Here is my stockpile of consumer-education reports on Life and Health Insurance related topics I have created for you to send with your client newsletter and other marketing efforts (per our agreement).   If you would like to view all  the reports, visit the stockpile home page.

Please note, all content on this page and the links and downloads are my intellectual property and copyright protected.  Please be a good guy and respect that.  You know, the Golden Rule and all.

If you are one of my treasured subscribers, welcome back!   Happy shopping for the report that is a good fit for your publication!  If you are a visitor, then mosey over to this page for a “FREE + Shipping” offer and to see how you can get these reports for your own use.

LH1, “10 Quick Tips on Life Insurance”  Would you like to make sense of your life insurance program?  What are the important factors you should consider (and when!) about your current and future policies?  Become a savvy consumer with the data in this report!

LH2, “Should You Accept a ‘Rated’ Insurance Policy?”  Unfortunately, not everyone will qualify for the lowest rate life or health insurance. Want to know when to accept the higher price and when to keep shopping? Read this to find out.

LH3, “An Overview of Health Care Reform for Company Plans, Individual Policies, Medicare and the Uninsured”  If you are seeking to make sense of the new 2010 legislation about healthcare and insurance, this report will help you.  Get a brief, consumer friendly summary and important warnings about changes to your policy.

LH4, “Should You Add Medical Coverage to Your Auto Policy?”  We all have to keep basic auto insurance but what extras are worth paying for? Read this special report to learn if Medical coverage is a good value addition to your auto policy.

LH5, “Answer These 4 Questions before Shopping for Life Insurance”  To know if a policy is the best value for your needs and budget, there are a few questions you must consider yourself before you begin shopping for life insurance. This report walks you through those questions so you are a more informed consumer.

LH6, “Choosing the Best Health Insurance Plan: The Two Numbers You Absolutely Must Consider!”  Whether you are buying a personal policy or choosing the plans offered by your employer, here’s how you can “crunch the numbers” to pick the best protection at the lowest price.

LH7, “Common Exclusions of Medicare and Medical Insurance Policies”  What types of health care will your insurance deny? Will that be a problem for you or no?

LH8, “Common Life Insurance Problems and Their Solutions”  If you already have life insurance, you are set, right?  Maybe not.  Many people do not understand what they purchased and for others, it is outdated for their current needs.  Read this report to see if your current life insurance policy has problems and how to fix them.

LH10, “Watch Out! Two Year Contestability for Life Insurance Policies”  Learn when, how and why an insurance company can rescind a life insurance policy, return the premiums paid and not pay the death benefits to the beneficiary.

LH11, “Correctly Designating Your Life Insurance Beneficiary: Don’t Disinherit Your Grandchildren!”  Learn how to correctly title your beneficiary so it accurately reflects your wishes.

LH12, “Did You Buy Insurance You Don’t Need?”  Yep, the truth is out.  There are types of insurance you should NOT buy.  Do you know which ones those are?  Find out in this report and save yourself some money!

LH13, “Does Your Financial Plan Cover ‘The Widow’s Gap’?” This report explains what the “widow’s gap” is, who it affects and more importantly, gives you a suggestion so your loved ones are safe and protected.

LH14, “Family Life Insurance Calculator”  Are you curious if you have enough life insurance or perhaps too much?  I recommend you calculate your need for protection (then compare it to what you already own) every two to three years.  If you haven’t, you’re in luck!  Enclosed is a handy-dandy worksheet that’s fast and easy.

LH15, “Four Basic Types of Health Insurance Plans”  In this report I strip away the fluff and hype and lay bare the basic insurance models so you can better understand your choices and correctly determine which is a good fit for you.

LH16, “How and Where to Safely Store Your Life Insurance Policy (And Other Important Documents)”  Most people keep their important documents in a safe deposit box or a file drawer.  Where you keep your policy can greatly impact your heirs.  Read this report to find out how to best store your vital papers.

LH17, “How NOT to Buy Life Insurance!”  This is an expose` about deceptive selling practices that are being used today to get consumers to buy over-priced policies that drain the wallet and provide little long range protection.

