Aarp Annuities Reviews

TENANTS DIRECT AUTO INSURANCE RENTER'S INSURANCE LIFE HEALTH ...
Tenants direct auto insurance renter's insurance life health annuities condo home insurance ... View Video

Missouri DIFP 2010 Annual Report
Eichelman, senior state director of AARP Missouri State Office; DIFP Director John Huff; annuities, prepaid dental plans, HMOs and others. Reviews insurance policies, rates, ... Retrieve Full Source

Life Insurance: Whole Life Vs. Term Insurance (Part 1) - YouTube
Life Insurance Term Whole Life Cash Value Quotes AIG Farmers types Companies aarp Cost Term vs. Whole Life Rates Reviews Education Tips Basics Personal Finance 101 How Much Term Life Insurance Books Life Insurance Calculator Life 8:02 Index Annuities Explained by ... View Video

NY3 AARP Tax-Aide Newsletter
IRS reviews have shown that failure to diligently include these steps in the process has a significant impact on the Annuities that begin AFTER retirement DO NOT qualify for the NYS Tax For AARP owned and donated computers, ... Fetch Content

New York Life Insurance Co. - Exam Report
Initial legal reviews of certain derivative transactions at the time of execution prior to signing the annuities, group life and group accident and health membership association policies, American Association of Retired Persons (“AARP”), ... Fetch Here

CERTIFICATE AS TO PARTIES, RULINGS, AND RELATED CASES
(Respondent); and AARP (Amicus). Petitioner National Conference of Insurance Legislators has advised that it intends to seek to participate as an amicus curiae annuities held that they satisfied the Rule 151 safe harbor. Malone, 225 F. Supp. ... Fetch Content

Financial Abuse Of The Elderly In California
Loyola of Los Angeles Law Review Law Reviews 1-1-2003 Financial Abuse of the Elderly in California LIVING TRUSTS AND ANNUITIES SALES "Without a living trust you will not believe what probate will AARP, Port Charlotte, FL), ... Return Doc

Long-term Care - Wikipedia, The Free Encyclopedia
A 2006 study conducted by AARP found that most Americans are unaware of the costs associated with long-term care and overestimate the amount that government programs such as Medicare will pay. ... Read Article

AARP Foundation
Charitable gift annuities payable 6,436 5,861 Bonds payable (Note 9 Foundation management reviews and AARP retains the option of lending its securities to third parties as a tool to defray fees and ... Document Viewer

Life Insurance: Term Vs Whole Life. Basic Tips And Strategies ...
Life Insurance Term Whole Life Cash Value Quotes AIG Farmers types Companies aarp Cost Term vs. Whole Life Rates Reviews Education Tips Basics Personal Finance 101 How Much Term Life Insurance Books Life Insurance Calculator Life Insurance Don't Buy Annuities! by ... View Video

Membership Benefits Handbook 2011 - AARP - Health, Travel ...
AARP Foundation / Charitable Giving / Volunteering 22 | Home & Community Resources This annuity program gives you access to immediate annuities that help protect against the risk of outliving your savings. These group annuities ... Document Viewer

Can 1 + 1 = 3? A Look At Hybrid Insurance Products With Long ...
The AARP Public Policy Institute, formed in 1985, is part of the finite period. Annuities can be deferred, which means that the annuity payout occurs at a may eventually help expedite multi-state reviews and approvals. ... View Full Source

Www.cobar.org
AARP Liaison: Elizabeth Tulloch and Dennis Valentine – passed for now. iii. the benefits and costs, and the tax consequences. He labelled his talk “Annuities 101.” He reviews 40-50 investment plans per month. They are often oversold. ... Document Viewer

SALUD / SEGURIDAD FINANCIERA / COMUNIDAD / AYUDAR / DISFRUTAR ...
And book and movie reviews. AARP Bulletin The award-winning AARP Bulletin is 50+ American’s go-to This annuity program gives you access to immediate annuities that help protect against the risk of outliving your savings. These group annuities ... Fetch Content

ORAL ARGUMENT SCHEDULED FOR FRIDAY, MAY 8, 2009 No. 09-1021 ...
Company of North America; AARP; North American Securities Administrators Association, Inc.; and MetLife, Inc. There are no intervenors. “annuities” are not “annuity contracts” under Section 3(a)(8) .. 13 3. SEC v. United Benefit: the ... Get Doc

