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AAII's Guide to Top Web Sites

Insurance

Insurance sites provide educational information or quote comparisons for life insurance products; some also provide information on long-term care insurance. Look for interactive calculators to help you determine your insurance needs. Some sites offer helpful checklists that you can use when comparing policies or allow you to check out an insurance company for past complaints. The top sites provide education on the different types of life and long-term care insurance. You can check out a company or report suspected fraud at the NAIC site (www.naic.org).

 Insure U  

   www.insurance.insureuonline.org
FREE
Operated by the National Association of Insurance Commissioners (NAIC), this site provides educational information. Guides cover auto, home, life, cancer and earthquake insurance; they can be downloaded from the site or ordered by mail. The States and Jurisdiction Map links to each state's insurance regulator's website, allowing individuals to find information specific to their state. Online courses discuss special considerations related to various stages of life.




 Katt & Company  

   www.peterkatt.com
FREE
Robust library of in-depth articles written for consumers and planners. Life Insurance Perspectives newsletter covers specific policies and policy trends for estate planning professionals, but can also be instructive for consumers. Recent case profiles illustrate solutions for real-life situations.




 LIFE (Life and Health Insurance Foundation for Education)  

   www.lifehappens.org
FREE
Provides straightforward basics on life, disability, long-term care and health insurance. Online tool allows you to search for agents by name, ZIP code or city and state. Articles, videos and consumer guides explain the difference between various types of insurance and the types of policies offered. An updated blog discusses current insurance issues of interest and allows visitors to post comments.




 LifeInsure.com  

   www.lifeinsure.com
FREE
Quote search engine doesn't require personal contact information. The list shows the A.M. Best rating and premium amount for each resulting company; click on company name for more ratings and a company summary. Well-written materials explain the basic types of insurance, plus how rates are calculated. Articles include information on recent developments. Video alternative is available for some articles. Site also shows how to calculate how much life insurance you need. The blog discusses life insurance news.




 LongTermCare.gov  

   www.longtermcare.gov
FREE

Where to Find: Click on Paying for LTC, then LTC Insurance under the Private Financing heading.
Offers good explanations of benefit choices, what long-term care policies cover, plan costs, designing coverage to meet your needs and where to buy. Includes useful links to related resources.