LH18, “How to Choose a Contingent Beneficiary for Life Insurance If You Have Minor Children”  In the case that you and your spouse both die in the same accident or similar difficult legal situations arise, read this report to find out how to care for and protect your minor children.

LH19, “How to Choose the Best Permanent Life Insurance Policy”  Procrastination and confusion are two of the main reasons people don’t buy the life insurance they know they need.  I cannot help with the first of those but offer this report to dispel some of the confusion about permanent life insurance.

LH20, “How to Protect Your Financial Legacy from Creditors and Predators”  Not all heirs are equal.  Do you have special circumstances with your beneficiaries that worry you?  Find how to plan well for nearly every eventuality.

LH21, “Life Insurance: How to Protect Your Protection”  This answers the question, “Who should own the policy and why?” and “How do you make sure the insurance that benefits you really is paid to you?”

LH22, “How to Turn Back the Clock on Life Insurance Premiums”  Think you may need to add or replace a life insurance policy? Then read this special report. You may be able to save hundreds or thousands of dollars by knowing this one trick.

LH23, “What You Can Buy with a Tax-Free Health Savings Account”  Get the details on what medical expenses can (and cannot) be paid from your Health Savings Account (HSA).

LH24, “Is Your Universal Life Insurance Underfunded?” This report exposes a dirty little secret of the insurance industry – rip-off permanent policies that implode after 10 – 20 years of payments. If you have a UL policy, you need this information.

LH25, “Life Insurance Inventory and Analysis”  Do you have enough life insurance, too much or the wrong kind?  Is your life insurance overpriced?  These are questions you should be asking yourself and the answers will begin with this special report.

LH26, “How to Maximize Your Health Insurance Benefits”  One of the most frequent complaints I hear is about non-payment of claims. This special report will explain the levels of health care which in turn will help you maximize your insurance benefits – and hopefully get more of your claims paid!

LH27, “Medical Identity Theft: Don’t Be a Victim!”  Learn what this is, what the consequences are, how to fix it and better yet, how to prevent it.

LH28, “The MIB: Do They Have a File on You?”  Even if you’ve never heard of it, the MIB may control your access to life and health insurance. They archive 150 million records! What’s in your file and how can you get it?

LH29, “Do You Need Life Insurance?”  That is one of the most often asked questions. My answer may surprise you. For some people, life insurance is a waste of money. Some people need it now. Find out an expert’s opinion on who needs it and who doesn’t.

LH30, “Health Insurance: After the Deductible, What Do You Owe?”  This special report addresses an often heard complaint, “I’ve paid my deductible. Why am I still getting bills!” Crucial data whether you have health insurance at work or buy it on your own.

LH31, “How to Pick a Doctor Off the Insurance Company’s List”  This is the dilemma everyone goes through when they change health or dental plans: Which doctor? I have a system that I have been sharing with my clients for years. Try it out. It sure beats closing your eyes and throwing a dart at the directory!

LH32, “Why You Should Police Your Own Medical Records”  What is in your medical records and how did it get there? More importantly, how can it affect your next purchase of life or health insurance?

LH33, “How to Review Your Own Life Insurance Policy: Increase, Decrease, End or Extend?”  Evaluate your existing life insurance against your current needs on your own (without a salesman bugging you!)

LH34, “’Return of Premium’ Life Insurance: Is it for you?”  This product is fairly new and widely misunderstood. Like all types of life insurance, “Return of Premium” (ROP) has certain advantages and disadvantages. Want to know if it is a good fit for your needs? Read this article!

LH35, “Should You Buy Credit Insurance?”  Are you wasting money every month on overpriced protection your family will not benefit from?  Find out if you are one of the few people who should buy credit insurance and what you should do if you already have it.

LH36, “Temporary Life Insurance: A Good Choice for You?”  This answers the question “How and when can you purchase temporary life insurance?” and, “Is it right for your specific circumstances?”

LH37, “Term Life Insurance: What Happens When the Term Expires?”  Should you renew, replace or let the policy lapse? Why? Find out what your best options are now and in the future to keep low priced life insurance protection for your family.

