Retirement life insurance :: how much is needed to optimize retirement spending /
Annotation
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Boston, [Massachusetts] ; Heidelberg, [Germany] :
De Gruyter,
2017.
|
| Schlagworte: | |
| Online-Zugang: | Volltext |
| Zusammenfassung: | Annotation |
| Beschreibung: | 1 online resource (220 pages) : illustrations. |
| Bibliographie: | Includes bibliographical references and index. |
| ISBN: | 1501506188 9781501506185 9781501506307 1501506307 9781501506192 1501506196 |
Internformat
MARC
| LEADER | 00000cam a2200000Mi 4500 | ||
|---|---|---|---|
| 001 | ZDB-4-EBA-on1018114454 | ||
| 003 | OCoLC | ||
| 005 | 20241004212047.0 | ||
| 006 | m d | ||
| 007 | cr ||||||||||| | ||
| 008 | 171220t20172017maua o 001 0 eng d | ||
| 010 | |a 2018469555 | ||
| 040 | |a IDEBK |b eng |e rda |c IDEBK |d OCLCF |d OCLCO |d N$T |d LOA |d UMI |d G3B |d IGB |d STF |d COCUF |d YDX |d UKAHL |d OL$ |d UX1 |d QGK |d OCLCO |d OCLCQ |d OCLCO |d SFB |d OCLCL | ||
| 019 | |a 1020288763 |a 1241778904 | ||
| 020 | |a 1501506188 |q (ebk) | ||
| 020 | |a 9781501506185 |q (electronic bk.) | ||
| 020 | |z 1501506307 | ||
| 020 | |z 1501515128 | ||
| 020 | |z 1501506196 | ||
| 020 | |a 9781501506307 | ||
| 020 | |a 1501506307 | ||
| 020 | |z 9781501515125 | ||
| 020 | |a 9781501506192 | ||
| 020 | |a 1501506196 | ||
| 024 | 7 | |a 10.1515/9781501506185 |2 doi | |
| 035 | |a (OCoLC)1018114454 |z (OCoLC)1020288763 |z (OCoLC)1241778904 | ||
| 037 | |a 1050170 |b MIL | ||
| 050 | 4 | |a HQ1062 | |
| 072 | 7 | |a BUS |x 027000 |2 bisacsh | |
| 082 | 7 | |a 332.024014 |2 23 | |
| 049 | |a MAIN | ||
| 100 | 1 | |a Heller, Steven, |e author. | |
| 245 | 1 | 0 | |a Retirement life insurance : |b how much is needed to optimize retirement spending / |c Steve Heller. |
| 264 | 1 | |a Boston, [Massachusetts] ; |a Heidelberg, [Germany] : |b De Gruyter, |c 2017. | |
| 264 | 4 | |c ß2017 | |
| 300 | |a 1 online resource (220 pages) : |b illustrations. | ||
| 336 | |a text |b txt |2 rdacontent | ||
| 337 | |a computer |b c |2 rdamedia | ||
| 338 | |a online resource |b cr |2 rdacarrier | ||
| 504 | |a Includes bibliographical references and index. | ||
| 520 | 8 | |a Annotation |b Do your clients have any idea of what they can/should spend in retirement? Do they know what they need to do to optimize their retirement spending? How can you protect a spouse from the drop in social security if a client dies early? Why is it likely that buying insurance or buying a fixed annuity can dramatically increase the level of your client's spending--even if your customer is already retired? What if you could show your client exactly what the impact would be and at what level they would need to buy to achieve a certain level of spending? How can buying a fixed annuity be a hedge against term life expiration and what level is required? When should your client start taking social security? What can your client spend now and how much can that improve if they purchase insurance or an annuity from you?All these questions and more are answered in this book and in the free software that accompanies this book. The software, though more complex than most end users would care to learn, offers you the opportunity to load in customer financial data and give them results that will calculate various options. The amazing and counter-intuitive part is that it is highly likely that most individuals can see their monthly spending capability go up dramatically by buying insurance and/or buying a fixed annuity and the software enables you to zero in on the desired level.Even though life insurance is an old, established financial product, and annuities are even older, there is one enormous market that has been overlooked: the market for additional retirement funds for a surviving spouse and replacement of Social Security payments that are lost after the death of a spouse. This book explains how to address this market, and includes instructions and a license for software that illustrates how insurance and annuities can increase sustainable spending in retirement.Most