Property And Casualty Insurance License Exam Cram (Exam Cram 2)
Price : $24.28
Product Description
If you are preparing for a career in property and casualty insurance, you need to pick up a copy of Property and Casualty Insurance License Exam Cram. You will quickly learn the concepts, laws, rate calculations and state and federal regulations that will be covered on the exam. You’ll also receive a CD that includes a fully-customizable test engine, detailed score report and state-specific law supplement. No matter where you are taking your exam or which area you need to focus on in your studies, Property and Casualty Insurance License Exam Cram is your smartest way to get certified.
Customer Reviews
Review date : 2008-08-30 
the best book you will ever need to pass the property & casualty. about the cd it has no problems what so ever i dont know why the other reviewers are complaining it worked fine with me.
Review date : 2008-07-29 
Very well written. The book takes the major concepts & explains them so that they are understandable - very helpful.
Review date : 2007-10-24
This book is a great key for the studies of property and casualty, the concepts are very clear and help you to have a better knowledge for pass the test.
Review date : 2007-05-16
I found this book very easy to read and full of great infornation. It broke down a lot of the topics so it was easier to understand than the required GA insurance class room book. The only draw back I found is that it will not give specific information on your State. Basically, I used this book to study for my exam and I passed the first time.
I had no problems with the CD and I do strongly recommend this book as a easy to comprehend study guide.
Review date : 2007-03-29 
Predicated upon the glowing description of the "Exam Cram Property and Casualty Insurance License Exam" test manual, I decided to purchase it to
augment other test guides in preparation for my upcoming Property/Casualty
Insurance Producer’s exam.
I have no complaint with the book itself; with the exception of no state-specific material, it seems fairly comprehensive.
I do, however, have a serious complaint about the CD-ROM Exam Simulator
which is inoperable, based upon an evaluation generated by the CD itself,
indicating that all but one of the .dll files had not been loaded.
I contacted Pearson’s (the publisher’s) Customer Service department, and
was given several different options, one of which was to send (1) the original receipt from Amazon (fortunately, I made copies); (2) a Xerox of the back cover, showing the ISBN number; and (3) my name, address, and
phone number.
Trustingly, I sent these data, assuming Pearson would send me a fully-loaded CD-ROM which I could use on my computer.
Naturally, they did no such thing, instead, counselling me to "return the book to Amazon for a refund or an exchange." (I informed them that the fault lay with them - not Amazon - and exchanging the book might cause me to receive another CD-ROM that was equally defective.)
My last e-mail to them was March 26th; to date, I have not heard from Pearson, and probably never will.
I told them that it was foolish to incur the ill-will of a customer who
might have given them repeat business, but evidently, the customer’s sensibilities (over a defective product) are of little moment to a publishing conglomerate.
I shall keep the book (because I need it), but the memory of their bad faith shall live on, in this negative review.
Take heed from my bad experience before you consider purchasing a book
with an Exam Simulator that can’t be used - nor will the company have the graciousness, or the common sense, to replace.
New Life Insurance Investment Advisor: Achieving Financial Security For You And Your Family Through Today’s Insurance Products
Price : $7.75
Product Description
For anyone who needs to understand different types of life insurance, as well as considerations for purchasing and managing policies, this book should be on your nearby reference shelf. If youve frequently found yourself fumbling around with terminology, such as the differences between variable, universal, and variable universal life (VUL) policies, youll finally see some light through the haze. - MorningstarAdvisor.com
Life insurance doesn’t have to be complex or intimidating. Ben Baldwin’s completely revised and updated guidebook makes it clear and logical, discussing how to analyze insurance products based on their investment merits and best overall financial returns. This clear, authoritative resource for consumer insurance information covers the pros and cons of Internet purchases, techniques to use capital within a policy, the fixed premium feature, insurance for different stages of life, and the new emergence of immediate annuities.
Customer Reviews
Review date : 2008-02-29
This is a great introductory book to a difficult topic. Must read for any first year advisor or life insurance agent.
Review date : 2007-06-27
This is the best source I have come across for dissecting and analyzing VUL. Most insurance professionals shy away from this product because of its risks. My feeling has been that this reaction is born out of a lack of understanding. This book is very clear about the risks and the rewards, teaching both with depth and candor. Knowledge is power and this book provides both.
