"This exceptional book will be a trusted guide to accomplishing coverage and planning goals efficiently and effectively."
-- From the Preface by Donald O. Jansen and Lawrence Brody

Are you intimidated by life insurance? From questions about the amount and type of insurance coverage needed and the credit and investment risks involved to choosing a type of policy and carrier, the topic involves a multitude of issues and choices that can overwhelm the advisor. Yet it is an important planning vehicle: life insurance is a form of intangible personal property that can solve both personal and business needs and problems. In many cases, life insurance is the most effective and efficient option.

The many questions and issues involved with choosing life insurance are answered in plain and understandable language in Understanding Life Insurance and Rethinking Policy Management and Evaluation: Explaining the Unexplainable. Written by one of the leading authorities in the field, this accessible guide examines the critical topics of fiduciary risk management and the creditable evaluation of the nonguaranteed elements of life insurance, focusing in large part on flexible premium (universal life) products. Among the topics covered include:

• The building blocks of life insurance, including mortality charges, life expectancy, and the mathematics of term and permanent insurance
• Risks, advantages, and disadvantages of the various life insurance policies, including term, whole, universal, and variable life policies
• How to manage a policy after it is purchased
• Monitoring and evaluating policies--an essential but often overlooked aspect
• Practice-based guidelines and answers many questions about acquiring and managing life insurance to avoid a client crisis

• Guy E. Baker, MBA, MSFS, Ph.D., CLU, ChFC, CFP, AEP (Distinguished)
• Ben G. Baldwin, Jr., MSFS, MSM, CLU, ChFC, CFP, AEP (Distinguished)
• Jonathan G. Blattmachr, JD, AEP (Distinguished) and Marc A. Pasquale, CPA
• Christopher H. Hause, FSA, MAAA, CLU
• Donald O. Jansen, JD, LLM, AEP (Distinguished)
• Michael E. Kitces, MSFS, M.TAX, CFP, CLU, ChFC, RHU, REBC, CASL
• Martin M. Shenkman, CPA, MBA, PFS, JD, AEP (Distinguished)
• Charles M. "Mark" Whitelaw and E. Randolph Whitelaw, AEP (Distinguished)
• E. Randolph Whitelaw, AEP (Distinguished) and George P. Whitelaw