people have no idea how much they can really spend in retirement. Many are living frugal lives spending their social security while "saving for a rainy day." They buy life insurance in batches of tens thousands of dollars because it sounds good or what they think they can afford. Almost no one would believe that buying "expensive" life insurance after age 60 actually can free them to spend MUCH more on a monthly basis. Furthermore, no one is looking at an optimum return on the investment based on a certain level of potential spending. Until now. This book, and the accompanying software enable you, the life agent, to input the customer data and come up with a plan for your customer and provide proof that the plan will work for them.The book explains what goes into making these calculations, why they work the way they do and gives various case studies that quite often show that buying term insurance or buying an annuity after retirement can be great investments for them. We think your customers will be convinced. There are detailed instructions as to use of the software that accompanies the book with built in case studies that you can use. But even more importantly, you can input a customer's data and provide them with options and actually show them the benefits or give them the solutions that they would otherwise not know exist. These solutions will be invaluable to your business and offer you a distinct advantage over competition that are not selling in this manner. | |
| 505 | 0 | 0 | |t Frontmatter -- |t Advance Praise -- |t Acknowledgments -- |t Contents -- |t Preface -- |t Chapter 1: The Retirement Crisis in Brief -- |t Chapter 2: A New Use for Life Insurance -- |t Chapter 3: A Visit with the Financial Planner -- |t Chapter 4: Another Visit with the Financial Planner -- |t Chapter 5: The Withdrawal Source Section of the Spreadsheet -- |t Chapter 6: Cash, Taxes, and Insurance Premiums The Next Day... -- |t Chapter 7: Calculating Sustainable Retirement Spending -- |t Chapter 8: Adding an Annuity -- |t Chapter 9: Can an Annuity Improve Sustainable Retirement Spending? -- |t Appendix A: Reference Manual for the Gui Interface of the Rhino Retirement Analyzer V1.0, Basic Mode -- |t Appendix B: Reference Manual for the GUI for the Rhino Retirement Analyzer v1.0, Expert Mode -- |t Appendix C: Tutorial for the Scripting Language and Command-Line Interface of the Rhino Retirement Analyzer v1.0 -- |t Appendix D: The Market for Retirement Spending Optimization -- |t Appendix E: The Genesis of the Rhino Retirement Analyzer (and this Book) -- |t Appendix F: What is Included, What is Excluded, and Known Limitations of the Program -- |t Index |
| 546 | |a In English. | ||
| 650 | 0 | |a Retirement |x Planning. |0 http://id.loc.gov/authorities/subjects/sh94006885 | |
| 650 | 6 | |a Retraite |x Planification. | |
| 650 | 7 | |a BUSINESS & ECONOMICS / Finance |2 bisacsh | |
| 650 | 7 | |a Retirement |x Planning |2 fast | |
| 653 | |a Annuities. | ||
| 653 | |a Financial planning. | ||
| 653 | |a Insurance. | ||
| 653 | |a Retirement planning. | ||
| 653 | |a Social security. | ||
| 758 | |i has work: |a Retirement life insurance (Text) |1 https://id.oclc.org/worldcat/entity/E39PCH86KPmthyhRM88mQwp7H3 |4 https://id.oclc.org/worldcat/ontology/hasWork | ||
| 776 | |z 1-5015-1512-8 | ||
| 776 | |z 1-5015-0618-8 | ||
| 856 | 4 | 0 | |l FWS01 |p ZDB-4-EBA |q FWS_PDA_EBA |u https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1637020 |3 Volltext |
| 938 | |a Askews and Holts Library Services |b ASKH |n AH32847318 | ||
| 938 | |a Askews and Holts Library Services |b ASKH |n AH35067602 | ||
| 938 | |a YBP Library Services |b YANK |n 16185968 | ||
| 938 | |a ProQuest MyiLibrary Digital eBook Collection |b IDEB |n cis37513113 | ||
| 938 | |a EBSCOhost |b EBSC |n 1637020 | ||
| 994 | |a 92 |b GEBAY | ||
| 912 | |a ZDB-4-EBA | ||
| 049 | |a DE-863 | ||
Datensatz im Suchindex
| DE-BY-FWS_katkey | ZDB-4-EBA-on1018114454 |
|---|---|
| _version_ | 1816882409707143169 |
| adam_text | |
| any_adam_object | |
| author | Heller, Steven |