LH38, “Term or Permanent Life Insurance: Which is Better?”  What is a consumer to do when there is so much debate about which kind of life insurance is best? Is one type of insurance clearly superior (term or perm)? Read this to find out!

LH39, “Tips and Tricks of Beneficiary Designations”  Will the right heir receive your assets… or not?  Make sure your beneficiary designations on all your financial documents are correct and up-to-date using the information provided in this report.

LH40, “Travel Insurance Tips & Tactics”  You’ve probably heard of travel insurance but should you buy it?  Maybe, maybe not.  It depends on your needs what other insurance you already have.  Find out in this report.

LH41, “Should You Use ‘Preferred Provider’ Doctors and What Will It Cost You If You Don’t?”  This special report will help you understand the terms and restrictions common to health insurance policies and save thousands of dollars on medical expenses.

LH42, “What is a Diagnostic Code and Why Should You Care?”  Diagnostic codes will severely impact your ability to buy and use any insurance product which dependent on your health records – Medicare insurance, individual or company health insurance and even life insurance. In this report, learn what they are, why they are important and how to fix problems caused by them.

LH43, “When Is It In YOUR Best Interest to Replace a Life Insurance Policy?”  Replacing your life insurance may be either a smart choice or a stupid decision.  The problem is knowing which is which.  This report gives you basic data to sort out the options.

LH44, “When Will YOU Become Uninsurable?”  At some time, everyone becomes uninsurable or at least too expensive to be insured.  How do you delay that as long as possible and keep your rates low?

LH45, “Which Claims Are NOT Covered By Life Insurance?”  If a person has life insurance and dies, the claim is paid, right?  Yes and no!  Find out which claims are valid and which are not.

LH46, “Which Preventative Services Are FREE with Your Medical and Medicare Insurance?”  Are you curious which preventative services and tests are now mandated as FREE on ALL health insurance policies?  Well, you’ve come to the right place.  This report gives you the scoop on this important benefit.

LH47, “Who Needs Life Insurance?”  Just as you cannot insure your house as it burns to the ground, you cannot buy life insurance past a certain point of ill health.  While you still can, consider if you need life insurance.  Maybe you do, maybe you don’t.  Read this report to find out.

LH48, “Why Should You Know Term Insurance Conversion Privileges?”  If you now have term insurance or are thinking of buying some, this report contains vital information for you!  Learn the smart way to extend the term of a policy at the lowest premium possible.

LH49, “The Widow’s Gap: Does Your Life Insurance Plan Cover It?”  What is a Widow’s Gap, who creates it and more importantly, how can you solve it so your loved ones are safe and protected?

LH50, “Work or Private Life Insurance: Which Is Best?”  Workplace life insurance is sometimes a great deal – but not always. If you have life insurance through your employer, you need this information to see if you are paying too much.

LH51, “Your Health History: How to Get Your Own Copy”  Learn the basics on who keeps medical data on you, how to get your own copy and even make your own medical records.

LH52, “Your Health Insurance: Deductible vs. Out-of-Pocket Maximum”  No matter what kind of medical insurance you have, you should understand these terms so you can get the most out of your health benefits.

LH54, “Credit Insurance: Sweet Deal or a Waste of Money?”  Chances are you receive dozens of offers for credit life, credit disability and/or involuntary unemployment insurance each year. If you haven’t accepted the offer you may have at least wondered, “Should I?” Here’s your answer!

LH55, “The Health Care Reform Law: An Update”  The Health Care Reform Law is lengthy so, justly, many don’t know the ins and the outs of the bill. It will most likely have an impact on your life in some way, so read this report to get a better understanding.

LH56, “7 Tips on How to Lower College Costs”  A college education is one of the biggest expenses of a lifetime.  It may even cost more than a house!  This report gives you seven tips on how to save money and still get a good education.

LH57, “10 Things You Should Know About Life Insurance”  Whether you already have life insurance or are contemplating a new purchase, you should know some basics.  This report makes the topic less complex so you can be an informed consumer.

