Their objective is to develop an insurance package that accomplishes the following goals.

GOAL 1: Greater Peace of Mind. The secret is to be able to look down the road recognizing real risks, but not creating ones that are not there. When a risk is identified, one should pass it along to an insurance company and then relax. No part of life, especially retirement, is totally worry free, but the more worries we can transfer to insurance companies, the better.

GOAL 2: Less Confusion and Frustration. For most people, insurance contracts are hard to understand. There are too many clauses, too many exclusions, and too much small print. Many capable people throw up their hands in defeat. This chapter should help simplify the problem.

GOAL 3: Money Saved. Senior discounts provide opportunities to stretch insurance money if people select the right policies and avoid duplication. Saving money in areas where people need less insurance means they get more protection where their need is greater.

GOAL 4: More Help from Insurance Agents. Among professional people, their insurance agent should stand beside their medical doctor and lawyer. The more they learn about insurance, the more effective they will be in building a sound, rewarding relationship with their agent. The better their relationship, the more help they should receive.