| author_facet | Heller, Steven |
| author_role | aut |
| author_sort | Heller, Steven |
| author_variant | s h sh |
| building | Verbundindex |
| bvnumber | localFWS |
| callnumber-first | H - Social Science |
| callnumber-label | HQ1062 |
| callnumber-raw | HQ1062 |
| callnumber-search | HQ1062 |
| callnumber-sort | HQ 41062 |
| callnumber-subject | HQ - Family, Marriage, Women |
| collection | ZDB-4-EBA |
| contents | Frontmatter -- Advance Praise -- Acknowledgments -- Contents -- Preface -- Chapter 1: The Retirement Crisis in Brief -- Chapter 2: A New Use for Life Insurance -- Chapter 3: A Visit with the Financial Planner -- Chapter 4: Another Visit with the Financial Planner -- Chapter 5: The Withdrawal Source Section of the Spreadsheet -- Chapter 6: Cash, Taxes, and Insurance Premiums The Next Day... -- Chapter 7: Calculating Sustainable Retirement Spending -- Chapter 8: Adding an Annuity -- Chapter 9: Can an Annuity Improve Sustainable Retirement Spending? -- Appendix A: Reference Manual for the Gui Interface of the Rhino Retirement Analyzer V1.0, Basic Mode -- Appendix B: Reference Manual for the GUI for the Rhino Retirement Analyzer v1.0, Expert Mode -- Appendix C: Tutorial for the Scripting Language and Command-Line Interface of the Rhino Retirement Analyzer v1.0 -- Appendix D: The Market for Retirement Spending Optimization -- Appendix E: The Genesis of the Rhino Retirement Analyzer (and this Book) -- Appendix F: What is Included, What is Excluded, and Known Limitations of the Program -- Index |
| ctrlnum | (OCoLC)1018114454 |
| dewey-full | 332.024014 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 332 - Financial economics |
| dewey-raw | 332.024014 |
| dewey-search | 332.024014 |
| dewey-sort | 3332.024014 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| format | Electronic eBook |
| fullrecord | <?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim"><record><leader>07135cam a2200709Mi 4500</leader><controlfield tag="001">ZDB-4-EBA-on1018114454</controlfield><controlfield tag="003">OCoLC</controlfield><controlfield tag="005">20241004212047.0</controlfield><controlfield tag="006">m d </controlfield><controlfield tag="007">cr |||||||||||</controlfield><controlfield tag="008">171220t20172017maua o 001 0 eng d</controlfield><datafield tag="010" ind1=" " ind2=" "><subfield code="a"> 2018469555</subfield></datafield><datafield tag="040" ind1=" " ind2=" "><subfield code="a">IDEBK</subfield><subfield code="b">eng</subfield><subfield code="e">rda</subfield><subfield code="c">IDEBK</subfield><subfield code="d">OCLCF</subfield><subfield code="d">OCLCO</subfield><subfield code="d">N$T</subfield><subfield code="d">LOA</subfield><subfield code="d">UMI</subfield><subfield code="d">G3B</subfield><subfield code="d">IGB</subfield><subfield code="d">STF</subfield><subfield code="d">COCUF</subfield><subfield code="d">YDX</subfield><subfield code="d">UKAHL</subfield><subfield code="d">OL$</subfield><subfield code="d">UX1</subfield><subfield code="d">QGK</subfield><subfield code="d">OCLCO</subfield><subfield code="d">OCLCQ</subfield><subfield code="d">OCLCO</subfield><subfield code="d">SFB</subfield><subfield code="d">OCLCL</subfield></datafield><datafield tag="019" ind1=" " ind2=" "><subfield code="a">1020288763</subfield><subfield code="a">1241778904</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">1501506188</subfield><subfield code="q">(ebk)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">9781501506185</subfield><subfield code="q">(electronic bk.)