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	<title>The Life Insurance Toolbook</title>
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	<itunes:author>The Life Insurance Toolbook</itunes:author>
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		<title>Meeting the Need for Financial Literacy in America</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/05/03/meeting-the-need-for-financial-literacy-in-america/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/05/03/meeting-the-need-for-financial-literacy-in-america/#comments</comments>
		<pubDate>Tue, 03 May 2011 22:12:41 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Financial Literacy]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[financial literacy]]></category>
		<category><![CDATA[financial planning]]></category>
		<category><![CDATA[Institute for Financial Literacy]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=774</guid>
		<description><![CDATA[Americans need access to educational programs on personal finance that are useful and unbiased as we continue to face tough economic times. People are in greater need of unbiased information to aid them in budgeting, saving, and financial planning. ]]></description>
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		<title>Explaining the Terms of Term Life Insurance- Q&amp;A with Tony Steuer</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/05/02/explaining-the-terms-of-term-life-insurance-qa-with-tony-steuer/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/05/02/explaining-the-terms-of-term-life-insurance-qa-with-tony-steuer/#comments</comments>
		<pubDate>Mon, 02 May 2011 18:06:17 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Life insurance]]></category>
		<category><![CDATA[Questions and Answers on Life Insurance]]></category>
		<category><![CDATA[Tony Steuer]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=771</guid>
		<description><![CDATA[The following was originally published by www.insurancequotes.com: Q: Is all term life insurance created equally? Does it matter which type of term policy that I end up with? Is the lowest cost always the best option? A: All term life insurance is not created equally. There are minor to major differences in the types of...]]></description>
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		</item>
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		<title>Deloitte Releases Report on Insurance Industry Outlook for 2011 &amp; Beyond</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/04/13/deloitte-releases-report-on-insurance-industry-outlook-for-2011-beyond/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/04/13/deloitte-releases-report-on-insurance-industry-outlook-for-2011-beyond/#comments</comments>
		<pubDate>Wed, 13 Apr 2011 17:00:52 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Ratings]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=762</guid>
		<description><![CDATA[Deloitte, LLP has released an interesting report on the outlook for the insurance industry for 2011 &#38; beyond.  The insurance industry is facing many challenges and changes and this report is a good overview.  You can access the report from the Deloitte Website in PDF format at: http://www.deloitte.com/assets/Dcom-UnitedStates/Local%20Assets/Documents/FSI/US_FSI_InsuranceOutlook_020211.pdf Tony Steuer, CLUCalifornia Life and Disability Insurance AnalystAuthor:...]]></description>
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		<title>A.M. Best to hold a Webinar on State of the Life and Annuity Insurance Sectors</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/04/12/a-m-best-to-hold-a-webinar-on-state-of-the-life-and-annuity-insurance-sectors/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/04/12/a-m-best-to-hold-a-webinar-on-state-of-the-life-and-annuity-insurance-sectors/#comments</comments>
		<pubDate>Tue, 12 Apr 2011 17:00:59 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Ratings]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=758</guid>
		<description><![CDATA[AM Best has announced a webinar on the State of the Life and Annuity Insurance Sector &#8211; from the press release:A panel of A.M. Best analysts will assess the state of the U.S. life and annuity insurance sectors in a webinar set for 2 p.m. ET Thursday, April 14. Register at no charge at: http://www.ambest.com/webinars/la11/index.html Topics...]]></description>
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		<title>Weight, traffic violations can affect your life insurance costs: Q&amp;A with Tony Steuer</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/04/11/weight-traffic-violations-can-affect-your-life-insurance-costs-qa-with-tony-steuer/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/04/11/weight-traffic-violations-can-affect-your-life-insurance-costs-qa-with-tony-steuer/#comments</comments>
		<pubDate>Mon, 11 Apr 2011 16:58:21 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=753</guid>
