These are just a few questions you’ll find the answers to ... and how they’ll help you save (or even make money!) when it comes to certain insurance policies. Get the whole scoop and order your copy now! I’m guaranteed low premiums for 10 years, but what happens after the 10th year? You can find out how to make the most of these policies and what to do when the term runs out on page 44. “More and more companies have level term [insurance] and it is heavily marketed over television and the Internet ... Are these policies a good purchase? In my opinion, they are. But remember, they are a good choice for a term of time. They may be renewable to age 95 or 100 but the premiums can go very high after that guaranteed period.” My universal life policy earns me interest, but is it earned on all the money I pay? How do I find out? There’s more, like when does it make sense to simply buy term insurance and invest the difference or when is variable universal life a good purchase, on page 64. “Variable universal life is typically structured the same way as universal life. Part of your premium goes to term cost and administrative charges, and part goes to investment ... You may be charged up to 1.5% in administrative cost or even higher. This doesn’t sound like much until you move all of your money into more conservative investments that are only paying 3%! ... Many insurance companies do not publish their current rates for universal life and variable universal life. The best way to find out which company has the cheapest rates and/or other internal charges is to get proposals run for the same rate of return.” My agent recommended a fixed annuity, but how do I find out if a variable annuity might be better for me? You’ll read how to invest wisely in variable rate annuities on page 115. “Variable deferred annuities for all practical purposes have the same advantages and disadvantages as fixed rate annuities. They also have surrender charges like fised rate deferred annuities. However, if you invest wisely they will keep up with inflation. You might make a sizable amount of money ...” This Internet insurance policy looks good, but how do I know if it’s a scam? Finding out which rating company is best and which ratings are most important can protect you from a scam! You’ll get the answers on page 19. “Rating companies are one of the most reliable methods to selecting a life insurance company. However, they are not perfect and rating companies can fail to see the future. There have been a large number of companies that had excellent to superior ratings and have failed within a short few years. Examples of this were Executive Life and Confederation Life. Once they started to fall it was too late for most policy holders to do anything.” Other questions this book answers: How does group insurance work? What are the different types of term insurance? Which one is the best? What are the advantages and disadvantages of term insurance? Where is term insurance in universal life, variable universal life, and whole life? Should you buy term and invest the difference or buy universal life or variable universal life? How do they compare? What are annuities, how do they work, and which are available? Are annuities good investments and when should you buy them? From which company should you buy your insurance? How should you select an agent? Order your copy now!