Review date : 2007-03-17 
The book is very informative, entertaining, and instructive. It gives the benefits and drawbacks of each type of life insurance. It’s a good reference book. It’s easy to read and understand.
However, it is very biased towards variable universal life (VUL). In fact, the author states that this type of policy is the reason why the book exists. He even goes so far as to say that VUL is one of the best investment vehicles of the century! He’s a good cheerleader for VUL and even though he is honest and does point out the pitfalls of VUL, he sort of skims over the probability of problems with these policies in later years.
This book inspired me to check VUL policies and get some illustrations. I was shocked at the high probability of lapse in these policies if the expected return in the investments was average, say expected 8% return. You really need to get over 10% annualized return in the policies to be assured that the policy will not lapse. Anything less than that and you are running a grave risk of having to fund the policy dramatically or see it lapse just at a time when you need it most, after age 70. The trick is to adequately fund the policy from the start, and the funding can be quite expensive. And even after all of that, the insurance company makes YOU assume the risk of generating enough return to keep the policy in force. Even if you don’t take any loans, the policy can lapse if the returns are just a little bit less than expected. That’s very high risk to me. There are no affordable guarantees of minimum death benefit or cash values in a VUL, regardless of loans or premiums paid on time. I was shocked to learn this in reality.
So don’t fall for the hype in this book about VUL. The author greatly under-estimates the risk inherent in VUL policies.
Ultimately, I’d say there are better books on insurance if you just want to learn about the basics.
Review date : 2006-11-10
Ben Baldwin has always been one of the clearest writers about life insurance from a financial planning perspective. The explanations of what the insurance industry would call "Advanced Underwriting" uses of life insurance in this book are clear, concise and free of jargon. Although this is a consumer book, I would recommend it to financial planning professionals to enhance their own understanding and to see how to explain complex financial topics to clients.
Review date : 2006-07-26
The author did a geat job in explaining life insurance products. Those that have panned the book have a built in bias against insurance companies and their salesmen/woman. Fine, but I am waiting for one to write a cogent critique of why the author is wrong in his analysis. Frankly, I haven’t found one financial services professional that can, even those that don’t sale insurance products. Bottom line, the strategy makes sense for a many if not most folks who are trying to accumulate retirement $$. And yes the insurance industry makes good fees selling their products just like the securities companies make great fees with their products whether they are indexed mutual funds or stocks and bonds. I simply consider this the cost of doing business and move on. So what if someone makes some money helping you have a more comfortable retirement. Read it, take the ideas seriously, and incorporate the ideas into your plan. I have.
Insurance Law In A Nutshell (Nutshell Series)
Price : $24.49
Product Description
Reliable source on the fundamentals of insurance law covers topics such as insurable interest, risk, insurer defenses, waiver and estoppel, recovery, subrogation, reinsurance, and bonds. In addition, expert analysis provides a sense of the peculiar directions insurance law would take, and their erroneous outcomes, if the pure principles of contract law were applied.
Customer Reviews
Review date : 2004-06-04
I’ve taken Professor Dobbyn’s insurance class, and let me tell you that everything he said there has been boiled down to very clear and concise points in this book. It’s the only book on insurance you would ever need - a must for any student taking insurance law. From basic concepts of insurance to specific rules, this book covers everything.
Review date : 2000-06-15
A thorough and concise summary of the critical concepts of Insurance Law. An excellent supplement to Insurance Law texts and very handy as a quick reference tool.
Principles Of Risk Management And Insurance (10th Edition) (Principles Of Risk Management And Insurance)
Price : $128.25
Product Description
Principles of Risk Management and Insurance focuses primarily on the consumers of insurance, and the text blends basic risk management and insurance principles with consumer considerations. Praised for its depth and breadth of coverage, the Tenth Edition provides even more flexibility in its organization by giving an overview of the insurance industry first, before discussing specific plans.
Basic Concepts in Risk Management and Insurance: Risk in Our Society; Insurance and Risk; Introduction to Risk Management; Advanced Topics in Risk Management; The Private Insurance Industry: Types of Insurers and Marketing Systems; Insurance Company Operations; Financial Operations of Insurers; Government Regulation of Insurance; Legal Principles in Risk and Insurance: Fundamental Legal Principles; Analysis of Insurance Contracts; Life and Health Risks: Life Insurance; Life Insurance Contractual Provisions; Buying Life Insurance; Annuities and Individual Retirement Accounts; Individual Health Insurance Coverages; Employee Benefits: Group Health Insurance; Employee Benefits: Retirement Plans; Social Insurance; Personal Property and Liability Risks: The Liability Risk; Homeowners Insurance, Section I; Homeowners Insurance, Section II; Auto Insurance; Auto Insurance and Society; Other Property and Liability Insurance Coverages; Commercial Property and Liability Risks: Commercial Property Insurance; Commercial Liability Insurance; Crime Insurance and Surety Bonds. For all readers interested in risk management and insurance.