		<description><![CDATA[The following was originally published by Insurance Quotes.com: Q: I&#8217;m considering buying a term life insurance policy and have a couple of concerns. My friends have told me that since I’m a little overweight, my life insurance could end up costing more. Is this true? Also, I’ve got a couple of traffic violations — could...]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Married Parents Carry Life Insurance More Often Than Single Parents.</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/04/08/married-parents-carry-life-insurance-more-often-than-single-parents/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/04/08/married-parents-carry-life-insurance-more-often-than-single-parents/#comments</comments>
		<pubDate>Fri, 08 Apr 2011 20:35:42 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Life Insurance]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=693</guid>
		<description><![CDATA[According to a recent study by Genworth Life and the University of Virginia Darden School of Business &#8211;  55% of married parents with children living in their home have life insurance, while only 31% of single parents with children living in their home have life insurance. Gregory Bucko, director of Customer Innovation at Genworth Financial companies...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>A.M. Best Analysts: Life Insurers Rating Outlook Remains Stable</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/04/04/a-m-best-analysts-life-insurers-rating-outlook-remains-stable/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/04/04/a-m-best-analysts-life-insurers-rating-outlook-remains-stable/#comments</comments>
		<pubDate>Mon, 04 Apr 2011 17:09:25 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Ratings]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=724</guid>
		<description><![CDATA[In a press release dated March 31, 2011 &#8211; A.M. Best stated that the rating outlook for the life/annuity segment is stable.  Per A.M. Best,  the U.S. life and annuity sectors are learning to adapt to a world in which &#8220;black swan&#8221; events are becoming more frequent. However, with the slow but steady improvement in...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>AM Best Announces Webinar on the State of the U.S. Life Insurance Sector</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/04/01/am-best-announces-webinar-on-the-state-of-the-u-s-life-insurance-sector/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/04/01/am-best-announces-webinar-on-the-state-of-the-u-s-life-insurance-sector/#comments</comments>
		<pubDate>Fri, 01 Apr 2011 16:07:40 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Ratings]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=720</guid>
		<description><![CDATA[A panel of A.M. Best analysts will assess the state of the U.S. life and annuity insurance sectors in a webinar set for 2 p.m. ET Thursday, April 14. Register at no charge at : http://www.ambest.com/webinars/la11/index.html Topics will include financial outlook and results, risk management issues, the impact of interest rates, the investment environment and the role...]]></description>
		<wfw:commentRss>http://www.lifeinsurancetoolbook.com/2011/04/01/am-best-announces-webinar-on-the-state-of-the-u-s-life-insurance-sector/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>How a Life Insurance Policy Review can help an advisor and a consumer</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/03/31/how-a-life-insurance-policy-review-can-help-an-advisor-and-a-consumer/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/03/31/how-a-life-insurance-policy-review-can-help-an-advisor-and-a-consumer/#comments</comments>
		<pubDate>Thu, 31 Mar 2011 16:54:47 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Articles]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Policy Reviews]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=716</guid>
		<description><![CDATA[The following was originally published by (lifeinsuranceselling.com) - http://www.lifeinsuranceselling.com/Exclusives/2011/3/Pages/4-policy-review-selling-opportunities.aspx.  Though the article is geared towards advisors, a consumer can use this a guideline for why they should review their policy with a qualified agent. 4 Policy Review Selling Opportunities There are many existing life insurance portfolios that are “chaos in waiting.” Helping those whose life...]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Do your financial homework before choosing a life insurance company: Q&amp;A with Tony Steuer</title>
		<link>http://www.lifeinsurancetoolbook.com/2011/03/29/do-your-financial-homework-before-choosing-a-life-insurance-company-qa-with-tony-steuer/</link>
		<comments>http://www.lifeinsurancetoolbook.com/2011/03/29/do-your-financial-homework-before-choosing-a-life-insurance-company-qa-with-tony-steuer/#comments</comments>
		<pubDate>Tue, 29 Mar 2011 16:58:57 +0000</pubDate>
		<dc:creator>Tony Steuer</dc:creator>
				<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[Ratings]]></category>
		<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.lifeinsurancetoolbook.com/?p=710</guid>
		<description><![CDATA[The following was originally published by Insurance Quotes.com: Q: How do I know where I should buy life insurance? Which insurance company should I pick? There are a lot of life insurance companies out there and many of them advertise on TV, so I’m not sure which life insurance company to trust. A: This is...]]></description>
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