This document discusses technological and genetic explorations that are revolutionizing human longevity. It explores areas like reducing the aging process through genetic engineering and stem cell therapies. The document also examines financial investments in biotechnology companies developing anti-aging treatments and immortality research. The goal is to provide an overview of emerging science and technology that could extend the human lifespan and potentially lead to immortality.

1. T H E S E A R C H F O R
I M M O R TA L I T Y
T E C H N O L O G I C A L A N D G E N E T I C E X P L O R A T I O N S T H A T
A R E R E V O L U T I O N I Z I N G H U M A N L O N G E V I T Y
W
MAKE
How Big Data Can Save
Your Life; The Race to
Driverless Cars; Can the
Trumps Make Wine?
GROW
Craig Venter on the
Future of Aging; Six Health
Investments; Tech Wealth
Investing in Longevity
LIVE
12 Steps to Living Better;
Six Spring Getaways; The
Best Cuban Cigars You Might
Soon Be Able to Smoke
T H E E V O L U T I O N O F F I N A N C I A L I N T E L L I G E N C E
®
V O L U M E 2 4 | E D I T I O N 0 2
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W O R T H . C O M

2. Cook Maran & Associates Inc.
Christine Schrader, Insurance Advisor
East Hampton, NY Leading Insurance Advisor
What is the best way to insure my
most prized and valued items?most prized and valued items?
By Christine Schrader
All homeowners insurance policies
provide limited amounts of protec-
tion for valuable items like jewelry,
furs, fine art, wine and other collect-
ibles. And in many instances, those
limitations may be significant. But
in the worst-case scenario, there is
no protection at all if the insurance
is absent when it’s needed most.
The only way to obtain compre-
hensive protection is through a per-
sonal articles floater form. Depending
on the insurance carrier, the policy
may also be known as private collec-
tions, jewelry, art and collections, or
valuable-articles coverage. Regard-
less of the name, the protection the
policy offers is a critical component
of a comprehensive insurance plan.
Note, too, that coverage may be
added to the homeowners policy as
an endorsement.
THERE ARE TWO DIFFERENT
WAYS TO INSURE VALUABLES:
1. Scheduled/itemized coverage
2. Blanket coverage
“Scheduling coverage” entails a
complete description and value of
every item. Depending on the value,
a recent appraisal may also be re-
quired. Qualified appraisers will
usually be affiliated with at least one
of the three major appraisal organi-
zations: Appraisers Association of
America, American Society of Ap-
praisers and/or the International
Society of Appraisers. Each organi-
zation requires its members to stay
abreast of appraisal practices and
subscribes to a code of ethics.
In some cases, insurance provid-
ers agree to accept a purchase in-
voice to initially establish insurance
value. All invoices used in this way
should be recently dated; include the
address of a recognized sales insti-
tution, printed on stationery or letter-
head; and be stated in U.S. currency
or foreign currency converted on the
date of sale.
“Blanket coverage,” the second
category, typically establishes both
a total and item limit for each class
of valuables. An example would be
a $100,000 blanket limit of jewelry
with a $10,000 per item limit. The
maximum per-item limit should be
no more than the highest value of
any one piece of jewelry covered.
One advantage of selecting blanket
coverage is that individual apprais-
als are not required.
Some of the key coverage features
which many companies targeting
the affluent provide for both sched-
uled and blanket insurance protec-
tion include:
• Worldwide coverage for loss/
damage due to fire, theft, earthquake,
flood and breakage anywhere in
the world.
• Coverage for mysterious disap-
pearance of jewelry items. Theft from
a known place must be established
for coverage on the homeowners pol-
icy but is not required for scheduled
or blanketed items. Perhaps the most
common claim for the jewelry class.
• Coverage for newly acquired
items, which extends automatically
up to 25 percent of the policy class
limit and is effective 90 days after the
purchase. New acquisitions are pro-
tected immediately after purchase
but should be added to your policy
as soon as possible.
• Coverage for diminished value;
in the event of a partial loss, the com-
pany will pay the full amount to re-
store the piece to its condition prior
to the loss.
• Many policies provide up to 150
percent of the insured amount. The
value listed on an item in your policy
is what you can expect in the event of
a loss. Should your item appreciate,
you will be protected.
• Choose to repair, replace or sur-
render undamaged items that are
part of a pair or set. If you lose an
item such as an earring, you benefit
from being flexible at claim time.
• Items on exhibit that are dam-
aged when moved to and from ex-
hibitions. Share your collection with
the public and feel assured that it is
protected at every stage.
Speak with your insurance provider
tocreateaspecificplanthatsafeguards
your most prized possessions.

3. COOKMARAN&ASSOCIATESINC.LIVEGROWMAKE
How to reach Christine Schrader
To learn more about Cook Maran & Associates Inc.
and our full range of insurance solutions, please
give me a call at 631.390.9818.
Insurance Services Experience 30+ years
Insurance Services Provided
Personal insurance sales and services
Website www.cookmaran.com
Email cschrader@cookmaran.com
Cook Maran & Associates Inc. 40 Marcus Drive, Melville, NY 11747 631.390.9818
ILLUSTRATIONBYKEVINSPROULS
081W O R T H . C O M A P R I L - M AY 2 0 1 5
Christine Schrader is an insurance advisor responsible for new client development at Cook Maran &
Associates Inc. Serving clients with exposures throughout the United States, Ms. Schrader reviews and
designs insurance protection catered to the specific personal insurance needs of her individual and family
clients. Ms. Schrader started her insurance career in 1984 at the Charles E. Hyde Agency, a forerunner of
Cook Maran & Associates Inc., and has been with the firm ever since. She holds brokers licenses for both
property and casualty insurance as well as life and health insurance. Ms. Schrader is an AAI® candidate
and expects to earn the designation later this year. She frequently participates in initiatives supporting The
Humane Society and resides in Coram, NY, with her husband.
About Christine Schrader
“In the worst-case scenario,
there is no protection at all
if the insurance is absent
when it’s needed most.”
—Christine Schrader
Left to right: Laura
Kearney, Christine
Schrader, Tim
Brenneman,
Rosemary Whisler,
Alison Schmidt

4. the evolution of financial intelligence
R E P R I N T E D F R O M
®
Cook Maran & Associates Inc. is featured in Worth®
2015 Leading Wealth Advisors™
, a special section in every edition of Worth®
magazine. All persons and firms appearing in this section have
completed questionnaires, have been vetted by an advisory group following submission by Worth®
, and thereafter paid the standard fees to Worth®
to be featured in this section. The information
contained herein is for informational purposes, and although the list of advisors presented in this section is drawn from sources believed to be reliable and independently reviewed, the accuracy
or completeness of this information is not guaranteed. No person or firm listed in this section should be construed as an endorsement by Worth®
, and Worth®
will not be responsible for the
performance, acts or omissions of any such advisor. It should not be assumed that the past performance of any advisors featured in this special section will equal or be an indicator of future
performance. Worth®
, a Sandow Media publication, is a financial publisher and does not recommend or endorse investment, legal or tax advisors, investment strategies or particular
investments. Those seeking specific investment advice should consider a qualified and licensed investment professional. Worth®
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See “About Us” for additional program details at http://www.worth.com/index.php/about-worth.
Christine Schrader
Insurance Advisor
Cook Maran & Associates Inc.
461 Pantigo Road
East Hampton, NY 11937
Tel. 631.390.9818
cschrader@cookmaran.com
www.cookmaran.com