Tony Steuer, Author at Insurance Thought Leadership



Tony Steuer

Tony Steuer

Tony Steuer connects consumers and insurance agents by providing “Insurance Literacy Answers You Can Trust.” Steuer, CLU, LA, CPFFE is a recognized authority on life, disability and long-term care insurance literacy and is the founder of the Insurance Literacy Institute and the Insurance Quality Mark and has recently created a best practices standard for insurance agents: the Insurance Consumer Bill of Rights. Steuer is a member of the California Department of Insurance Curriculum Board.

Steuer’s Questions and Answers on Life Insurance and the Questions and Answers on Life Insurance Workbook were winners of the Excellence in Financial Literacy Education Award from the Institute for Financial Literacy. Steuer is also the author of the Questions and Answers on Disability Insurance Workbook and his most recent publication: the Questions and Answers on Insurance Planner. Questions and Answers on Life Insurance has been named by Forbes as one of nine great investment books worth reading.

Steuer is a frequent speaker and media contact for print, online and radio.

Recent Articles by Tony Steuer

What to Know About ACA Open Enrollment

Open enrollment for individual health insurance policies is coming up. It is important to be aware of significant changes that will affect those applying for new coverage or changing coverage. Being familiar with these changes will help you successfully keep your health insurance and enroll. Since January, there have been multiple attempts to formally repeal […]

A Road Map for Health Insurance

Welcome to this special edition that will look at some simple solutions to the myriad of issues facing health insurance, Medicare, Medicaid and long-term care insurance, as well as the high cost of health expenses in retirement. Please note that the concepts that follow do simplify very detailed areas and as such are not complete […]

10 Insurance Questions for 2017

Love it or hate it, 2016 was a year that brought many surprises. And 2017 is looking like another year of unexpected outcomes. The saying goes, “May you live in interesting times.” And we are definitely living in interesting times, including in the insurance industry. Here are 10 insurance questions for 2017: 1. Will this […]

Insurance Disruption? Evolution Is Better

A significant part of the insurance industry and consumers have forgotten, for the most part, about why the industry exists. The policy holder pays into a pool through the insurance company and, if a certain event occurs, expects a claim to be paid. Very simple, right? So how has the insurance industry strayed so far […]

Why We Need a Consumer Bill of Rights

As common as insurance is, most people do not understand this complex financial instrument. According to the Bureau of Labor Statistics Consumer Expenditure Survey (2014), insurance is a consumer’s fifth highest monthly expenditure behind housing, transport, food and pensions. For many Americans, if you add up all types of insurance (auto, health, etc.), monthly total premiums […]

The Case Against Whole Life Policies

One of the longest-running and most heated-discussions is about who is the greatest quarterback of all time. Many will say Joe Montana, but others will go with Tom Brady or Peyton Manning (among others). This discussion depends on your viewpoint and what you feel is valuable. At one time, the common answer may have been […]

It’s Time for a Consumer Bill of Rights

On April 6, 2016,  the Department of Labor (DOL) released its long-awaited fiduciary rule. It is clear that things will never be the same. While the fiduciary rule is limited in the products that it applies to, it is a clear sign that the time has arrived for the Insurance Consumer Bill of Rights. Some complain […]

Can Long-Term Care Insurance Survive?

Why are long-term care insurance premiums rising faster than a speeding elevator? And what will become of the long-term care insurance marketplace? If you are interested in long-term care insurance, what’s going on and what may happen, read on.  If you have no interest in long-term insurance, then this is not the article you are looking […]

A Risk-Free Life Insurance Policy? (No)

Is your life insurance policy risk-free? At its core, a cash-value life insurance policy consists of three components: interest rates/dividend rates, mortality costs (cost of insurance) and expense charges. And, over the last 10 years, interest rates have been at historic lows. They are often lower than the guaranteed interest rates on universal life insurance policies. […]

13 Emerging Trends for Insurance in 2016

Where does the time go?  It seems as if we were just ringing in 2015, and now we’re well into 2016. As time goes by, life changes, and the insurance industry—sometimes at a glacial pace—does, indeed, change, as well. Here’s my outlook for 2016 on various insurance topics: Increased insurance literacy: Through initiatives like The Insurance Consumer Bill of […]

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