Facilitates access to returns by another counselor for quality reviews. At this time, AARP and the IRS do NOT approve of or (line 12) Press F9 and link to Schedule CEZ Capital Gains (line 13) Press F9 and link to Schedule D Pensions and Annuities – total (line 16a) Press F9 and ... Doc Viewer

You And Your Spouse: A Retirement Planning Checklist
Annuities can be an additional source of income in retirement, frequency with which their retirement portfolio reviews take place. Given that couples will need to manage a number of income sources in retirement, it is important to consider ... Access Content

2011 Competitive Review
* See individual Union Plus Program competitive reviews to see full comparisons with AAA, AARP and other market leaders. Page 9. COMPETITIVE REVIEW: ∎ More features and lower fees than fixed immediate annuities offered through AARP and other programs. ... Read Here

1. US GOVERNMENT ACCOUNTABILITY OFFICE REPORT
AARP REPORTS, PRIME-TIME RADIO: "Deferred Annuities and Strategic Asset Allocation," by Wolfram J. Horneff and Raimond H. Maurer This paper reviews the evidence on the well-known positive association between socioeconomic status and ... Retrieve Doc

IMULATION ODELING ON IFE ARE NNUITY - ASPE
ASPE develops or reviews issues from the viewpoint of the Secretary, providing a link annuities or life insurance with long-term care protection. 6. The AARP LTCI Plan premium calculator Flexchoice: ... View Document

Aarp Annuities New York Life

1035 Exchange 05.19.10
1035 EXCHANGE FORM New York Life Insurance and Annuity Corporation (NYLIAC) is the issuer of annuity plans for the AARP Lifetime Income Program. ... Access Document

Deferring Social Security Benefits
AARP Website: www.aarp.org Windfall Elimination Provision: In New York, Pacific Life & Annuity Company P.O. Box 2829 Omaha, NE 68103-2829 (800) 748-6907 www.PacificLifeandAnnuity.com Interested in this or other ideas for ensuring that your retirement income ... Doc Viewer

New York Life Global Funding
Products through NYLIAC to the American Association of Retired Persons ("AARP"). New York Life and its primarily associated with a shift in sales of Single Premium Immediate Annuities (“SPIAs”) from New York Life to its subsidiary, NYLIAC. ... Read Full Source

New York Life Insurance Company
Annuities •“Best in Class New York Life AARP Operations Metric NYL Average Industry Average Top Box Caller Satisfaction 87% 66.47% Bottom Box Dissatisfaction .43% 6.29% 1st Call Resolution 83.59% 81.19% Agents Calls Per Hour 9.6 7.28 Average Speed of Answer 15 33.4 ... View Document

Best’s Rating Report
New York Life Insurance Company NEW YORK LIFE INSURANCE COMPANY 51 Madison Avenue New York, NY 10010 Web: www.newyorklife.com annuities to AARP members, and the Group Membership Association Division (GMAD), which sells life insurance and related ... Get Content Here

AARP Caregiving Help And Advice From Genworth TV Commercial ...
0:37 Genworth Annuities 1.888.947.2660 by jsstrippler12 15,989 views 2:02 New York Life/ AARP June 2011 by kansasmalexander 1,923 views 1:01 New AARP Commercial by HearUSA 321 views 2:14 100 Year Old Bride - AARP by aarp 560,524 views ... View Video

GROUP MEMBERSHIP ASSOCIATION BENEFICIARY CHANGE REQUEST
New York Life is not obligated to inquire about the terms of any Trust affecting this policy or its proceeds, and shall not be held responsible for ... Fetch Doc

Is AARP Looking Out For You? Life Insurance And Annuities
AARP teams up with AAA-rated New York Life to make these offerings. We analyzed them to answer the question: Does the AARP AARP Annuities Annuities come in many varieties, but they’re all designed to do one thing: provide a stream of ... Retrieve Content

New York Life Insurance
Annuities. New York Life has added products and services such as mutual funds for individuals. policies sold through AARP and other affinity groups or professional associations. The company, through New York Life International, is also reaching out geographically, targeting areas such as Mexico ... Read More

Genworth Financial Simplifies The Process Of Purchasing ...
Genworth Life Insurance Company of New York, Administrative Offices: Richmond, Virginia. including credit cards, auto and home, mobile home and motorcycle insurance, and life insurance and annuities. AARP Financial also provides access to proprietary investment products and ... Content Retrieval