Customer Reviews
Review date : 2006-11-04
As part of an overall CFP class, provided an excellent overview of Insurance and Risk management. After buying insurance for many years, I now know what I’m getting
Adkisson’s Captive Insurance Companies: An Introduction To Captives Closely-Held Insurance Companies And Risk Retention Groups
Price : $16.41
Product Description
A captive insurance company is, in a nutshell, an insurance company formed by a business owner to insure the risks of the operating business. The operating business pays premiums to the captive, and the captive insures the risks of the operating business. A captive is much more than an exotic form of self-insurance: It is the creation of a new insurance company that has the potential to grow from being a mere captive into a full-blown insurance company seeking to profit from underwriting the risks of others. Adkissons Captive Insurance Companies provides a basic introduction to captives and their benefits, including: utilize your own experience ratings; recapture underwriting profits; underwrite exposed risks and deductibles; access the reinsurance markets; and transfer wealth between generations. This book also provides a unique look at the wealth transfer, accumulation and preservation advantages of captives, as well as an overview of the types of captives, taxation of captives, and captive domiciles.
Customer Reviews
Review date : 2008-11-07
Book is 80 pages of boilerplate information that is available on net plus 200 pages of regulatory and tax code also available on net. Not worth it!
Review date : 2007-03-09
Jay Adkisson’s book on captive insurance companies is a good starting point for anyone who wants an overview of an often overlooked or misunderstood subject. The book is a little heavy on statutes and some case law, but otherwise gives an excellent introduction to the benefits and risks of establishing and maintaining these structures.
Review date : 2007-01-22
I’m in the process of determining whether a captive makes sense for my company. Mr. Adkisson’s guide is very imformative. He is a little weak in his pure insurance knowledge but the concepts are more creative and thorough than others I have researched.
Review date : 2006-12-18
As an advisor, I’ve had clients repeatedly ask me about captive insurance companies but I didn’t know much more about them and simply referred them to people like Jay who dealt with them. They always seemed like a "black box" planning technique where the secrets of how they worked were hidden from the unitiated. With this book, Jay opens that box and gives a great explanation of what captive insurance companies are, how they work, what it takes to get them licensed, how they are taxed, what policies they can issue, where they can be formed, and a bunch of other stuff that helps advisors like me understand the basic concept. I think this would be a great book to give as a gift to clients who were interested in captives as it explains their benefits — and limitations — quite clearly.
Questions And Answers On Life Insurance: The Life Insurance Toolbook
Price : $11.03
Product Description
During your life, youre likely to make important choices that will affect you for years to come: determining the best community, buying the perfect house, and starting a new family. Purchasing life insurance falls into the same category. But selecting the right policy isnt easy, especially when youre faced with a constant barrage of commercials and brochures from competing life insurance companies.
With twenty years of experience in the life insurance business, Anthony Steuer delivers a practical, one-of-a-kind resource to guide you through the basicsand the finer pointsof life insurance and to help you choose the policy that is just right for you and your family. Using a simple question-and-answer format, Steuer covers everything you need to know about life insurance, including how to:
- Differentiate between types of policies
- Find and evaluate a policy and company
- Hire a trusted agent
- Understand the practice of underwriting
- Monitor your policy
Steuers invaluable advice will safeguard you from unpleasant surprises and unnecessary pitfalls. For anyone, from consumers to financial advisors, Questions and Answers on Life Insurance is the definitive resource on life insurance.
Customer Reviews
Review date : 2008-05-08
Modern funerals can be quite expensive, so life insurance can be the easiest answer. But how can you make sure that your life insurance will do what you pay it to do? "Questions and Answers on Life Insurance: The Life Insurance Toolbook" is a guide to help those who are concerned about life insurance policies make the right decisions by analyzing the fine print of it all - the different types of policies, evaluating the companies that hold the policy, trusted agencies, underwriting, and how to make sure your policy doesn’t change behind your back. "Questions and Answers on Life Insurance: The Life Insurance Toolbook" is highly recommended to community library collections on personal finance and for anyone who is in the market for a life insurance policy.