</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="z">1501506307</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="z">1501515128</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="z">1501506196</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">9781501506307</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">1501506307</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="z">9781501515125</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">9781501506192</subfield></datafield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">1501506196</subfield></datafield><datafield tag="024" ind1="7" ind2=" "><subfield code="a">10.1515/9781501506185</subfield><subfield code="2">doi</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(OCoLC)1018114454</subfield><subfield code="z">(OCoLC)1020288763</subfield><subfield code="z">(OCoLC)1241778904</subfield></datafield><datafield tag="037" ind1=" " ind2=" "><subfield code="a">1050170</subfield><subfield code="b">MIL</subfield></datafield><datafield tag="050" ind1=" " ind2="4"><subfield code="a">HQ1062</subfield></datafield><datafield tag="072" ind1=" " ind2="7"><subfield code="a">BUS</subfield><subfield code="x">027000</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="082" ind1="7" ind2=" "><subfield code="a">332.024014</subfield><subfield code="2">23</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">MAIN</subfield></datafield><datafield tag="100" ind1="1" ind2=" "><subfield code="a">Heller, Steven,</subfield><subfield code="e">author.</subfield></datafield><datafield tag="245" ind1="1" ind2="0"><subfield code="a">Retirement life insurance :</subfield><subfield code="b">how much is needed to optimize retirement spending /</subfield><subfield code="c">Steve Heller.</subfield></datafield><datafield tag="264" ind1=" " ind2="1"><subfield code="a">Boston, [Massachusetts] ;</subfield><subfield code="a">Heidelberg, [Germany] :</subfield><subfield code="b">De Gruyter,</subfield><subfield code="c">2017.</subfield></datafield><datafield tag="264" ind1=" " ind2="4"><subfield code="c">ß2017</subfield></datafield><datafield tag="300" ind1=" " ind2=" "><subfield code="a">1 online resource (220 pages) :</subfield><subfield code="b">illustrations.</subfield></datafield><datafield tag="336" ind1=" " ind2=" "><subfield code="a">text</subfield><subfield code="b">txt</subfield><subfield code="2">rdacontent</subfield></datafield><datafield tag="337" ind1=" " ind2=" "><subfield code="a">computer</subfield><subfield code="b">c</subfield><subfield code="2">rdamedia</subfield></datafield><datafield tag="338" ind1=" " ind2=" "><subfield code="a">online resource</subfield><subfield code="b">cr</subfield><subfield code="2">rdacarrier</subfield></datafield><datafield tag="504" ind1=" " ind2=" "><subfield code="a">Includes bibliographical references and index.</subfield></datafield><datafield tag="520" ind1="8" ind2=" "><subfield code="a">Annotation</subfield><subfield code="b">Do your clients have any idea of what they can/should spend in retirement? Do they know what they need to do to optimize their retirement spending? How can you protect a spouse from the drop in social security if a client dies early? Why is it likely that buying insurance or buying a fixed annuity can dramatically increase the level of your client's spending--even if your customer is already retired? What if you could show your client exactly what the impact would be and at what level they would need to buy to achieve a certain level of spending? How can buying a fixed annuity be a hedge against term life expiration and what level is required? When should your client start taking social security? What can your client spend now and how much can that improve if they purchase insurance or an annuity from you?All these questions and more are answered in this book and in the free software that accompanies this book. The software, though more complex than most end users would care to learn, offers you the opportunity to load in customer financial data and give them results that will calculate various options. The amazing and counter-intuitive part is that it is highly likely that most individuals can see their monthly spending capability go up dramatically by buying insurance and/or buying a fixed annuity and the software enables you to zero in on the desired level.Even though life insurance is an old, established financial product, and annuities are even older, there is one enormous market that has been overlooked: the market for additional retirement funds for a surviving spouse and replacement of Social Security payments that are lost after the death of a