ABOUT NEW YORK LIFE
(life, annuities and long-term care) and asset accumulation products, such as mutual funds.* term care insurance sold by New York Life agents. AARP Life Insurance Program, based in Tampa, Florida, underwrites, administers and direct markets life insurance ... Retrieve Here

Home Insurance Water Damage - What To Do About Water Damage ...
Life Insurance & Annuities; Health Insurance; Disability Insurance; Umbrella Insurance; Renter's Insurance; Long Term Care Insurance; RV & Motorcycle Insurance; Boat Insurance; Dental Insurance; Personal Property Insurance; Travel Insurance; Pet Insurance; Personal Insurance. ... Read Article

AARP Drive To End Hunger SD63 - YouTube
16:53 Jane Cline, Annuities Investment SD 39 by wvsao 33 views 2:28:07 Jung & Aging: Bringing to Life the Possibilities & Potentials for Vital Aging (1) by LibraryOfCongress 708 views 2:02 New York Life/ AARP June 2011 by kansasmalexander 1,923 views ... View Video

The 2012 Life Insurance Conference (2012) - LOMA Home Page
Program Manager AARP Services Senior Director, Insurance Products AARP Services SVP Life Insurance & Annuities Practice Manager Drinker Biddle & Reath Assistant Actuary New York Life Assistant Vice President New York Life ... Read More

As A Starting Point For Reference, We Collect: TYPES OF MATERIALS
Variable Annuities, Fixed Annuities, etc. Any Communications Airlines, Hotels, Cruise Lines, Car Rental, etc. Fidelity Prudential New York Life Pfizer Johnson & Johnson AARP Paypal (bill me later or credit card) Fingerhut Upromise: TYPES OF MATERIALS. Telecommunication. ... View Doc

Colonial Penn Life Insurance Commercial (1995) - YouTube
1:47 Banned AARP Commercial by boonedognewz Featured 5,288 Life Insurance & Annuities TV Advert by AvivaMedia 16,460 views 2:08 Max New York Life Insurance -Smart Steps Unit linked child plans by karozyaadakairaada 79,803 views 2:01 Early AOL Commercial (1995) ... View Video

new york life
Since 1994, New York Life has partnered with AARP as the sole endorsed provider of life insurance to the group’s 36 million members. 2005 was high- Investment sales include new of annuities, mutual funds and other investment-related products ... Retrieve Content

Deciding When To Take Your Benefits - Pacific Life - Annuities
AARP Website: www.aarp.org Windfall Elimination Provision: In New York, Pacific Life & Annuity Company P.O. Box 2829 Omaha, NE 68103-2829 (800) 748-6907 www.PacificLifeandAnnuity.com. Title: Deciding When to Take Your Benefits Author: ... View Full Source

Membership Benefits Handbook 2011 - AARP - Health, Travel ...
This annuity program gives you access to immediate annuities that help protect against the risk of outliving your savings. AARP Life Insurance Program from New York Life Insurance offers you a range of features and benefit options, and you don’t need a ... Return Doc

Claims Department At Corporate Vice President, New York Life
New York Life Insurance and Annuity Corporation AARP Operations Claims Service P.O. Box 30713 Tampa, FL 33630-3713 REV20060517ACF Dear Beneficiary: ... Get Content Here

NEW YORK LIFE INSURANCE COMPANY
New York Life Insurance Company NEW YORK LIFE INSURANCE COMPANY 51 Madison Avenue New York, NY 10010 Web: www.newyorklife.com annuities to AARP members. Through an exclusive marketing arrangement with AARP, NYL directly markets life insurance and ... Fetch This Document

SALUD / SEGURIDAD FINANCIERA / COMUNIDAD / AYUDAR / DISFRUTAR ...
This annuity program gives you access to immediate annuities that help protect against the risk of outliving your savings. AARP Life Insurance Program from New York Life Insurance Company offers you a range of features and benefit options, and you don’t need a ... Get Content Here

New York Life Insurance Co. - Exam Report
New York Life International, Inc. The Company is authorized to write life insurance, annuities and accident and health American Association of Retired Persons (“AARP”), with which it has a marketing arrangement for selling to AARP members. ... Content Retrieval

