Team life insurance

When Life Insurance Becomes Taxable, The Larimer Capital Team

When Life Insurance Becomes Taxable Consider these facts on aging from the 2010 Census:¹ The highest growth rate for a 10-year age group within the older population (age 65+) was for men 85 to 94 years old (46.5%). For women, this age group grew by 22.%. Of all five-year age groups, men ages 90 to 94 had the fastest growth rate (50.3%). Living this long may have unexpected tax consequences. Here’s why. Many older life insurance policies mature at a specific age, typically 95 or 100. If the insured individual attains that age, the policy’s cash value may be paid out to the policy owner in lieu of a death benefit payment.² Tracking Taxes This payout may be taxed as...

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A Look at Whole Life Insurance, Your SRQ Wealth Team

A Look at Whole Life Insurance Whole life insurance remains in force for your whole life, as long as you remain current with your premiums. In exchange for fixed premiums, the insurance company promises to pay a set benefit when the policyholder dies. Whole life insurance policies build up cash value — effectively a cash reserve that pays a modest rate of return. This growth is tax deferred. Guarantees are based on the claims-paying ability of the issuing company. Most whole life insurance policies will let policyholders borrow a portion of their policy’s cash value under fairly favorable terms. And interest payments on policy loans go directly back into the policy’s cash...

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Exclusions for Term Insurance Plans

Exclusions for Term Insurance Plans No matter how good a driver you are, you would want your car to have airbags. Hopefully, there won’t be a situation ever where your car has to deploy them. But that is not an excuse for picking up a car that doesn’t have airbags. Simply put, they give you the confidence that should things turn against you, there is some protection available for you. A term insurance plan is then pretty much an airbag for your life. Optimistically you should never need to claim the same, but if the worst ever happens you have a financial shield to protect your family. The ideal scenario for a claim of a term insurance is, the applicant passes away and his...

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Term vs. Permanent Life Insurance, Blakely Financial Services

Term vs. Permanent Life Insurance According to industry experts, most people don't have enough life insurance. LIMRA, which keeps close tabs on the industry, recently reported that average coverage equals $168,000, or 3.4 years in income replacement. That's less than half of the recommended 7 year threshold. Furthermore, more than half of consumers said their household would be in immediate or near immediate financial trouble if the primary wage earner died today. When considering life insurance, one of the most important factors to understand is the difference between term and permanent insurance. Here’s an inside look at both. Term and Perm Term life insurance is temporary; it...

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Life Insurance Saint Charles, MO, AHL Insurance Agency

Saint Charles – What You Need to Know About Life Insurance Having the right life insurance is pivotal in planning for the future of you and your loved ones. Life insurance can help you fulfill promises you’ve made your family when you are gone. Don’t leave the future of you and your loved ones to chance. The AHL Insurance Agency can help you find the right life insurance coverage for you, and help ensure that your policy continually meets your needs. Life changes – so should your policy For each of our neighbors in Missouri, the right life insurance will be unique for you and dependent on your personal and financial needs. As your life changes, your life insurance...

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Beware cold callers offering to switch your life insurance, This is Money

Beware the cold callers offering to switch your life insurance to a cheaper deal... they could cost you dearly Published: 12:28 GMT, 19 June 2017 | Updated: 12:28 GMT, 19 June 2017 When a company calls you out of the blue and offers to cut your life cover premiums, you might be tempted. Don't be. In the past few months at least two firms, The Financial Assessment Centre and The Review Bureau, have been cold calling customers with existing life insurance or critical illness cover and offering to cut the cost - if they switch to a Legal & General policy instead. Some of those who have received the cold calls claim those on the end of the line even suggested they were calling from the...

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The $500,000 Life Insurance Gap

Most families say they want enough life insurance to cover 14 years of lost income should the breadwinner die, but they have enough to cover only three years, according to a Life Insurance Gap survey put out by New York Life. That stark difference between perception and reality puts families at great financial risk, says Chris Blunt, co-president of the Insurance and Agency Group for New York Life. The gap survey looked at the median shortfall between how much life insurance coverage families have in place compared to how much they say they want life insurance to cover in the event of the death of the breadwinner. The median shortfall was $320,000 in 2013, up from $289,000 five years ago....

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Universal Life Insurance, The Larimer Capital Team

Universal Life Insurance Universal life insurance is permanent life insurance — that is, it remains in force for your whole life. But universal life insurance has an important difference from other types of permanent insurance: it provides a flexible premium. That means the policyholder decides how much to put in above a set minimum. By extension, the policyholder also determines the face amount of the policy. Universal life insurance policies accumulate cash value — cash value that grows tax deferred. Guarantees are based on the claims-paying ability of the issuing company. Universal life insurance policies normally let policyholders borrow a portion of their policy’s...

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Term vs. Permanent Life Insurance, JBC Companies

Term vs. Permanent Life Insurance According to industry experts, most people don't have enough life insurance. LIMRA, which keeps close tabs on the industry, recently reported that average coverage equals $168,000, or 3.4 years in income replacement. That's less than half of the recommended 7 year threshold. Furthermore, more than half of consumers said their household would be in immediate or near immediate financial trouble if the primary wage earner died today. When considering life insurance, one of the most important factors to understand is the difference between term and permanent insurance. Here’s an inside look at both. Term and Perm Term life insurance is temporary; it...

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A Look at Whole Life Insurance, The Larimer Capital Team

A Look at Whole Life Insurance Whole life insurance remains in force for your whole life, as long as you remain current with your premiums. In exchange for fixed premiums, the insurance company promises to pay a set benefit when the policyholder dies. Whole life insurance policies build up cash value — effectively a cash reserve that pays a modest rate of return. This growth is tax deferred. Guarantees are based on the claims-paying ability of the issuing company. Most whole life insurance policies will let policyholders borrow a portion of their policy’s cash value under fairly favorable terms. And interest payments on policy loans go directly back into the policy’s cash...

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