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Naming a Beneficiary for Your Life Insurance Policy, Nolo

If you buy life insurance for your family, or are offered a free or low-cost policy at work, you’ll be asked to name a beneficiary—someone who will receive any policy proceeds that are paid out at your death. When you’re asked to fill out the paperwork, you may not give your choice of beneficiary much thought, and just put down the name of your spouse or kids. It’s worth taking a little time, however, to think about how you name your beneficiaries. It’s easier than you might imagine to inadvertently cause problems down the road. Here are some tips. But whatever you do, name someone. If you don’t, the policy proceeds will be part of your estate after your...

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Brownwood, TX Life Insurance Agents, Robnett Integra Insurance Services

Life Insurance in Texas Do You Need Life Insurance in Texas? Not everyone needs life insurance in Brownwood, TX or even throughout the state, but it’s a good idea if you have people that depend on you financially. There are different ways to figure out how much life insurance you need. To determine how much you need, consult with an agent at Robnett Integra Insurance Services and consider debts, the income needed to replace, and other expenses that can occur after death. Types of Life Insurance Once you decide to get life insurance in Texas, there are different policies to consider. Term life insurance will offer you coverage for a set period, and this can range from one year to even longer...

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Life Insurance Settlements, Getting Untapped Cash Now

Dying AIDS Patients Were Among the First to Sell Policies The life settlement industry as it exists today developed much more recently, around 1998. It came from a related industry, known as viatical settlements, which is a sale of a life insurance policy by someone who is terminally or chronically ill. Viatical settlements grew out of the AIDS crisis of the 1980s. For years, the virus was always fatal, and young men with life insurance policies formed a market for a brand new product. At first, viatical settlements were purchased by individual investors who profited when people died from AIDS. Eventually, insurance companies and banks entered the unregulated market. As medications were...

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Borrowing Against Your Life Insurance: When Should You Take out a Policy Loan? - ValuePenguin

It’s simple to borrow against the cash value of a permanent life insurance policy as there are no loan requirements or qualifications aside from the amount of cash value you have available. A life insurance policy loan can be used for any purpose and paid back whenever you decide. In addition, life insurance collateral loans typically have quite low interest rates. However, if you’re unable to pay the policy loan’s annual interest and the policy lapses, you run the risk of losing coverage and having a large tax payment. Can You Borrow Against Your Life Insurance Policy? Each time you pay premiums for a cash value life insurance policy, such as a whole or universal life insurance policy,...

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What is an Index-Linked Life Insurance Policy? - Sagicor Life USA

If you’re in the market for life insurance, you’ve most likely come across some policies that are described as linked to an index. But what exactly does a life insurance policy linked to an index mean? How do you know if that type of policy is right for you? Let us answer a few frequently asked questions to help you better understand the basics about these types of policies. What is an index? Simply put, a stock market index (or just index), is a number that measures the value of a group of stocks. As stocks in the group change value, so does the index. For example, if the value of the securities that make up the index go up by 2% then the index will increase by 2%. One commonly...

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Consumer FAQs: Life Insurance, Department of Financial Services

Consumer Frequently Asked Questions Life Insurance Is there a period of time during which after I purchase my life insurance policy I can change my mind and have my money refunded? Answer: Yes, the Insurance Law requires a “free look” period of not less than ten days nor more than 30 days from the date the policy is delivered to you. A policy sold by mail order must provide for a 30 day period, and a policy sold in a replacement situation must provide for a 60 day period. The insurer must refund to you any premium paid, including any policy fees or charges. What happens if I forget to pay my premium by its due date? Answer: For scheduled premium policies, the policy will provide for a 31...

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How does a life insurance policy payout work?, Haven Life

Peace of mind. Financial protection. Future plans. When discussing life insurance, we often talk about the value in terms of the intangibles that come with purchasing a policy. But of course, the monetary value of a policy is central. Because the payout of a life insurance policy comes upon the death of the insured, the money is a tricky subject to talk about. But knowing exactly how a life insurance policy payout will be paid and could be used by a beneficiary can help you understand the full value of your policy. Here we’ll talk about how a life insurance policy payout works after you die, how it may be used, and how discussing the potential uses of a policy payout now can make decisions...

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Life Insurance at Age 100, Wealth Management

When it rains it pours. I have multiple cases on my desk now regarding age 100 and/or “endowment” issues. Also, recently a Wall Street Journal article addressed these topics Historically, most policy owners didn’t concern themselves too much about what happens when an insured individual turns 100 years old. This is partly because most people didn't expect to live to 100 and partly because people didn't know there was anything to concern themselves with. However, it seems to be on people’s minds more often lately. For a recent insurance portfolio I helped to construct, the decision was made to go with a blended portfolio of guaranteed universal life insurance (GUL)...

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Individual Life Insurance - Worcester MA & Uxbridge MA - A & P Insurance Agency Inc

Individual Life Insurance in Worcester MA & Uxbridge MA Reassurance for you and your Loved Ones. A & P Insurance Agency Inc provides life insurance to individuals in Worcester, Uxbridge, Auburn, Shrewsbury, Whitinsville, Grafton, and surrounding areas. Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s...

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Can I borrow on a life insurance policy to buy property?, Money, The Guardian

Q Is it possible to have a whole life insurance policy and use this to borrow against to buy a house, for example, a life Insurance policy to mature in 20 years' time with a sum assured of £200,000? It has been suggested to me that this provides maximum security for the minimum payment. A My first thought when reading your email was that whoever suggested this to you should be shot - or at the very least, reported to the Financial Services Authority. But then I thought that perhaps that was a little hasty so I spoke to someone at independent life insurance broker who also happens to be an experienced mortgage adviser. He was simply baffled by the idea and said he had never heard of anything...

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