L I F E L I N E S U.S. Postage PAID 5505 West Cypress, Tampa ...
A publication of the AARP Life Insurance Program from New York Life FALL 2009 L i f e L i n e s Making Your Money Work Easy Tips For Creating A Budget Presorted Std Foundation as a beneficiary on their life insurance policies, annuities, or retirement accounts. Learn more at www.aarp.org ... Fetch Doc

About Experts Sitemap - Group 31 - Page 29 2012-08-30
New life health, fixed annuities not their review of your application. ALso, I did forget that the AARP business has recently shifted The day that I first came into the life insurance industry I was shown a picture of a man receiving a check from New York Life for the full vaue ... Read Article

Aarp Annuities Rating

Case Studies In Enterprise Architecture
•Annuities •Individual Retirement Exp Rating C L MAINFRAM E ARP CAS HIG CAS CCPS P r e p r o c e s s o r BLC Y TD C l o s e d CS-CAS ECLIPS FOCS Daily Outp u t LIS New TABS AARP, Old TABS AARP HORIZ ON SHARP P r e m i u m R e s e r v e Speci al ty & ... Document Viewer

SUPPLEMENT/ANCILLARY TITLE - The McGraw-Hill Companies
We conclude the chapter with a discussion on how annuities provide security to individuals. LEARNING OBJECTIVES CHAPTER SUMMARY Rating Insurance Companies. B. Comparing Policy Costs. C It’s From AARP, But is it a Good Deal? (American Association of Retired Persons) Anne ... View Document

Understanding Social Security Brochure - Pacific Life - Annuities
Annuities Whether or not you decide to delay taking Social AARP Website: www.aarp.org Windfall Elimination Provision: from major independent rating agencies. Ratings may change and do not apply to the safety or ... Get Content Here

Overview Of Medicare
Annuities Home Equity Trusts Assets/ Income Other Insurer’s Rating – Lower payment to viator if life insurance company has an A.M. Best rating of B+ or lower. http://www.aarp.org/revmort/ www.reversemortgage.org. www.viatical.org. ... Get Content Here

Middle-Income Boomers And Retirement - Insured Retirement ...
Rating™: Retirement Income Preparation and Future Prospects,” EBRI issue Brief, no. 344 A recent report from the AARP Public Policy Institute estimates that that own non-qualified annuities have incomes less than $100,000 and nearly two-thirds earn less ... Get Content Here

A WEB SITE GUIDE BOOK FOR A VARIETY OF ISSUES: PREPARED BY Dr
Other Rating services: forrester.com; keynote.com; ragingbull.com; investorguide.com; janus.com; fidelity.com; quicken.com; aarp.org; ssa.gov; troweprice.com. mfmag.com; findafund.com; mfea.com ; finance.yahoo.com Insurance Product called Annuities : sites: annuity.com; annuityscout ... Get Content Here

Www.myceisonline.com
(or have turned) 50 and are eligible for AARP. When they turn 50, some have provided for their retirement and Annuities are not as easily converted into cash the company offering the extra-credit has a lower rating than the existing annuity carrier. This is not to say that extra ... Retrieve Content

Bibliography - Long Term Care - National Association Of ...
NAIC Guidance Manual for Rating Aspects of the Long Term Care Insurance Model Regulation, NAIC, Long term care annuities’ tax advantage, AARP To NAIC: Consumers Want LTC Information, Jim Connolly, National Underwriter ... Get Doc

Insured Retirement Institute - IRI Conferences
Morningstar Rating for the Period Ending December 31, 2010 on annuities, retirement, mutual funds, brokerage, banking and credit cards. AARP Services Michael Kazanjian AVP, Annuities Marketing Director Lincoln Financial Group ... Access Doc

How Do We Intend To Develop The U.S. Life/Health Market?
Financial Strength Rating 3) not available. Protective/West Coast Life 86 17% AA American Association of Retired Persons (AARP) ÆGuaranteed benefits on variable annuities 21. WHAT WE DON'T DO. Senior market. ... Return Doc

Insurance Advisory Committee Meeting Minutes, July 25, 2006
Eliminated language regarding charitable annuities regulation. 2 2. Adopted B. SB 501 Transparency bill makes health data available and other information with current rating process. Report will be on web AARP? Laura Etherton is the new representative from OSPIRG. 2. Drafts of ... Fetch This Document

