Jack Hungelmann



Insurance For Dummies gets highest ***** rating from Amazon.com readers!!


Great book, very imformative., May 14, 2002
Reviewer: Rick Bergami from Phoenixville, Pa USA

I bought this book because I was sick of just signing my insurance contracts. The author explained clearly the different types of insurance and made recommendations you can follow to save you time and money. This book was well worth the price since I have saved so much in insurance. This is also a must have for those of us that own rental properties.


Great resource!, September 5, 2001
Reviewer: A reader from Houston, TX United States

This is a must have for young families, professionals, and really everyone who has their own residence. Through this book I found out my "sueability" and really restructured my entire insurance plan. Most people won't believe how grossly underinsured they are!


This author actually make insurance interesting!!!, April 9, 2001
Reviewer: A reader from Boston, Massachusetts USA

I didn't think it was possible, but Jack Hungelmann made reading about insurance actually interesting. I cannot tell you how much money and time I have saved just by taking a few minutes here and there to look up specific topics in this book. It is really well-written, covers an incredible broad range of topics, and has a lot of funny and real-life stories which capture the topics. I will also continue to find it very helpful as a reference to refer to as new insurance issues come up. Trust me, this is the insurance book to buy and trust!


Great overview of all important insurance matters, March 9, 2001
Reviewer: A reader from San Francisco, CA United States

This book is a great comprehensive overview of all the important insurance matters one needs to be aware of in today's life in America. Too many young people like myself aren't aware of how underinsured (and therefore financially exposed) they are in the face of life's various perils until something terrible happens. This book does an excellent job at explaining in simple terms all the key facts and questions one needs to know and ask in order to get adequate protection.

Invaluable Insurance Tutorial, April 8, 2005

We bought this book well after we bought a home and cars, but just after buying umbrella insurance. We wish we had had it all along. Jack Hungelmann did a wonderful, thorough job in the daunting task of educating naive "dummies" like us who never did learn how the insurance pieces fit together and who never fully grasped the importance of protecting one's assets and future. Mr. Hungelmann obviously cares about his reading audience and wants us to learn how to protect ourselves. We grew up a little after finishing the book and attempting to correct some major gaps we had in our current coverages; these would have remained unrealized but potential financial disasters for us without Mr. Hungelmann's clarity.




Insurance For Dummies

Here is a sampling of some of the topics I cover to give you a better feel for its potential benefit to you.

  • How much liability insurance is enough

  • Measuring how sueable you are

  • How to choose the most cost-effective deductibles

  • When to drop Collision on older cars

  • Avoiding depreciation on home structural claims

  • How to avoid pitfalls when insuring valuables

  • Avoiding the big gaps of condo/townhouse insurance

  • Insuring a home business

  • Choosing the right umbrella policy

  • Getting paid what you deserve at claim time

  • How much life insurance do you need

  • The myths and mistakes of buying life insurance

  • The six ingredients of great health insurance

  • Continuing health insurance between jobs

  • What makes a great Medicare supplement

  • What you need to know when buying disability insurance

  • Managing insurance during life's major changes from birth to death

  • The ten most important insurance coverages

  • Helpful websites for flood insurance, Social security, Medicare, and locators for finding those agents near you, with greater expertise.



