Do You Have Life Insurance? Tony Steuer Book Review & Giveaway

by Kristina on January 26, 2012 · 4 comments

questions & answers life insurance bookGood Morning DINKS!  Thanks to our great friend Tony Steuer we have an amazing giveaway for your today.  Actually we have two amazing giveaways for you today, so keep reading to find out how you can enter our Great Insurance Giveaway to win one of two copies of “Questions and Answers on Life Insurance: The Tool Book and The Workbook.”

A very important part of planning our financial lives is preparing for the afterlife.  Choosing the right type of Life Insurance for our needs as well as determining the correct amount of Life Insurance that we need are two very important parts of financial planning.

Questions and Answers on Life Insurance by Tony Steuer helps us do just that.  The Life Insurance Tool Book and Workbook will help us assess our current financial situation as well as determine which amount of life insurance will protect our families in the unfortunate event of a loss of life.

Life Insurance should not be used in order for the survivors to gain a profit.  Life Insurance should be used to cover debt losses and final expenses, as well as sustain the survivor’s current lifestyle.  Life Insurance should not be treated like Lottery winnings.  I know that it’s awful to even think about Life Insurance that way, but unfortunately that is the reality we live in.

I don’t feel that a human life can ever have a price put on it and therefore Life Insurance should be used to replace the income, not the lost life.  If you ask anyone who has ever received an inheritance from Life Insurance I am sure that they will tell you that they would give all the money back if they could have their loved one back in their life.

Some people don’t have Life Insurance because they aren’t worried about what happens after they have moved on into the afterlife. This is an irresponsible attitude, we don’t have an obligation to leave a financial legacy for our family; but we do have an obligation to take care of our own expenses.  The reality of life is that funeral expenses, debt repayments, and final tax expenses are our own personal expenses, even after we are gone.

It can be very hard to determine the amount of Life Insurance that will be required to cover our final expenses as well as provide a sustainable lifestyle for our family after we are gone.  This is why we need The Questions and Answers on Life Insurance Tool Book and Workbook by Tony Steuer.  He helps us evaluate our current financial obligations in order to determine the future amount of Life Insurance required.

I personally have mixed emotions about Life InsuranceI think it’s a great financial planning tool to ensure that we don’t leave a debt burden for our family.  I definitely think that all essential family owned assets should be covered by Life Insurance if there is a debt attached to them.  The mortgage on our family home and the loan on our family car should be covered by Life Insurance to ensure that they remain property of the family in case of a loss of life.

If one person in the family is the sole financial provider, then I also think that the income should be covered by Life Insurance to ensure that the family is still provided for in the future.  However, I do not think that parents or grandparents etc. should incur the unnecessary costs of Life Insurance premiums just to leave a financial gift to their kids or grandkids.  If someone wants to leave a financial gift or legacy to a family member or friend they should do so with their own assets.

Now It’s Time For Our Giveaway!

We are giving away TWO Copies of “Questions and Answers on Life Insurance: The Tool Book and The Workbook.” by Tony Steuer.  That is TWO winners who will receive TWO books each…are you noticing a theme?

All you have to do to enter our Giveaway is Leave a Comment on this post telling us about the best duo you have ever seen, heard, eaten, or experienced.  It could be Shaq and Kobe or it could be Chicken and Waffles.

Tell us about your favourite Duo and Win!

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{ 4 comments… read them below or add one }

1 ib January 31, 2012 at 3:25 pm

Best duo for me would be peanut butter and jam. You can’t have one without the other.

2 Bryan at Pinch that Penny! February 3, 2012 at 6:41 pm

Last night’s 30 Rock (with the bit where Jenna and Tracy do a very poor rendition of Who’s on First?) reminded me of just how much I love the comedy of Abbot and Costello. A+C are definitely my favorite duo.

3 crashdamage1957 February 9, 2012 at 12:48 am

George Burns and Gracie Allen. I’m going back way before my time even, but considering that they were not only a show business duo that spanned a successful 4 decade career beginning on the vaudeville stage, then movies, and then continued into the early days of television , they were also a real life couple. The Burns and Allen Show was and still is some of the best television comedy ever, and is still funny today.

4 Kristina February 10, 2012 at 7:06 pm

CONGRATULATIONS to IB and Bryan at PInch that Penny you both win a copy of the book and workbook. Please contact DINKS by email so we can mail out your books.

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