RRI Presentation For Fi360 5-2-10
Passenger cars or light trucks with a gross vehicle weight rating (GVWR) of •$1.5 trillion in Annuities Source:ICI9/2009 PLUS In the AARP study workers age 45‐70 were asked what they ... Fetch Doc

2007 Annual Report - The Actuarial Foundation
AARP Loyola Elder Law Initiative Rating Variable.” Edward Furman,University of Haifa, and Ricardas Zitikis, University of Western Ontario, a grant for their project “Weighted Premium Calculation Principles Hedging Equity-Indexed Annuities Using ... Fetch Doc

CHIFF - Schiff's Insurance Observer: The World's Most ...
Atlanta rating bureau owned by 196 fire-insurance companies that, “Variable annuities! Surplus notes! (AARP). The officers achieved a small victory, however, when they convinced the AARP not to oppose the compact. ... Access Document

CALIFORNIA SENIOR LEGISLATURE
SB 1609-Senator Simitian—Reverse Mortgages: Annuities: RX AFFORDABILITY---Excerpts from AARP-CA ADVOCACY HIGHIGHTS 3. Undermine valuable rating rules that prevent insurers from discriminating based on health 4. ... Fetch Document

Papers And Publications By Office Of Tax Analysis Staff, 4-27 ...
A., and Lurie, I. “Community Rating and the Market for Private Non-group Health Insurance.” Journal of and Warshawsky, M. “Tax Issues and Life Care Annuities,” in John Ameriks and Olivia S. Mitchell, eds. Recalibrating Retirement Spending AARP Public Policy Institute ... Document Retrieval

Aarp Immediate Annuities

SUPPLEMENT/ANCILLARY TITLE
Types of annuities: Immediate annuities are generally purchased by people of retirement age. Visit the Web site of the American Association of Retired Persons (AARP) at www.aarp.org. Locate the AARP Home Equity Information Center, ... Fetch Document

MEDICAID ESTATE RECOVERY INFORMATION - The Village Of ...
Through our clients with immediate nursing home situations is that there is AARP, the Alzheimer's Association, the Leadership Council of Aging Ohio Medicaid annuities can be extremely powerful tools in planning for long- ... Read Here

ANAGING F TER EATH - North Carolina Cooperative Extension ...
I. IMMEDIATE CONCERNS Another resource for legal referral is the AARP Legal Services Network directory. AARP net-work lawyers offer a free initial consultation (up to 45 minutes), decedent were receiving Social Security annuities, ... Fetch Here

Presentation Title
How can fixed annuities help? (next slide) *AARP “Before You Buy,” 1997. immediate, and private access to their inheritance. Read Slide Take a moment and think about the amount of income you will need to live in retirement, just to purchase the necessities. ... Fetch Doc

Sharpe Gift Planning Seminars Sharpe Gift Planning Institute 2012
AARP Foundation Alzheimer’s Association gift annuities and gifts of real estate with retained life interests. Session 6 - Gifts From Special-Use Plans 3:45 – 4:50 p.m. gift to fund an immediate gift for capital or other purposes. ... Retrieve Here

Maine Senior’s Guide To Financial Protection
Telemarketers frequently are pushy and ask for immediate decisions. (AARP), toll free 1-888-687-2277, or write: AARP, 601 E Street NW Washington, and Ten Things You Should Know About Buying Fixed Deferred Annuities. ... Retrieve Content

2004 I-117 Form 1a, WI-Z, & TeleFile Instructions, Wisconsin ...
Security, pensions, annuities, and IRAs AND • Have no adjustments to income (except deductions for Get an immediate confirmation that your tax Assistance (VITA) site or at any AARP sponsored Tax Counseling for the Elderly (TCE) site. These two ... Access Content

Aria Retirement Solutions Launches Guaranteed Income Product ...
A recent AARP survey of Baby Boomers found that an value of your Covered Asset Pool as of any Quarterversary during the immediate preceding Certificate Year. Annuities may lose value and are not bank deposits, are not FDIC insured, ... Access Doc

Annuity Changes Projected For 2012 - Insurance Industry ...
Single-premium immediate annuities are finding new traction in the bank, broker-dealer and wirehouse channels, says Montminy. The age of the average SPIA buyer is 73, he adds, ... Read Article