Selected Works

Books
Insurance For Dummies
A comprehensive consumer guide to buying insurance right and avoiding coverage pitfalls. (Click on the title to find out more about what this book can teach you and to see some reader reviews.)
Magazine Articles
Coverage—and gaps—for boats in the homeowners policy
This article describes the potential gaps in a typical homeowner's policy for renting boats.
An Equitable Solution To The 'Matching Problem'
Using the Pair and Set clause to resolve claim disputes involving mismatched roofing and siding for homeowners
Adapting the HO-6 To Cover Higher Association Deductibles
Protecting yourself if your condo association raises the master policy deductible to $25,000 and makes you responsible!
Amending Coverage When Clients Transfer Property
Avoiding serious coverage gaps when property ownership is transferred to trusts or adult children (American Agent & Broker)
Plugging Coverage Gaps for Owners of Small Businesses
Identifies the property and liability risks that face small business owners and Jack Hungelmann’s recommendation on how to protect themselves from each of them.
Web Site Articles
Choosing the Best Umbrella Policy: Case Study
This is the third and final part of my series on comparing personal umbrella policies. The premise for all three articles is the importance to the personal risk management process of knowing the strengths and weaknesses of the umbrella policies you have access to.
Managing Personal Automobile Insurance Risks Following Death
Identifying and managing auto coverage gaps following the death the named insured.
Time To Standardize Personal Umbrella Insurance Policies
Personal umbrella policies have been around for decades now—much like homeowners policies. But unlike homeowners policies, the insurance industry has failed to agree on standardized umbrella products so that agents and consumers alike know what they're buying.
Risk Management: Protecting Assets When Home Ownership Is Transferred to a Trust
It is becoming more and more popular with estate planning attorneys to try to reduce estate taxes on tangible property by transferring ownership of that property from an individual to a trustee of a trust.
Insurance for the California Wildfires
Answers to questions related to wildfire disasters.
In Praise of Personal Umbrellas
Jack Hungelmann shows readers the different examples of coverage gaps on primary policies that can be plugged by the right personal umbrella policy.
Creating and Using a Personal Umbrella Comparison Form
This article contains the Umbrella Comparison Chart Jack Hungelmann created that he uses to compare personal umbrella policies in his agency.
Managing the Risks of a Household Move
Selling one house and moving to another creates a plethora of added risks in your life. You cannot manage or treat risks unless you have identified those risks.
Umbrella Insurance: An Interview with Author and Insurance Expert Jack Hungelmann
Jack recently participated in a LoveToKnow.com interview and took time to answer a few questions about umbrella insurance.
Managing the Townhouse / Condominium Unit Owner Risk
Jack Hungelmann explains what the coverage pitfalls are of the basic HO-6 policy and addresses how best to avoid those pitfalls.
Creating a Long-Range Insurance Plan for the "Uninsurable"
Long-range life and health insurance planning for those with uninsurable chronic illness.
Government Programs for Uninsurable Chronic Medical Conditions
Jack Hungelmann identifies various laws such as COBRA, HIPAA, etc., that provide some protection for those people with uninsurable medical conditions.
Insurance Products for Uninsurable Chronic Medical Conditions
Jack Hungelmann identifies the various types of individual and group life, health, disability, and long-term care products available on the market.
Helping Clients Make Good Group Insurance Decisions
In a case study, Jack Hungelmann uses his risk management expertise to coach a family on group insurance decisions available to them for health, life, disability insurance from their employers.
Personal Risk Management: Making A World of Difference at Claim Time
It’s not enough for an agent serving as a personal risk manager to identify and treat with insurance from non-insurance strategies the various personal risks in a client’s life.
What Young-Onset Parkinsonians and Caregivers Need to Know about Insurance and Insurance-Related Government Programs
Insurance planning advice for those with any kind of chronic illness that makes them medically uninsurable in the open market
Plugging Liability Insurance Gaps with the Personal Umbrella Policy
A well-chosen personal umbrella policy can plug many of the liability insurance gaps of an underlying insurance program. Twenty coverage gaps are illustrated.
Finding and Hiring a Nanny
Co-authored by 2004 nanny of the year Michelle LaRowe. Practical advice for parents in identifying and managing the risks associated with hiring a nanny.
Writing Your Own Newsletter
Jack Hungelmann explains the importance of writing your own newsletter to agents wanting to offer risk management services to their personal lines clients.
Managing Major Medical Risks Following a Job Change
Risk management case study involving a 60+ year old couple on medical options available to them following change of employment. They are not yet eligible for Medicare, and one is medically uninsurable.
Managing the Nanny Risk
The identification of the risks associated with hiring a nanny and Jack Hungelmann's risk management strategies for handling each risk.
Personal Risk Management: An Overview
Details the 16 added services clients receive from Jack Hungelmann as part of the annual risk management fee they pay



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