spouse. This book explains how to address this market, and includes instructions and a license for software that illustrates how insurance and annuities can increase sustainable spending in retirement.Most people have no idea how much they can really spend in retirement. Many are living frugal lives spending their social security while "saving for a rainy day." They buy life insurance in batches of tens thousands of dollars because it sounds good or what they think they can afford. Almost no one would believe that buying "expensive" life insurance after age 60 actually can free them to spend MUCH more on a monthly basis. Furthermore, no one is looking at an optimum return on the investment based on a certain level of potential spending. Until now. This book, and the accompanying software enable you, the life agent, to input the customer data and come up with a plan for your customer and provide proof that the plan will work for them.The book explains what goes into making these calculations, why they work the way they do and gives various case studies that quite often show that buying term insurance or buying an annuity after retirement can be great investments for them. We think your customers will be convinced. There are detailed instructions as to use of the software that accompanies the book with built in case studies that you can use. But even more importantly, you can input a customer's data and provide them with options and actually show them the benefits or give them the solutions that they would otherwise not know exist. These solutions will be invaluable to your business and offer you a distinct advantage over competition that are not selling in this manner.</subfield></datafield><datafield tag="505" ind1="0" ind2="0"><subfield code="t">Frontmatter --</subfield><subfield code="t">Advance Praise --</subfield><subfield code="t">Acknowledgments --</subfield><subfield code="t">Contents --</subfield><subfield code="t">Preface --</subfield><subfield code="t">Chapter 1: The Retirement Crisis in Brief --</subfield><subfield code="t">Chapter 2: A New Use for Life Insurance --</subfield><subfield code="t">Chapter 3: A Visit with the Financial Planner --</subfield><subfield code="t">Chapter 4: Another Visit with the Financial Planner --</subfield><subfield code="t">Chapter 5: The Withdrawal Source Section of the Spreadsheet --</subfield><subfield code="t">Chapter 6: Cash, Taxes, and Insurance Premiums The Next Day... --</subfield><subfield code="t">Chapter 7: Calculating Sustainable Retirement Spending --</subfield><subfield code="t">Chapter 8: Adding an Annuity --</subfield><subfield code="t">Chapter 9: Can an Annuity Improve Sustainable Retirement Spending? --</subfield><subfield code="t">Appendix A: Reference Manual for the Gui Interface of the Rhino Retirement Analyzer V1.0, Basic Mode --</subfield><subfield code="t">Appendix B: Reference Manual for the GUI for the Rhino Retirement Analyzer v1.0, Expert Mode --</subfield><subfield code="t">Appendix C: Tutorial for the Scripting Language and Command-Line Interface of the Rhino Retirement Analyzer v1.0 --</subfield><subfield code="t">Appendix D: The Market for Retirement Spending Optimization --</subfield><subfield code="t">Appendix E: The Genesis of the Rhino Retirement Analyzer (and this Book) --</subfield><subfield code="t">Appendix F: What is Included, What is Excluded, and Known Limitations of the Program --</subfield><subfield code="t">Index</subfield></datafield><datafield tag="546" ind1=" " ind2=" "><subfield code="a">In English.</subfield></datafield><datafield tag="650" ind1=" " ind2="0"><subfield code="a">Retirement</subfield><subfield code="x">Planning.</subfield><subfield code="0">http://id.loc.gov/authorities/subjects/sh94006885</subfield></datafield><datafield tag="650" ind1=" " ind2="6"><subfield code="a">Retraite</subfield><subfield code="x">Planification.</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">BUSINESS & ECONOMICS / Finance</subfield><subfield code="2">bisacsh</subfield></datafield><datafield tag="650" ind1=" " ind2="7"><subfield code="a">Retirement</subfield><subfield code="x">Planning</subfield><subfield code="2">fast</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Annuities.