Chapter One Review Questions And Answers - LAMC
2. Go to www.aarp.org and review the similar study. Know the objects of his bounty—members of his immediate family as well as those with whom he has a familial relationship or for whom he has affection. d. annuities. 4. ... Get Document

Pete Mitchell's What To Do If You Are Laid Off - YouTube
5:52 Pete Mitchell's Immediate Annuities by Pete Mitchell 49 views Fees by aarp 35,859 views 9:59 Obamacare Job Cuts Layoffs Slashed Hours Has Begun! by Paul Begley 3,547 views 7:09 1001 Ways To Make A Living Online ... View Video

The Future Isn’t What It Used To Be - Tennessee Department ...
The "immediate retirement routine" path: According to a study by AARP, more than 60 Contributions to IRAs, annuities, and other investment accounts Recreation: Travel, dining out, hobbies, leisure activities ... View Full Source

Www.myceisonline.com
IMMEDIATE VARIABLE ANNUITIES 17. VARIABLE ANNUITIES EXCLUSION RATIO 18. COMPANY MANAGED VS. SELF DIRECTED ACCOUNTS, 18. (or have turned) 50 and are eligible for AARP. When they turn 50, some have provided for their retirement and their retirement funds are growing rapidly. ... Retrieve Full Source

Final Expenses Presentation
*AARP 11-15-04 retrieved January 9, 2006 from Annuities or Life Insurance* Please note: This is a simplified diagram of the probate process and is not intended • The list of immediate decisions needed is long and exhaustive – it is not ... Retrieve Document

Retirement Income Expert Nevada | Annuity Expert Nevada (NV ...
2:12 Annuities Explained 3:57 Immediate Annuities - Lesson 1 by ImmediateAnnuities 19,656 views 13:02 The 401k Fallout by CBS 41,750 views 3:06 Understanding 401(k) Fees by aarp 35,859 views 15:48 Types of Annuities by retiresharp 28,023 views ... View Video

AFTER A DEATH OCCURS A Checklist - Legal Voice - Women's ...
Immediate Steps Call 911 right away if there is an unexpected death in your home. veteran’s survivor benefits, annuities, etc. Certified copies are expensive (approximately $20- $32 each, plus fees). AARP- Final Details, Finances, Funerals, etc. ... Fetch Document

Overview Of Medicare
Immediate Annuity. Immediate annuities are available to people with uninsurable health conditions or those who may already be receiving LTC, as well as those in good health. http://www.aarp.org/revmort/ www.reversemortgage.org. www.viatical.org. ... View Document

Housing Bureau For Seniors - University Of Michigan Health System
At http://www.hud.qov/ or contact AARP at 1-800-209-8085. Two types are available and Immediate Some annuities are not counted for Medicaid, while others are. Annuity sales people may not be aware of the latest regulations. ... Access Full Source

Retirement Benefits For Members Of Congress
Of Congress also become eligible for retirement annuities unde r CSRS and FERS at Retirement with an immediate, full pension is available to Members age 60 or older with 10 years of service in Congress, or age 62 with five years of civilian ... Doc Retrieval

Meeting Of Elder Law Section Of The CBA January 19, 2006
Immediate relief. District Judge Chris Melonakis in Adams County is working on this D. AARP liaison to AARP legislative actions– Elizabeth Tulloch Medicaid may seek to become a beneficiary on annuities up to the amount of ... Fetch Content

Will You Have Enough Income In Retirement?
Immediate annuity* to convert some or all of your invested annuities are subject to the claims-paying ability of the issuer. Monthly Social Security benefit . Don’t know? According to a recent AARP survey, ... Fetch Here

Should You Buy An Annuity - 5 Questions To Ask First
Immediate annuities can provide a fixed or variable stream of income, depending on the type of immediate annuity you buy. Purpose Of An Immediate Annuity: ... Read Article

WRS News MAY 2011
Reduce Core Fund annuities for WRS retirees for the third year in a row (see related article on page 5). continues to look beyond the immediate economic environment for ways to benefi t the ccording to AARP, more than 7,000 “baby ... Fetch Document

Acknowledgments - The Official Web Site For The State Of New ...
For help call your ADRC/AAA toll-free at 1-877-222-3737. 1 TABLE OF CONTENTS 1. GETTING STARTED..15 ... Access Content