Survivorship life insurance

Ritch Insurance Services, Insurance Brokerage, Santa Rosa, California

Life Insurance You need life insurance if you owe somebody or love somebody … it's that simple. Although there are two primary forms of life insurance, Term and Whole Life, the variations of coverage under each category is fairly extensive. The most popular types are detailed below. The insurance can also be used to protect a mortgage, estate, business (against the loss of a key employee), or even to fund a retirement or as an employment benefit. The most typical approach to determining the amount of coverage is to base it on income replacement, usually about 5-10 times the insured's annual salary. Term Life Term insurance is "renting" coverage for a period of time, paying out a benefit...

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Gifts by Life Insurance, Southern Poverty Law Center

Life Insurance can be a convenient way to make a substantial gift to the Southern Poverty Law Center for a relatively modest annual cost. You can use a paid-up policy you no longer need or purchase a new policy to make your gift. Below are examples of charitable gift-giving opportunities using life insurance. You can name the SPLC as the beneficiary of a life insurance policy while retaining ownership of the policy and access to the cash value. However, because you retain ownership and can change the beneficiary, no income tax charitable deduction is allowed for the value of the policy. Also known as "second-to-die insurance," the lives of two people are covered under this form of insurance...

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Shane Insurance Agency - Protecting the things that are most important to you since 1969

Products Individual Life Life insurance from Shane Insurance Agency can help you secure your family's financial future by providing the funds they need to: cover burial expenses, uninsured medical bills, pay off your mortgage and other outstanding debts, and maintain a comfortable standard of living. There are a variety of life insurance policies that we can provide. The kind of policy you choose depends on your needs Term Life Insurance - Affordable, simplified insurance for a specific time period. Term insurance is often a good choice for your family in earlier years, especially if the budget is tight, because it allows for affordable, yet high levels of coverage, when the need for...

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Services, Charlap and Miller, Inc.

Products and Services Life Insurance Life insurance is an important part of a well-thought-out estate, business succession or charitable giving plan. Permanent life insurance offers many living benefits, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out — or for someone who's starting over. Following is a brief synopsis of the various types of life insurance that are available. Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred....

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Last-Survivor Life Insurance

Last-Survivor Life Insurance Last-survivor life insurance has been a popular estate conservation tool for couples who want to help ­protect their legacy from estate taxes. Because this type of policy pays a benefit after the death of the last-surviving insured individual, it can provide heirs with much-needed cash to help cover final expenses, probate costs, and estate taxes. Of course, fewer households will be subject to the federal estate tax as a result of the American Taxpayer Relief Act of 2012. The Economic Growth and Tax Relief Reconciliation Act of 2001 gradually increased the federal estate tax exemption, until finally repealing the federal estate tax altogether for the 2010 tax...

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Franke Martens Group

Making Your Financial Life Easier, Better, Simpler! Today's investment climate offers unprecedented opportunities. At Franke Martens Group, our mission is to help clients take advantage of those opportunities by providing them with three key tools: > A clear understanding of their financial goals > A well-defined roadmap for achieving those goals > Ongoing advice to help adjust their roadmap when their needs change Our services cover all areas of financial management, from investment and retirement planning to risk management and estate conservation. We specialize in helping our clients develop a comprehensive, cohesive financial strategy that fits their unique needs and enables...

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How Your Social Security Survivorship Benefit Affects Your Life Insurance Needs, Butera Wealth Management, LLC

You are here How Your Social Security Survivorship Benefit Affects Your Life Insurance Needs How Your Social Security Survivorship Benefit Affects Your Life Insurance Needs Submitted by Butera Wealth Management, LLC on May 7th, 2019 A few weeks ago, I posted about making smart Social Security decisions to optimize your lifetime and retirement income. One additional consideration in the big picture is: what happens after you’re gone and how do you balance Social Security Survivorship Benefits (SSSB) with life insurance to provide for your surviving family members. Generally speaking, conversations about life insurance revolve around whether you should buy term or permanent insurance....

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Finding Affordable Senior Life Insurance, Updated for 2019,

What Do You Need Life Insurance For? In order to navigate the multiple options available for life insurance start by confirming what your main concerns or objectives are. The most common reasons for life insurance include covering the costs of: Pension maximization for a surviving spouse Gift giving/Inheritance Decide which are important and rank them in order of importance to you. This will help determine how much coverage you need and will affect the premium you will pay. Best Types of Insurance for Seniors If you know what you need life insurance coverage for and how much you can spend, the next step is to pick a type of senior life insurance to suit you. There are many kinds of life...

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Life Insurance Plans, Quotes and Rates in Lodi CA

Life Insurance Lodi, CA A life insurance policy should be purchased as a sound part of any long-term financial plan since they can help to ease the burden on your family at an otherwise difficult time. Understanding the different policies for life insurance Lodi, CA that are available will help you select the option that is right for you, your family and your budget. There are several types of life insurance products available, and it’s important to conduct proper due diligence before making a final decision. Term Life Insurance A term life insurance policy is considered the basic model for all types of life insurance products. It is, in most cases, the most budget-friendly version of life...

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