</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Financial planning.</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Insurance.</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Retirement planning.</subfield></datafield><datafield tag="653" ind1=" " ind2=" "><subfield code="a">Social security.</subfield></datafield><datafield tag="758" ind1=" " ind2=" "><subfield code="i">has work:</subfield><subfield code="a">Retirement life insurance (Text)</subfield><subfield code="1">https://id.oclc.org/worldcat/entity/E39PCH86KPmthyhRM88mQwp7H3</subfield><subfield code="4">https://id.oclc.org/worldcat/ontology/hasWork</subfield></datafield><datafield tag="776" ind1=" " ind2=" "><subfield code="z">1-5015-1512-8</subfield></datafield><datafield tag="776" ind1=" " ind2=" "><subfield code="z">1-5015-0618-8</subfield></datafield><datafield tag="856" ind1="4" ind2="0"><subfield code="l">FWS01</subfield><subfield code="p">ZDB-4-EBA</subfield><subfield code="q">FWS_PDA_EBA</subfield><subfield code="u">https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1637020</subfield><subfield code="3">Volltext</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">Askews and Holts Library Services</subfield><subfield code="b">ASKH</subfield><subfield code="n">AH32847318</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">Askews and Holts Library Services</subfield><subfield code="b">ASKH</subfield><subfield code="n">AH35067602</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">YBP Library Services</subfield><subfield code="b">YANK</subfield><subfield code="n">16185968</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">ProQuest MyiLibrary Digital eBook Collection</subfield><subfield code="b">IDEB</subfield><subfield code="n">cis37513113</subfield></datafield><datafield tag="938" ind1=" " ind2=" "><subfield code="a">EBSCOhost</subfield><subfield code="b">EBSC</subfield><subfield code="n">1637020</subfield></datafield><datafield tag="994" ind1=" " ind2=" "><subfield code="a">92</subfield><subfield code="b">GEBAY</subfield></datafield><datafield tag="912" ind1=" " ind2=" "><subfield code="a">ZDB-4-EBA</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">DE-863</subfield></datafield></record></collection> |
| id | ZDB-4-EBA-on1018114454 |
| illustrated | Illustrated |
| indexdate | 2024-11-27T13:28:09Z |
| institution | BVB |
| isbn | 1501506188 9781501506185 9781501506307 1501506307 9781501506192 1501506196 |
| language | English |
| lccn | 2018469555 |
| oclc_num | 1018114454 |
| open_access_boolean | |
| owner | MAIN DE-863 DE-BY-FWS |
| owner_facet | MAIN DE-863 DE-BY-FWS |
| physical | 1 online resource (220 pages) : illustrations. |
| psigel | ZDB-4-EBA |
| publishDate | 2017 |
| publishDateSearch | 2017 |
| publishDateSort | 2017 |
| publisher | De Gruyter, |
| record_format | marc |
| spelling | Heller, Steven, author. Retirement life insurance : how much is needed to optimize retirement spending / Steve Heller. Boston, [Massachusetts] ; Heidelberg, [Germany] : De Gruyter, 2017. ß2017 1 online resource (220 pages) : illustrations. text txt rdacontent computer c rdamedia online resource cr rdacarrier Includes bibliographical references and index. Annotation Do your clients have any idea of what they can/should spend in retirement? Do they know what they need to do to optimize their retirement spending? How can you protect a spouse from the drop in social security if a client dies early? Why is it likely that buying insurance or buying a fixed annuity can dramatically increase the level of your client's spending--even if your customer is already retired? What if you could show your client exactly what the impact would be and at what level they would need to buy to achieve a certain level of spending? How can buying a fixed annuity be a hedge against term life expiration and what level is required? When should your client start taking social security? What can your client