About life insurance

Life Insurance: Banzai

Life insurance isn't something people like to talk about, especially young people. After all, thinking about dying and what happens to family or loved ones after you're gone isn't the easiest thing to do. When you purchase a life insurance policy, you're agreeing to pay a regular premium, or fee, often on a monthly or quarterly basis. In return, the insurance company agrees to pay a death benefit of a certain value to your beneficiaries if you die. Most people designate their spouses, partners, or children as beneficiaries, but you can choose anyone you want, such as a parent or a business partner. So how large a policy do you need? There's no set amount. One rule of thumb says that you...

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Life insurance’s major role in business succession planning, Accounting Today

Life insurance’s major role in business succession planning How often do you as a CPA think about life insurance matters as part of your role as trusted advisor to business owner clients? If the answer is not very often, you should reconsider your position, because life insurance is a tool that, when used strategically, can address an array of difficult succession planning challenges. It’s also one that clients of CPA firms are finding increasingly valuable. Succession planning is complex, confusing and laden with unique variables that include family dynamics, business-specific considerations, post-transition goals and more. On top of that, business owners must continue to run day-to-day...

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A Minor Fight Club Fan Theory About Life Insurance

It has been almost twenty years since the first time I saw Fight Club. I read the book a few months after first seeing the book. I think I was in eighth grade. It made a lot of sense to me at the time. But one detail has repeatedly stumped me about the film. The kind of detail that you might not notice if you just watch the movie once or if you gave the book a single read-through at some point in your life. This was not my experience. For me—a white teenage male living in the suburbs—the book and the film were compulsively rewatchable and rereadable. It further ignited my desire to be a writer and led me to the other writers I would read throughout high school and college, Kurt Vonnegut...

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Why You Need To Talk About Life Insurance

Why You Need To Talk About Life Insurance Life Insurance is not a topic that many people are able to talk freely about. You can’t discuss life insurance without talking about the inevitability of having to use it one day, and that makes many people uncomfortable. This is understandable, as no one likes to discuss their own mortality or think about the death of a loved one. However, when it comes to important things like life insurance, we have to get over our taboos. Here are a few tips on how to talk about this delicate, yet important issue. Life insurance is something that often comes up with life-changing experiences. For example, couples that are getting married may want to...

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What Expecting Parents Need to Know About Life Insurance - O Brien Insurance

Welcoming a new baby into your family can bring with it unprecedented joy and excitement. It can also be a pretty overwhelming experience, especially for first-time parents. And, with all the decisions to make and options to consider – everything from what to feed your infant and how to diaper them to which stroller to choose and which car seat strikes the best balance of safety and affordability – life insurance is likely to be the last thing on your blissed-out, sleep-deprived mind. It’s very possible obtaining a life insurance policy is something you’ve never spared a thought for in the past. But, as veteran parents will be quick to tell you, having a child changes everything...

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What New Parents Need To Know About Life Insurance, LION

Do you remember the first time you drove in the dark? Maybe terrified because I was lost. And I couldn’t figure out how to use the headlights. So I was terrified, and lost, and couldn’t use the headlights. Not really a good combination for my first time driving in the dark. But what’s this got to do with life insurance for new parents I hear you ask? I was terrified, not because of the driving, but because my first born was due to arrive imminently. And the way things were going, I wasn’t going to make it to the birth. Hannah was still in labour, she had been induced three times but no sign of baba. “Nothing stirring” as the nurses put it, so the hospital...

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4 Things You Should Know About Life Insurance and Divorce, SmartFinancial

As a couple, you’ve purchased life insurance as part of a comprehensive financial plan. Sadly, you and your spouse have decided to part ways. Over the years our firm has found that clients needed to be apprised of the following considerations: 1. A Life Insurance Policy May Be a Marital Asset The short answer is, maybe. It depends upon whether your life insurance policy is a Whole Life policy or a Term Life policy. Whole Life policies have cash value and are considered part of your net worth. During the divorce proceedings, a whole life policy must be listed among the marital assets to be divided, and it could be cashed out and divided equally. Universal Life policies are similar, being a...

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How to Talk to Your Clients About Life Insurance - Aspect Management

How to Talk to Your Clients About Life Insurance Choosing a life insurance policy is a very personal endeavor for most consumers, and one of the hardest to approach for many agents. No one is excited to talk about their death, and there is a lot of misinformation amongst consumers in regards to life insurance. Over half of consumers are unsure benefits from insurance are not taxable, and many don’t believe cash value from permanent life insurance can be used to help fund college educations, supplement retirement income or meet other financial needs. A life insurance agent needs to believe in the product, be enthusiastic about selling, demonstrate resilience, and be an effective communicator...

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Bike rally spreads awareness about ‘life insurance' in Bokaro

In a bid to spread awareness about the importance of life insurance in one's life as well as for their dependents, Life Insurances Corporation of India, Branch-1 organisesd a Motorcycle rally. Carrying placards, posters, over 300 LIC staffs, agents participated in the rally rolled out in the city center Sector 4 in Bokaro Steel City on Tuesday noon; distribute pamphlets to the people. Sanjiv Kumar, Branch Manager said, getting life insurance is one of the best financial decisions a person could make. It is important, as it protects one's family and let them leave a non-taxable amount at the time of death. "It is also used to cover one's mortgage and his or her personal or other loans while...

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How Do Life Insurance Policy Payouts Work?, Quotacy

If I die right after I buy my term life insurance policy, will my beneficiaries still be paid? Buying a life insurance policy is like buying a safety net for your family. You won’t be able to provide for them, so you buy a policy. The payout the policy provides will replace your income and help them stay comfortable and fed even after your death. However, policies don’t automatically pay out right when the person they cover dies. When a family needs to file a life insurance claim, there is a process in place to help them and the insurance carrier through the payout. How to file a life insurance claim Filing a life insurance claim is actually a simple process. To start, you should try to...

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