Description

---

Most people have no understanding of today's life insurance products and the valuable benefits they have to offer. In most cases, people don't fully understand how to protect themselves against the financial risks they face using life insurance. They are not informed about how life insurance can help protect their financial futures and the process of purchasing life insurance. This book walks the reader through the entire process in an easy to understand manner.

The book walks the reader through:

Why Buy Life Insurance?
What is Life Insurance?
How Much Protection Should I Buy?
Life Insurance Product Types
The Core Benefits of Life Insurance
Misunderstood Tax Benefits
The Major Positives and Negatives
Where to Buy
The Buying Process
The Financial Strength of Life Insurance Companies
Your Next Steps

In addition, the book provides easy to use resource checklists to help the reader.

This book is part of the FinancialVerse book series. These books present in a straight forward, easy to read style - what the reader can expect at each stage of their financial lives and offers ideas and resources to assist decision making. The FinancialVerse as author Harry Stout writes is made up of the knowledge, decisions, resources, risks, and tools that an individual encounters in life's financial journey. Each book has been written to help people reduce their levels of financial anxiety and stress.

Authored by financial services leader Harry N. Stout, the FinancialVerse series provides a much needed roadmap of what to expect in our financial lives. This starts in our Adulting Stage, to working in the Striving Stage to the final or Fulfilling Stage of later life. Harry acts as your guide and spells out, in a very understandable way, what the risks, opportunities and key decisions the reader will need to make as they move through each stage. He explores what it is like to make decisions influenced by today's technology, economic trends, and work opportunities.

Harry believes that most people, regardless of their family's economic background and level of education, do not fundamentally understand the key financial decisions and risks they will face in life. He believes improved financial education and literacy are needed as our lives become increasing more complex driven by technological innovation.

The FinancialVerse - Today's Life Insurance - A Protection Tool for Your Future is an excellent reference work to help you though the misunderstood world of life insurance.

About the Author

---

Harry N. Stout is an acknowledged senior leader in the global financial services business. He has spent over 20 years in the life insurance business as a CEO, President, Chief Marketing Officer, Investor or Board member for life insurance companies and distribution organizations. He has particular expertise in life insurance, personal finance, annuities, product innovation, and business management. He has over 30 years of financial services industry experience in the U.S. and abroad, working in Europe, Northern Asia, Africa, New Zealand, and Australia.

He has been a governance fellow with the National Association of Corporate Directors. He is a past director of the Life Insurance Marketing and Research Association (LIMRA), the National Association for Fixed Annuities (NAFA), the Financial Services Council of Australia, the Insurance Marketplace Standards Association.
?
His over 25 years of U.S. business experience includes serving as for over a decade with Fidelity & Guaranty Life Insurance Company as Chief Executive Officer and President as well as holding key senior leadership roles for its parent companies USF&G Corporation, Travelers Corporation, and Old Mutual U.S. Holdings, Inc. He was also President of Voya's U.S. Retail Annuity Business Group, where he directed the fixed, indexed, and variable annuity businesses. He has also been a corporate officer or Board member of several financial advice and insurance marketing organizations. Harry, a Certified Public Accountant by training, began his career in public accounting with KPMG where he spent 10 years working primarily with multi-national enterprises.
?
Harry's experience also includes serving as Managing Director of Investments and Insurance with Australia and New Zealand Bank (ANZ), where he was based in Sydney and ran the Australian life insurance, investment, retirement services, general insurance and advice businesses for this large regional Australasian bank. During his time in Australia, he was also Managing Director and Chief Executive Officer of ING's Australian insurance, advice, investment, and retirement services businesses.
?
Harry is a nationally known speaker and author on personal financial management, life insurance protection, and later in life saving and income planning using annuity products.