Review date : 2007-12-03
Questions and Answers on Life Insurance: The Life Insurance Toolbox
Thank you for your interest in this book. Reviews for this book can be found with this earlier edition. Hope these reviews are useful. Tony Steuer, Author.
Review date : 2007-09-05
Tony’s honest and unbiased approach to the presentation of the material is the perfect format for actually learning about Life Insurance. There is much knowledge to gain about what is construed as a potentially complex area of financial protection. If you are in the market to purchase Life Insurance, this is the book for you.
Review date : 2007-06-13
It’s great tool to validating the complex information on life insurance and easier to understand than most text material.
Review date : 2007-06-02
For the beginning insurance agent, this is a very good book. Insurance products are very complex and sometimes difficult to explain, this book helps and could even be used to help answer prospective clients questions while presenting. I am glad I own this book.
Insurance Law In A Nutshell (Nutshell Series)
Price : $24.49
Product Description
Reliable source on the fundamentals of insurance law covers topics such as insurable interest, risk, insurer defenses, waiver and estoppel, recovery, subrogation, reinsurance, and bonds. In addition, expert analysis provides a sense of the peculiar directions insurance law would take, and their erroneous outcomes, if the pure principles of contract law were applied.
Customer Reviews
Review date : 2004-06-04
I’ve taken Professor Dobbyn’s insurance class, and let me tell you that everything he said there has been boiled down to very clear and concise points in this book. It’s the only book on insurance you would ever need - a must for any student taking insurance law. From basic concepts of insurance to specific rules, this book covers everything.
Review date : 2000-06-15
A thorough and concise summary of the critical concepts of Insurance Law. An excellent supplement to Insurance Law texts and very handy as a quick reference tool.
Adkisson’s Captive Insurance Companies: An Introduction To Captives Closely-Held Insurance Companies And Risk Retention Groups
Price : $16.41
Product Description
A captive insurance company is, in a nutshell, an insurance company formed by a business owner to insure the risks of the operating business. The operating business pays premiums to the captive, and the captive insures the risks of the operating business. A captive is much more than an exotic form of self-insurance: It is the creation of a new insurance company that has the potential to grow from being a mere captive into a full-blown insurance company seeking to profit from underwriting the risks of others. Adkissons Captive Insurance Companies provides a basic introduction to captives and their benefits, including: utilize your own experience ratings; recapture underwriting profits; underwrite exposed risks and deductibles; access the reinsurance markets; and transfer wealth between generations. This book also provides a unique look at the wealth transfer, accumulation and preservation advantages of captives, as well as an overview of the types of captives, taxation of captives, and captive domiciles.
Customer Reviews
Review date : 2008-11-07
Book is 80 pages of boilerplate information that is available on net plus 200 pages of regulatory and tax code also available on net. Not worth it!
Review date : 2007-03-09
Jay Adkisson’s book on captive insurance companies is a good starting point for anyone who wants an overview of an often overlooked or misunderstood subject. The book is a little heavy on statutes and some case law, but otherwise gives an excellent introduction to the benefits and risks of establishing and maintaining these structures.
Review date : 2007-01-22
I’m in the process of determining whether a captive makes sense for my company. Mr. Adkisson’s guide is very imformative. He is a little weak in his pure insurance knowledge but the concepts are more creative and thorough than others I have researched.
Review date : 2006-12-18
As an advisor, I’ve had clients repeatedly ask me about captive insurance companies but I didn’t know much more about them and simply referred them to people like Jay who dealt with them. They always seemed like a "black box" planning technique where the secrets of how they worked were hidden from the unitiated. With this book, Jay opens that box and gives a great explanation of what captive insurance companies are, how they work, what it takes to get them licensed, how they are taxed, what policies they can issue, where they can be formed, and a bunch of other stuff that helps advisors like me understand the basic concept. I think this would be a great book to give as a gift to clients who were interested in captives as it explains their benefits — and limitations — quite clearly.
Insurance Commander: How To Sell Property And Casualty Business Insurance
Price : $47.00
Customer Reviews
Review date : 2008-01-07
This book is well written to the layman who is looking for non-technical writing to a technical subject.