LH58, “A  Parent’s Guide: Preparing Your Child for College”  It’s never too early or too late to help your child prepare for college. What can you, as the parent, do to assist your child academically and financially?  This report gives you grade-by-grade steps.

LH59, “Health Insurance Basics after the Affordable Care Act”  The Affordable Care Act changed some things while others remain the same.  This report gives you an overview of how health insurance works now.

LH60, “Getting Help from Social Security When a Family Member Dies”  Did you know there are living benefits to family members available from Social Security?  These may be crucial to a family’s financial survival… or not enough.  Read to find out.

LH61, “What Are ‘Excess Charges’ and Will You Have to Pay Them?”  Few people are aware of excess charges in medical insurance but they can have a HUGE impact on the out-of-pocket cost of care.  This is true for Medicare, private and company plans.  Arm yourself with correct information and save yourself money and stress.

LH62, “Navigating the New Healthcare Marketplace”  An experiment not tried before in the United States has now arrived, The Healthcare Marketplace.  Politics aside, you should know about this option for purchasing insurance for yourself, your family or your small business.

LH63, “Health Insurance: After the Deductible, What Do You Owe?” This report addresses an often heard complaint, “I’ve paid my deductible.  Why am I still getting bills?!”  This is crucial data whether you get your health insurance from an employer or buy it on your own.  Read and heed!

LH64, “Must You Pay Income Tax on a Life Insurance Settlement?”  The taxes on inheritance are complicated.  The money paid to you from a life insurance settlement may be taxable in full or in part  — depending on how you are paid.  Read to find out more.

LH66, “Individual Health Insurance Since the Affordable Care Act”  The health insurance landscape has changed drastically.  The old way of doing things has been swept away and in its place is a new system that is unfamiliar.  Perhaps this report will address the questions on your mind now.

LH67, “Understanding Your Health Insurance: Deductible, Coinsurance, Copayments”  Health insurance can be confusing.  What is the difference between coinsurance and copayments and what do those have to do with the deductible?  Read this report to find out.

LH68, “Should You Change Your Life Insurance Policy?”  Did you know there could be tax consequences or penalties if you change your life insurance policy?  And even so, sometimes it is still in your best interest to do so.  Find out the pitfalls and what to do in this month’s special report.

LH69, “Understanding Your Choices: Cash Value Life Insurance”  Do you know the three basic types of permanent insurance?  Which one is right for you? Or should you buy term insurance instead?   This report answers those questions for you.

LH70, “Warning! Penalty for Individual Health Insurance Paid by Employers”  Did you know that under some circumstances, companies can be fined $36,500 a year per employee for paying their individual health insurance premiums?  Find out more in this report.

LH71, “What Are Life Insurance “Accelerated Benefits”?”  Do you have benefits in your life insurance policy (even term!) that you didn’t know about?  Find out in this report.

LH74, “What Are Your Financial Options If Catastrophic Illness Strikes?”  A serious accident or illness can upset even the best laid financial plan.  What are will your source of funds be in the worst case scenario?  This article outlines a few options you may never have thought of.

LH75, “What If You Are Declined For Life Insurance?”  You know you should have life insurance to protect your loved ones.  But what if you apply and are declined?  Do you have other options and what are they?  Read this report to find out.

LH76, “Your Health Insurance Options When Open Enrollment Closes?”  The Affordable Care Act has changed the way Americans buy health insurance.  In the past only company plans had open enrollment periods.  Now it is true for individuals too.  Find out your options the rest of the year.

LH77, “How Much Life Insurance Do YOU Need?”  Are you uncertain about how much life insurance you should buy?  In this report you’ll find a few questions to ask yourself.  These guidelines will lead you to an answer that will adequately provide for your survivors.

LH78, “Understanding Health Insurance: Networks, Providers and Your Cost of Care”  Even if you have a good health insurance plan, you can still get stuck with huge medical bills.  How can that happen?  This report shows you the basics of insurance billing so you can use your insurance better and pay less yourself.