My work over the past 30 years has shown me that most people c on t get<br >down to the basics of life and disability insurance， in The l.tfe hzsumnce<br >Buyer s Guide， I do get down to the basics. I give v~ u straight talk， te ing<br >you what it is that you re buying when you purchase life insurance alt d<br >disability insurance.<br > My goal is to cut through the confusion caused by lack of plain talk<br >and to give you full disclosure， telling you what esoteric terms such as<br >"cash value，" "present value，" and "tax-free buildup" really mean. ITle<br >Life Insurance Buyer s Guide provides you with clear， concise nontechnical<br >straight talk for all the important aspects of life insurance and disabifity<br >]nsurauce.<br > I discuss the areas of life insurance， disability insurance， and retire-<br > ment issues that are most frequently talked about. 1 give you my hard-<br > earned insights， without using any form of sensationalism. The book is<br > essential reading for those who purchase， advise about， recommend， sell，<br > teach criticize and study Ife insurance.<br > The Life h~urance Buyer s Guide covers all areas of life insurance in<br > depth and is written in layperson language. My style is designed to<br > influence you， the reader， to make a decision about your life and<br > disability insurance needs and to take action to satisfy them.<br > Remember， the book is written by a salesperson who is also a<br > consumer advocate. I give you total disclosure and up-to-date informa-<br > tion. I meet all objections head-on， and I tell it like it s. I take you behind<br > the assembly line and show you how the product is manufactured.<br > The Life Insurance Buyer s Guide shows you how to tackle life and<br > disability insurance issues head-on. 1 11 show you how to determine how<br > much life insurance is enough， whether or not you should own your own<br > life insurance， how to understand various methods of life insurance cost<br > disclosure， how to pick a life insurance company and agent， how to<br > etermine when you should replace your existing litqe insurance， and<br >