spend now and how much can that improve if they purchase insurance or an annuity from you?All these questions and more are answered in this book and in the free software that accompanies this book. The software, though more complex than most end users would care to learn, offers you the opportunity to load in customer financial data and give them results that will calculate various options. The amazing and counter-intuitive part is that it is highly likely that most individuals can see their monthly spending capability go up dramatically by buying insurance and/or buying a fixed annuity and the software enables you to zero in on the desired level.Even though life insurance is an old, established financial product, and annuities are even older, there is one enormous market that has been overlooked: the market for additional retirement funds for a surviving spouse and replacement of Social Security payments that are lost after the death of a spouse. This book explains how to address this market, and includes instructions and a license for software that illustrates how insurance and annuities can increase sustainable spending in retirement.Most people have no idea how much they can really spend in retirement. Many are living frugal lives spending their social security while "saving for a rainy day." They buy life insurance in batches of tens thousands of dollars because it sounds good or what they think they can afford. Almost no one would believe that buying "expensive" life insurance after age 60 actually can free them to spend MUCH more on a monthly basis. Furthermore, no one is looking at an optimum return on the investment based on a certain level of potential spending. Until now. This book, and the accompanying software enable you, the life agent, to input the customer data and come up with a plan for your customer and provide proof that the plan will work for them.The book explains what goes into making these calculations, why they work the way they do and gives various case studies that quite often show that buying term insurance or buying an annuity after retirement can be great investments for them. We think your customers will be convinced. There are detailed instructions as to use of the software that accompanies the book with built in case studies that you can use. But even more importantly, you can input a customer's data and provide them with options and actually show them the benefits or give them the solutions that they would otherwise not know exist. These solutions will be invaluable to your business and offer you a distinct advantage over competition that are not selling in this manner. Frontmatter -- Advance Praise -- Acknowledgments -- Contents -- Preface -- Chapter 1: The Retirement Crisis in Brief -- Chapter 2: A New Use for Life Insurance -- Chapter 3: A Visit with the Financial Planner -- Chapter 4: Another Visit with the Financial Planner -- Chapter 5: The Withdrawal Source Section of the Spreadsheet -- Chapter 6: Cash, Taxes, and Insurance Premiums The Next Day... -- Chapter 7: Calculating Sustainable Retirement Spending -- Chapter 8: Adding an Annuity -- Chapter 9: Can an Annuity Improve Sustainable Retirement Spending? -- Appendix A: Reference Manual for the Gui Interface of the Rhino Retirement Analyzer V1.0, Basic Mode -- Appendix B: Reference Manual for the GUI for the Rhino Retirement Analyzer v1.0, Expert Mode -- Appendix C: Tutorial for the Scripting Language and Command-Line Interface of the Rhino Retirement Analyzer v1.0 -- Appendix D: The Market for Retirement Spending Optimization -- Appendix E: The Genesis of the Rhino Retirement Analyzer (and this Book) -- Appendix F: What is Included, What is Excluded, and Known Limitations of the Program -- Index In English. Retirement Planning. http://id.loc.gov/authorities/subjects/sh94006885 Retraite Planification. BUSINESS & ECONOMICS / Finance bisacsh Retirement Planning fast Annuities. Financial planning. Insurance. Retirement planning. Social security. has work: Retirement life insurance (Text) https://id.oclc.org/worldcat/entity/E39PCH86KPmthyhRM88mQwp7H3 https://id.oclc.org/worldcat/ontology/hasWork 1-5015-1512-8 1-5015-0618-8 FWS01 ZDB-4-EBA FWS_PDA_EBA https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1637020 Volltext |
