay attention to this section.
ALREADY UNDERSTAND THE BASICS?
IF SO, THEN LEARN ABOUT THE DIFFERENT LIFE INSURANCE POLICIES AND HOW THEY WORK…
WANT TO SEE THE NUMBERS?
If you’re a number-crunching nerd, or if you’re just curious about the technical details and want to see how life insurance works “under the hood,” then dive into our unique online life insurance calculator and analyzer tool.
Build a hypothetical life insurance policy and learn how it works… even if you know nothing about spreadsheets or finance. Design a life insurance, savings, and investment strategy and see — in real time — how each component affects the other.
THE TRUTH ABOUT INVESTMENT RETURNS
How much can you really earn on your savings, anyway? How are investment returns calculated, and why?
What kind of return should you expect if you invest in index funds versus actively managed mutual funds? What is the average return of most investors and… why do they earn those returns?
This supplemental section simplifies an inherently complex topic and helps you set appropriate expectations for how much you can realistically earn on your savings, based on current research.
This information may help you determine how much life insurance you should buy if investments are part of your financial plan.