Testimonials

"Many life insurance policies, by design, will never pay a death claim. A 1993 Penn State University study stated that less than 1% of term insurance is ever paid in a death claim."

"When we try to make sound and responsible decisions about financial products available to us, many times we are left floundering. Tom's book brings to light the proper information about money and financial products that we, the consumer, need to know. Tom is a consumer advocate and he truly will teach you through this book to maximize your money decisions. This is "must read" book for anyone wanting to get the most out of their money decisions. Basic training concepts are shared in an effective way so that everyone who reads this book will appreciate the efforts of Tom Young. You are in for a real treat! We all truly desire to be efficient and effective when making financial and insurance decisions. This book will walk you through that path thanks to Tom Young and his desire to get the word out." - Jody Victor, Past President, IBOAI	Price: $19.95 US Publisher: Personality Insights Press ISBN 0-9741760-8-7 CE Credit approved in several states!
"This book illustrates, demonstrates and teaches the flexibility and power of Whole Life insurance. Tom Young has clearly defined the risks associated with insurance products that out live their owners, fall short of being fully funded, and in many cases, pass the financial risk on to the insured. This book could change the way you look at life insurance and your own personal financial planning." - Charles F. McAleer III, CLU, ChFC, LLIF, RHU Senior Vice President, Sales & Marketing MTL Insurance Company
"Make an excellent text book for a college class or adult class. Good information. I couldn't help but conclude, the whole insurance industry is totally surrounded by ethical or unethical players. You get good advice or you get the latest promotion. A lot of hype in many cases. Always felt comfortable with you, and trusted your advise." - J. Meneely, Treasurer, Pittsburgh Tube Company, Retired
"If there ever was a right book at the right time, this one is it. Tom makes the case that the right time for dealing with the complexities of life style and money is always now. Tom's book manages to bring to your attention a way to rethink the economics of life style. The notion that we can stop working "whenever we want to" doesn't stand a chance without applying the principles Tom provides to the equation." - D. Clayton , DMD