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MyFinanceOnline
Patrick West
UAB School of Business
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In this personal finance video series on insurance, Patrick West, with the UAB School of Business covers a wide range of topics that could be of importance to your and your financial needs. Topics such as the role of risk, what you can do to reduce your premiums, how to buy insurance, purchasing life insurance, should you buy life insurance for your kids and much more are covered in this series. Watching this video series could go a long way to help you understand the need to minimize your risks.
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In this personal finance segment, we cover the relationship between the amount of risk to be covered and your insurance premium. We also cover the role of liability risk and how insurance companies use the theory of large numbers to cover risk. |
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Did you know that your health and lifestyle can play an important role in the cost of your insurance policy? In this personal finance segment, we cover how lifestyle and health patterns can affect your rates and what you can do to minimize your risk. |
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Exactly what type of insurance do you need? Should you buy insurance for all types of risk? What areas can you self-insure? All of these questions are covered in this personal finance segment on insurance. |
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You have decided that you need insurance, but how do you go about buying it? What are some factors that you need to understand that can affect your premiums? Why the agent and company that you select are important, plus other important topics on how to buy insurance are covered in this personal finance video segment. |
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If you have young kids, the need to have life insurance is much greater than if you don't. In this personal finance video segment, we also cover the question, do you need life insurance? |
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In this personal finance video segment on life insurance, we cover the three main types of life insurance-Term, Whole Life and Universal Life. This segment has a focus on term insurance and why if is important to pay with a bank draft. |
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In this personal finance segment, we cover Level and Decreasing Term policies along with Whole Life insurance. We also cover the fact that insurance isn't an investment, but rather an income replacement program. |
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In this personal finance segment, we cover Universal Life insurance. We also cover the fact that you need to do some research to find out which type of policy works best for you and your family's insurance needs. |
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In this personal finance segment, we identify who needs to be insured. Although insurance is an income replacement program, you also need to factor in the cost of services that your spouse provides. Who is going to get kids to school, piano lessons, prepare meals and other areas is you have to work all day? |
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In the unfortunate event that your spouse dies and you get the proceeds of the insurance policy, where and how do you invest it? Some of the key factors include diversification, inflation, will you need more money each year, how much money can you expect from your investments, plus other topics are covered in this personal finance segment. |
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In this personal finance video segment, we cover the question, should you buy life insurance to cover your children. Should you factor in Social Security or company group life insurance policies into your need for life insurance. |
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In this personal finance video segment, we cover who should own the life insurance policy, what is a beneficiary and the need for an estate planning attorney. |
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