| spellingShingle | Heller, Steven Retirement life insurance : how much is needed to optimize retirement spending / Frontmatter -- Advance Praise -- Acknowledgments -- Contents -- Preface -- Chapter 1: The Retirement Crisis in Brief -- Chapter 2: A New Use for Life Insurance -- Chapter 3: A Visit with the Financial Planner -- Chapter 4: Another Visit with the Financial Planner -- Chapter 5: The Withdrawal Source Section of the Spreadsheet -- Chapter 6: Cash, Taxes, and Insurance Premiums The Next Day... -- Chapter 7: Calculating Sustainable Retirement Spending -- Chapter 8: Adding an Annuity -- Chapter 9: Can an Annuity Improve Sustainable Retirement Spending? -- Appendix A: Reference Manual for the Gui Interface of the Rhino Retirement Analyzer V1.0, Basic Mode -- Appendix B: Reference Manual for the GUI for the Rhino Retirement Analyzer v1.0, Expert Mode -- Appendix C: Tutorial for the Scripting Language and Command-Line Interface of the Rhino Retirement Analyzer v1.0 -- Appendix D: The Market for Retirement Spending Optimization -- Appendix E: The Genesis of the Rhino Retirement Analyzer (and this Book) -- Appendix F: What is Included, What is Excluded, and Known Limitations of the Program -- Index Retirement Planning. http://id.loc.gov/authorities/subjects/sh94006885 Retraite Planification. BUSINESS & ECONOMICS / Finance bisacsh Retirement Planning fast |
| subject_GND | http://id.loc.gov/authorities/subjects/sh94006885 |
| title | Retirement life insurance : how much is needed to optimize retirement spending / |
| title_alt | Frontmatter -- Advance Praise -- Acknowledgments -- Contents -- Preface -- Chapter 1: The Retirement Crisis in Brief -- Chapter 2: A New Use for Life Insurance -- Chapter 3: A Visit with the Financial Planner -- Chapter 4: Another Visit with the Financial Planner -- Chapter 5: The Withdrawal Source Section of the Spreadsheet -- Chapter 6: Cash, Taxes, and Insurance Premiums The Next Day... -- Chapter 7: Calculating Sustainable Retirement Spending -- Chapter 8: Adding an Annuity -- Chapter 9: Can an Annuity Improve Sustainable Retirement Spending? -- Appendix A: Reference Manual for the Gui Interface of the Rhino Retirement Analyzer V1.0, Basic Mode -- Appendix B: Reference Manual for the GUI for the Rhino Retirement Analyzer v1.0, Expert Mode -- Appendix C: Tutorial for the Scripting Language and Command-Line Interface of the Rhino Retirement Analyzer v1.0 -- Appendix D: The Market for Retirement Spending Optimization -- Appendix E: The Genesis of the Rhino Retirement Analyzer (and this Book) -- Appendix F: What is Included, What is Excluded, and Known Limitations of the Program -- Index |
| title_auth | Retirement life insurance : how much is needed to optimize retirement spending / |
| title_exact_search | Retirement life insurance : how much is needed to optimize retirement spending / |
| title_full | Retirement life insurance : how much is needed to optimize retirement spending / Steve Heller. |
| title_fullStr | Retirement life insurance : how much is needed to optimize retirement spending / Steve Heller. |
| title_full_unstemmed | Retirement life insurance : how much is needed to optimize retirement spending / Steve Heller. |
| title_short | Retirement life insurance : |
| title_sort | retirement life insurance how much is needed to optimize retirement spending |
| title_sub | how much is needed to optimize retirement spending / |
| topic | Retirement Planning. http://id.loc.gov/authorities/subjects/sh94006885 Retraite Planification. BUSINESS & ECONOMICS / Finance bisacsh Retirement Planning fast |
| topic_facet | Retirement Planning. Retraite Planification. BUSINESS & ECONOMICS / Finance Retirement Planning |
| url | https://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&AN=1637020 |
| work_keys_str_mv | AT hellersteven retirementlifeinsurancehowmuchisneededtooptimizeretirementspending |