People in my professional circle ask me why I am writing about universal life insurance. They know I work in software customer service and universal life insurance is not something I should know much about. I am not expert on the subject - so why write about it? More importantly, who would want to read what I write about the topic. They are right on some counts. I do not sell insurance and I am not an agent. (I do have some high school class mates that sell insurance and my step mother worked for State Farm for many years as a receptionist. I am not counting that towards my qualifications to write about insurance.) The one thing that my colleagues fail to see is the value in writing about a topic that I have no expert knowledge about. I think that people dig that, they want someone to tell them about their experiences, explain things in non-expert ways, ESPECIALLY about a topic most heinous-Insurance. (Sorry insurance people)
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| Blaugh.com (Fitz & Pirello) |
I must confess, though, I am getting my Master’s degree in Education. (See my
Instructional Designers blog) Instructional Design Technology (IDT) is my concentration and this is a fairly new educational arena. (If you are interested in reading more about instructional design,
Christy Tucker has a great page that explains what we do.) In a nutshell, IDT’s work with “Subject Matter Experts” to interpret, translate, pick out the fine points of a topic and present it in a way that learners can learn it. I think you can see where this might be going. Through my trials with finding the right insurance policy, the instructional designer in me said “Wow, Insurance is a bear to understand. I bet other people have the same type challenges.” So—I decided to put my IDT skills to work and tackle
Fixed Index Universal Life Insurance.
Now, it is hard to believe that someone would want to write about Fixed Index Universal Life insurance and not have some underlying personal or monetary interest. You are right; I do have some of that going on. You
won’t get to the end of this blog and see that this was a “paid for” advertisement or “for just 20 bucks-you can buy my e-book”. My hope is that this blog will lead me to a possible job in instructional design. It is part of my virtual portfolio and maybe, just maybe, someone will recognize my
mad skills at taking a tough topic and making it understandable. Also, I would not turn down the extra web traffic, and maybe get some extra change using ads on my blog- but that is really it.
I did a lot of research for FIUL’s on the internet, looked for companies that offered them and found a mediocre showing of information. So, I started calling those companies that offered this type of insurance, and I asked a lot of questions. I have talked to the real FIUL experts. I am also the proud owner of my own Fixed Index Universal Life Insurance policy and definitely feel a sense of relief about my own personal retirement. (There is an idea...maybe I can get a discount for some referrals.) Seriously, though -I want to share this information and these experiences with you. I want to share other people’s stories about their journey in finding and funding their FIUL. I want to share stories of people that have retired and are enjoying their policy for its true value. What is that like, how is that going? (If you have a story, please
email it to me and I will gladly share it).
Next we will talk life insurance definitions and what
fixed index means.
