Consumers may dowload the following consumer guides in PDF format:
The following guides are available for purchase in hardcopy with your company logo. Please see our consumer guide order page for further instructions.
Buyer's Guides to Fixed Deferred Annuities
Helps consumers understand the differences among various annuities so they may decide whether purchasing an annuity is right for them and what type might best fits their needs. While focusing on deferred annuity contracts, the publication covers the annuity purchasing process from start to finish and includes questions customers should ask their agent or company along the way. Copyright 1999.
Choosing a Medigap Policy
Provides advice for consumers faced with the decision of whether to purchase Medicare supplement insurance. In order to exemplify the construct of a Medigap Policy and highlight reasons why a person might consider purchasing such a product, a basic overview of Medicare is provided, including available coverage options, enrollment guidelines and a listing of Medicare's payable health services. This publication also contains basic facts on private health insurance, a comparison chart of 10 standardized health plans, shopping hints, and an in-depth explanation of consumers' rights and protections. Updated annually.
Consumer's Guide to Auto Insurance
Auto insurance is an expensive purchase for most Americans and shopping for it can be confusing. This publication simplifies the purchasing process and offers practical guidelines that can help lower the cost of coverage while increasing the value received. Complete with a listing of state laws governing the industry, the guide is a best bet for those looking to make informed decisions about auto insurance and get the most for their money. Copyright 2011.
Consumer's Guide to Earthquake Insurance
Designed to educate consumers about the need to consider purchasing earthquake insurance. Helps consumers understand what earthquake policies cover and how they work. Also includes information on smart shopping strategies and steps to take in protecting homes. Illustrates the seismic risk the country faces and facilitates financial preparedness through an understanding of earthquake insurance. Copyright 2011.
Consumer's Guide to Home Insurance
Delivers basic information to guide consumers through the assessment, selection and purchase of home insurance. Publication explains situations in which having homeowners' insurance may be mandatory, details the basic coverage options available to consumers and answers the most common questions associated with this offering. The guide aims to help consumers obtain a policy that provides them with a level of coverage that satisfies all their needs, but does so at the lowest possible cost. Includes a complete listing of state insurance departments. Copyright 2010.
Life Insurance Buyer's Guide (LIG-LP)/(LIG-LN)
The Life Insurance Buyer's Guide is a one-stop-shop for information related to life insurance. It provides useful insight into the types of policies available and helps you estimate how much insurance will provide adequate coverage, depending on your individual need. With a focus on finding the right policy at a good value, the publication details important facts to discuss with insurance providers and addresses the implications associated with dropping a policy once it has been purchased. Your state statute will determine which of the two versions applies to you. Copyright 2001 (LIG-LN) and Copyright 1997 (LIG-LP).
A Shopper's Guide to Cancer Insurance
The decision of whether to purchase cancer insurance can be a challenging one. While cancer treatment accounts for 10 percent of all U.S. health expenses, the policy will only provide benefit if one is afflicted with the disease. This guide briefly discuses key questions regarding cancer insurance and advises on the variation in cost and coverage of policies sold. The issues brought forth in this publication may also be useful when considering the purchase of other disease-specific insurance policies. Copyright 2000.
A Shopper's Guide to Long-Term Care Insurance
This guide presents current and potential users of long-term care insurance with valuable information. For those considering the purchase of long-term care insurance, buyers' guidelines are incorporated in a consumer-friendly, easy-to-read format. The guide includes an overview of long-term care insurance, as well as payment and purchasing options, worksheets, shopping tips and the various policy and benefit plans available. The guide also contains a comprehensive contact list for every state insurance department. A PDF version is available for licensing. Updated annually.