Life insurance

The Truth About Endowment Life Insurance Policies

Endowment life insurance is a specialized insurance product that's often dressed up as a college savings plan. These policies couple term life insurance with a savings program. As the policyholder, you choose how much you want to save each month and when you want the policy to mature. Based on your monthly contributions, you're guaranteed a certain payout, called an endowment, when the policy matures. You can then use this endowment for your child's college tuition, fees, books, living expenses and other costs. If you should die before the policy matures, your child will receive the payout as your death benefit and will still have the anticipated money for college. The endowment life...

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Impact of Interest Rates on Life Insurance Products, Wealth Management

By Marko Djuranovic and Eric Naison-Phillips In the aftermath of the financial crisis in 2008, interest rates steadily decreased and hovered around historical lows. Given that the general account investment portfolios of life insurance companies are predominantly invested in fixed income instruments, the resulting downward yield pressure has caused insurers to increase the pricing of guaranteed products or exit the guaranteed life insurance product market completely. For the past decade, clients interested in fully guaranteed life insurance have been encouraged to acquire it before pricing is increased further. Today, with interest rates starting to climb again, the logical question is...

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Long-Term Care Insurance (LTCI): The Good, the Bad, and the Ugly, CFA Institute Enterprising Investor

Long-Term Care Insurance (LTCI): The Good, the Bad, and the Ugly Nothing can completely sabotage a retirement lifestyle like unexpected elder-care expenses. My father’s dementia developed rapidly. Within a year, he no longer knew me, much less how to perform most activities of daily living (ADLs). The need for a care facility was immediate and the cost was mind-boggling. We were “lucky,” I was told. My parents had invested in long-term care insurance (LTCI), and yes, I cannot imagine how they would afford the care Dad needs without it. But accessing the insurance benefits came with several unexpected twists and turns. Forethought and careful planning are essential, because if LTCI is not...

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3 Little-Known Alternatives To Long-Term Care Insurance

3 Little-Known Alternatives To Long-Term Care Insurance Tweet This Gallery: The Best And Worst States For Long-Term Care Mary's (name changed) mom has been at a long-term care facility for over five years. When Mary came to me, she transferred her investment account with her husband and her mom's account (she had power of attorney) to my firm  Alliance Wealth Management. We asked Mary what the goals were for her mom's money, and she told us that her mom wished to leave the money to Mary and the grandchildren. Unfortunately, because Mary's mom had Alzheimer's disease, that sizable account was used to fund the long-term care facility. And, sadly, the costs for the...

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Term Insurance Plans for NRI in India

Term insurance are offered to the NRIs. Most of the policies are available online and do not require you to undergo medical tests. Term Insurance plans are pure protection plans. Most term policies can be purchased by Non-Resident Indians. Some companies have streamlined their process to issue the term insurance to the NRIs. What is Term Insurance? This is a type of life insurance that provides coverage for a specified term or years or a certain period of time. If the insured dies during the period when the policy is active, then death benefits will be paid to nominee. Term insurance is much less expensive than permanent life insurance. It has no cash value. There are different types of...

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4 Reasons to Buy Whole Life Insurance for Children this Christmas - Stolly Insurance

A blog by Daniel Brookman of Stolly Insurance. As your children make out their Christmas wish lists for Santa this holiday season it is not likely you will find a whole life insurance policy popping up anytime soon. However, as responsible parents and grandparents it’s important to consider the potential benefits that special child in your life will reap from a whole life insurance policy long after the toys, gadgets, and gizmos are piled up in a landfill. I’m going to offer you the top four reasons I believe whole life insurance should be on your holiday shopping list for the children in your life this year. 1 ) Cash value build up can grow quickly, safely, and be accessed tax free. For...

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Using Life Insurance to Provide for Your Children,

At some time or another, all parents worry about what will happen to their children if one or both parents were to die prematurely. Often, life insurance is the first place parents turn when these worries arise. Although life insurance might be a good source of income for your children if you die, before buying a life insurance policy you should carefully consider whether or not you really need it, what type of policy is best, and who should manage the proceeds on behalf of your children. How Much Life Insurance Do You Need, If Any? Before buying a policy, consider all sources of income for your children if you were to die while they still needed financial support. Those sources might...

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