Review date : 2007-04-10
I am just starting out in the insurance field as an Agent with no prior experience. During the time between making the decision to make the leap and actually landing a job, I dug every where I could looking for resources on everything that had to do with being a P&C Producer. By far, I would say this is one of the best resources for someone trying to get a good overview on how to think like one.
Of course, it is a bit cheerlead-y and full of narative, but quite honestly, it’s what I found charming. I needed something that could hit home to me and motivate me to keep trying at something that seems very difficult.
I would highly recommend it to those looking for a good read on the (human) aspects of Business P&C Insurance.
Review date : 2006-09-09
Most agents whether just beginning or experienced will find something helpful in this book. Baxter provides a fairly comprehensive look at the whole process selling commercial insurance. He gives plenty of sample letters and has quite an extensive appendix.
Some of the material and methodology was slightly dated, as can be expected. But, one should be able to use his approach as a good foundation for commercial sales. Baxter included a number of practical illustrations which most people will find helpful, but can be a bit tedious.
Perhaps the best part of the book besides the sample letters is his walk through the sales process from the first meeting, through the interview, during submission, and on to a final proposal. If you want to market commercial insurance this book will help you get started.
Review date : 2004-10-26
I am just getting started in my commercial P&C career. I do not even have my license yet, but feel a whole lot more comfortable talking to veterans of the industry. This is definitely not the end-all be-all of insurance books, but it is simple enough to get started with.
I started off with insurance texts and they were so dry that I could barely stay awake. After Insurance Commander I now have a grasp of the basic intricacies of the business. The only thing I would change about the book is the name (a little cheesy?).
Review date : 1999-10-06
Mr. Dunbar seems to speak from real life experiences where he had to overcome all the obstacles that doom many insurance sales. His categories of customer personality types, their typical complaints or objections, and the approach to winning them over is priceless. His stories are laced with wonderful humor that turns what could be deadly dull material into fascinating reading. Experience is the best teacher, but Mr. Dunbar has done the next best thing—-given a sales person some wonderful tools to avoid a bad experience.
Insurance Commander: How To Sell Property And Casualty Business Insurance
Price : $47.00
Customer Reviews
Review date : 2008-01-07
This book is well written to the layman who is looking for non-technical writing to a technical subject.
Review date : 2007-04-10
I am just starting out in the insurance field as an Agent with no prior experience. During the time between making the decision to make the leap and actually landing a job, I dug every where I could looking for resources on everything that had to do with being a P&C Producer. By far, I would say this is one of the best resources for someone trying to get a good overview on how to think like one.
Of course, it is a bit cheerlead-y and full of narative, but quite honestly, it’s what I found charming. I needed something that could hit home to me and motivate me to keep trying at something that seems very difficult.
I would highly recommend it to those looking for a good read on the (human) aspects of Business P&C Insurance.
Review date : 2006-09-09
Most agents whether just beginning or experienced will find something helpful in this book. Baxter provides a fairly comprehensive look at the whole process selling commercial insurance. He gives plenty of sample letters and has quite an extensive appendix.
Some of the material and methodology was slightly dated, as can be expected. But, one should be able to use his approach as a good foundation for commercial sales. Baxter included a number of practical illustrations which most people will find helpful, but can be a bit tedious.
Perhaps the best part of the book besides the sample letters is his walk through the sales process from the first meeting, through the interview, during submission, and on to a final proposal. If you want to market commercial insurance this book will help you get started.
Review date : 2004-10-26
I am just getting started in my commercial P&C career. I do not even have my license yet, but feel a whole lot more comfortable talking to veterans of the industry. This is definitely not the end-all be-all of insurance books, but it is simple enough to get started with.
I started off with insurance texts and they were so dry that I could barely stay awake. After Insurance Commander I now have a grasp of the basic intricacies of the business. The only thing I would change about the book is the name (a little cheesy?).
Review date : 1999-10-06
Mr. Dunbar seems to speak from real life experiences where he had to overcome all the obstacles that doom many insurance sales. His categories of customer personality types, their typical complaints or objections, and the approach to winning them over is priceless. His stories are laced with wonderful humor that turns what could be deadly dull material into fascinating reading. Experience is the best teacher, but Mr. Dunbar has done the next best thing—-given a sales person some wonderful tools to avoid a bad experience.
