b>America's Life Insurance Crisis - Don't Buy Worthless Policies, br> Know why only 10% of life insurance owners NEVER WASTE THEIR MONEY ON LIFE INSURANCE. Know why 90% of life insurance owners ALWAYS WASTE THEIR MONEY ON LIFE INSURANCE. Only two facts separate the winners from the losers. In accurate, simple, easily understood language you know the few steps required. Immediately upon taking them, your place among the top 10% who REFUSE to waste tens of thousands of their after-tax lifetime income on a disappointing mystery is guaranteed. This book required forty years to write. Your choices: Own the little book containing everything you need to know about YOUR life insurance. Enjoy the simple, factual language explaining how to guarantee every dollar you pay for life insurance comes back home to your survivors, AND SO MUCH MORE! A chosen amount of life insurance is affordable for every key provider. Or don't care enough to own the book and WASTE from $10K to $100K and more of your after-tax lifetime income on a mystery trip to nowhere! The satisfaction of knowing you will NOT be found among America's 150M life insurance losers adds real quality to your life and to your most important people! ABOUT THE AUTHOR The author is in the top 1% of professional life insurance agents in America. He enjoyed mutually educational visits with over 30K people during his forty-two year career. He placed approximately $800M of life insurance protection on the lives of more than 5K clients. Many clients purchased several policies. Of each 100 new agents entering the life insurance profession, only 5 will survive the first 5 years! As it is difficult to find a seasoned, reputable, professional agent with more than ten years of experience serving clients, THIS LITTLE BOOK IS A MUST HAVE! You have of the practical LIFE INSURANCE EXPLANATIONS given by a highly successful 42 year veteran of the profession. Knowing this simple information and following the easy suggestions in this book brings COMFORT AND SATISFACTION! IT IS A GREAT BUY! ARMED WITH THIS INFORMATION YOU ARE NOT LIKELY TO BE FOUND AMONG THE NEAR 90% OF LIFE INSURANCE LOSERS.

The private health insurance industry is unable to provide nearly 40 million Americans with basic health care. Relying on data from a wide range of publications about this secretive industry, Lawrence D. Weiss investigates the causes of the industry's problems and analyzes the social effects of the growing crisis. The causes include excessive overhead costs, widespread inefficiency, and exemptions from antimonopoly regulations; the social effects include small businesses' inabilities to provide adequate coverage for their employees, the reluctance of many carriers to insure certain social groups, and the disproportionate burden on minorities. Addressing these dilemmas, Lawrence D. Weiss offers a timely and important analysis of the health insurance crisis in America.

Ed Kelly is on a mission to help American families. They are grossly underinsured with their current life insurance coverage, and something must be done about it, soon. In this book, Ed exposes the 10 myths that most consumers and their current advisors hold about life insurance. Once these myths are dispelled, then the mothers and fathers, husbands and wives, insurance agents and financial planners can all move on to address the truth about Time Diversification and Tax Diversification. This book is a call for Americans to take responsibility for themselves and the real risks we all face. While most people can think of only one reason to own life insurance (to provide money for a survivor), Ed shows there are actually 1000 reasons to own life insurance, from cradle to grave. Many of these are driven by the tax advantages inherent in a life insurance policy. His mission is to drive you to a better conversation and a better meeting with your financial professional. This book will help you see life insurance from a new philosophical and practical perspective.

When policy makers and researchers consider potential solutions to the crisis of uninsurance in the United States, the question of whether health insurance matters to health is often an issue. This question is far more than an academic concern. It is crucial that U.S. health care policy be informed with current and valid evidence on the consequences of uninsurance for health care and health outcomes, especially for the 45.7 million individuals without health insurance. From 2001 to 2004, the Institute of Medicine (IOM) issued six reports, which concluded that being uninsured was hazardous to people's health and recommended that the nation move quickly to implement a strategy to achieve health insurance coverage for all. The goal of this book is to inform the health reform policy debateâ€"in 2009â€"with an up-to-date assessment of the research evidence. This report addresses three key questions: What are the dynamics driving downward trends in health insurance coverage? Is being uninsured harmful to the health of children and adults? Are insured people affected by high rates of uninsurance in their communities?

In the complex, highly developed U.S. life insurance industry, regulation emphasizes prudence and solvency and does not inhibit competition and innovation. But because there are no satisfactory measures of efficiency and profitability, it is difficult to assess industry performance.

The authors paint a devastating portrait of the decline of health care in thecountry, told through the stories of various people's lives.

America’s Health Care Crisis Solved highlights the major pitfalls of our current health care system and shows why, without changes, health care costs will soon demolish the American economy as well as the opportunity to receive quality care. However, contrary to the increasingly popular idea of a government health plan, the alternative presented by authors J. Patrick Rooney and Dan Perrin brings the self-interest of you, the American consumer, into the equation.

The U.S. life and property/casualty (P/C) insurance industries wrote over $1 trillion in total premiums in 2011 and play an important role in ensuring the smooth functioning of the economy. Concerns about the oversight of the insurance industry arose during the 2007-2009 financial crisis, when one of the largest U.S. holding companies that had substantial insurance operations, American International Group, Inc. (AIG), suffered large losses. These losses were driven in large part by activities conducted by a non-insurance affiliate, AIG Financial Products, but also included securities lending activity undertaken by some of its life insurance companies which created liquidity issues for some insurers. The losses threatened to bankrupt the company, and AIG was one of the largest recipients of assistance by the Federal Reserve Bank of New York and the federal government under the Troubled Asset Relief Program (TARP) set up during the crisis. This book examines any effects of the financial crisis on the insurance industry and policyholders, and addresses what is known about how the financial crisis affected the insurance industry and policyholders, and the types of actions that have been taken since the crisis to help prevent or mitigate potential negative effects of future economic downturns on insurance companies and their policyholders.