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Stock Market Analysis and Personal Finance. Mr. Bernstein Disability and Life Insurance , pp 460-471 June 11 , 2013. Stock Market Analysis & Personal Finance Mr. Bernstein. Disability Insurance Worker’s Compensation is provided by employers according to state laws

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stock market analysis and personal finance

Stock Market Analysis and Personal Finance

Mr. Bernstein

Disability and Life Insurance,

pp460-471

June 11, 2013

stock market analysis personal finance mr bernstein
Stock Market Analysis & Personal Finance Mr. Bernstein

Disability Insurance

Worker’s Compensation is provided by employers according to state laws

Employers may provide additional disability insurance as a benefit or may arrange discounted group rates

US Government’s Social Security program

Privately companies (ie AFLAC, Unum, others)

stock market analysis personal finance mr bernstein1
Stock Market Analysis & Personal Finance Mr. Bernstein

Determining Disability Insurance Needs

Project future expenses

Assess current coverage

Consider:

Amount of Benefits (of course)

Duration of Benefits

Waiting Period

Guarantee of Renewability

Then buy it as part of your risk management policy

stock market analysis personal finance mr bernstein2
Stock Market Analysis & Personal Finance Mr. Bernstein

Life Insurance Basics

Protect those who depend on your income

Pay for end-of-life costs and estate taxes

We don’t know who will die young and who will live to be 100…so life insurance is based on the principle of pooling risks, just as home fire insurance or automobile driving liability insurance

Rates are therefore based on estimates of life expectancy of age, gender and lifestyle groups

stock market analysis personal finance mr bernstein3
Stock Market Analysis & Personal Finance Mr. Bernstein

Types of Life Insurance Policies

Term policies cover an individual for a time period (ie 10 years) and pay a stated sum upon death

Whole Life policies are permanent policies in which preset premiums are charged each year until death and a stated sum is paid upon death

Whole Life policies are a saving vehicle in that if you cancel the policy before death you receive a cash value