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Advantages and Disadvantages of Whole Life Insurance – What to Consider Before You Buy

Advantages and Disadvantages of Whole Life Insurance – What to Consider Before You Buy The purpose of life insurance is to provide your family with some financial security in the event of your untimely passing.  During your living years, you pay a premium to ensure that your family will have some extra finances to fall back on once you are no longer with them.  The peace of mind you experience today and the benefits your family...more

Life Insurance Purchased in Qualified Retirement Plans – A Look into How it Works

Life Insurance Purchased in Qualified Retirement Plans – A Look into How it Works While you may have the desire to take out a life insurance policy, the problem may be your inability to pay for the high premiums of the policy you want.  If you are a business person looking for a way to save for retirement and find the funds required to purchase a life insurance policy, the ability to combine your Qualified Retirement Plan and...more

Life Insurance Tax Treatment – Understanding the Procedures

Life Insurance Tax Treatment – Understanding the Procedures The purpose of a life insurance policy, no matter which of the many types you choose to purchase, is to provide your family and any other beneficiary with financial security once you have passed away.  The funds paid out by the insurance company once the policy holder has died can be dispersed in a few different ways, thus resulting in different tax treatments.  If you understand these, you will be better able to make future tax preparations. Unlike health insurance premiums, your life insurance premiums are not tax deductible.  This is because the premiums are not considered an expense.  The two exceptions to this are when a charity owns and will be the beneficiary when the policy holder dies or if the premiums are being paid because of an alimony agreement. Traditionally, the death benefits of your life insurance policy will be paid when the policy holder has died.  However, something called accelerated death benefits is when a portion of the benefits are paid out because the policy holder is terminally ill with less than 12 months to live.  Accelerated death benefits are tax free. One type of...more

Primary Purposes of Life Insurance – Protecting Your Family Financially

Primary Purposes of Life Insurance – Protecting Your Family Financially The one non-negotiable aspect of life is the inevitable fact that everyone must die someday.  This seems like a morbid thought, but when you realize that you need to be taking steps to protect your family once you pass on, you will understand the importance of...more

Survivorship Life Insurance – The Perfect Estate Planning Tool

Survivorship Life Insurance – The Perfect Estate Planning Tool In exploring the various types of life insurance, you undoubtedly want to find an option that will work best for your situation.  One less conventional option is to choose survivorship life insurance.  Also called second to die life insurance or joint and survivor...more

The Many Uses of Permanent Life Insurance – Benefits During and After Your Lifetime

The Many Uses of Permanent Life Insurance – Benefits During and After Your Lifetime The term "permanent life insurance" suggests that once you have your policy, you keep it for life.  Since the death benefits associated with the policy cannot be claimed by your beneficiaries until you pass away, the name is quite appropriate.  However, there are many uses for permanent life insurance—also known as whole life insurance—because it offers more than simply death benefits.  Unlike term life insurance, permanent life insurance accumulates a cash value along with providing your family with death benefits.  The cash value amount is tax deferred, which is another great benefit. The cash value builds the longer the policy is open and can be used even while you are still alive.  This means you can borrow the cash if you have unexpected expenses without any penalties.  You might use the money to fund your child's higher education or help fund your retirement on top of taking care of emergency costs.  While the premiums required of you in your young age are significantly more costly than if you were to choose a term life insurance policy, they become more...more

Types of Single Premium Life Insurance – Two Options for Investing Your Money

Types of Single Premium Life Insurance – Two Options for Investing Your Money If you can leave your family a substantial amount of money once you have passed on, you will guarantee their comfort and benefit from great peace of mind...more

Types of Term Life Insurance – Three Options to Consider

Types of Term Life Insurance – Three Options to Consider Life insurance is important for anyone who supports a family to look into today.  What if you were in an accident and left your family without any means of income?  Life...more

Types of Whole Life Insurance – Four Options to Choose From

Types of Whole Life Insurance – Four Options to Choose From Whole life insurance is one of the two broad categories of life insurance you have to choose from today.  The other option is called term life insurance.  If you decide...more

Cheap Life Insurance- Finding the Best Insurance for Your Money

Cheap Life Insurance- Finding the Best Insurance for Your Money When you are shopping for cheap life insurance, you might feel like it is the impossible task. For some people, that may very well be the case. If you take the time to...more

Life Insurance- Guaranteed Approval Policies for Everyone

Life Insurance- Guaranteed Approval Policies for Everyone Life insurance isn't easy to get. People who are young and healthy can get approval almost anywhere and for almost any type of policy. However, people who are older or have...more

Life Insurance- How to Choose the Right Type of Coverage

Life Insurance- How to Choose the Right Type of Coverage Buying life insurance is not an easy task. You can't just run to the store, grab a policy, and go. You have to think about your needs, look at different coverage options,...more
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