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Harder to get life insurance during pandemic

BUFFALO, N.Y. (WKBW) — It’s a conversation no one wants to have, but for many it’s necessary. “You don’t know what’s going to happen if one of us is left alone,” said Amy Paoletti of Williamsville. Getting life insurance in a COVID-19 world has Paoletti and her husband looking at their options. “You see so many people of all ages dying and no one has anything covered because it just happened,” she said. Paoletti says with owning her own business, Amy’s Fine Jewelry in Williamsville and her husband working in healthcare, they’re both in contact with many people daily. They’re looking at their life insurance options in case something were to happen to either. “They look at your age, your...

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Pros and Cons of Whole Life Insurance, The Network Journal

Whole life insurance has several benefits. There is a guaranteed savings account (also known as cash value). Whole life also provides long-term death benefit protection. While there are many reasons to purchase a whole life policy, currently low interest rates are making it challenging for existing whole life policyowners. If you have a whole life policy, is it still serving you well? Could you be facing additional premium payments going forward? Now may be a good time to re-evaluate your whole life policy for three reasons. Reason #1: Lower interest rates are not good for policy dividends Lower interest rates may be good for some companies, but generally speaking they are not good for...

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Credit life insurance as an alternative to a payment holiday on my loan? - Jou Geld, Solidariteit WêreldJou Geld, Solidariteit Wêreld

Do you have credit life insurance on your loan? Is it a good idea to claim from your credit life insurance as an alternative to the various debt-relief options currently being offered by the different banks as a result of the lockdown? What are the implications of the debt-relief options or payment holidays? Several banks have announced that they are prepared to grant their clients debt relief during the national lockdown instituted as a result of Covid-19. This could include the lowering of your monthly instalments or that you take a full payment holiday for a specific period. If you are considering this option, it is important to make sure that you thoroughly check the terms and...

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Cigna Newsroom, New York Life to acquire Cigna's group life and disability insurance business

New York Life to acquire Cigna's group life and disability insurance business NEW YORK and BLOOMFIELD, Conn., December 18, 2019 - New York Life, America's largest mutual life insurer, and Cigna, a leading global health service company, announced today that they have entered into a definitive agreement whereby New York Life will acquire Cigna's group life and disability insurance business for $6.3 billion. The acquisition is expected to close in the third quarter of 2020, subject to applicable regulatory approvals and other customary closing conditions. "This transaction increases the value we can deliver to our policy owners, strengthens our well-defined business model, and adds millions...

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Using life insurance as a tax-hedging strategy - The Globe and Mail

Most Canadians understand how term life insurance protects their families. However, financial advisors can find themselves with much explaining to do around using permanent life insurance as a financial and estate planning tool. “In our practice, this discussion comes up all the time,” says Elizabeth Harding, director, wealth management, and investment advisor with the Orlic Harding Cooke Wealth Management team Richardson GMP Ltd. in Burlington, Ont. “I like to talk about the difference between the two as ‘if I die insurance’ versus ‘when we die insurance.’” Both have a place, with their tax-free death benefits. Term life insurance covers the “if I die” scenario. Ms. Harding says it’s...

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Who Can Sell Their Life Insurance Policy?

If you have been looking for extra cash, then you may be thinking about how you can do it. One way that is becoming incredibly popular is by selling your life insurance policy. Did you even know that you could do this? And who can actually take the time to sell their life insurance policy to those who may be looking to take care of it? That's what we're going to look at in this article. Why Sell Your Policy? There are a huge number of reasons that you may want to think about selling your life insurance policy, but the most common one is because the policy that you have is not going to be cost effective. If you are not in need of a policy, and it's actually costing you more to keep it than...

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What CPAs should understand about premium financing, Accounting Today

What CPAs should understand about premium financing Premium financing has been around for many years but it became more popular when LIBOR rates plummeted after the recession and perceived crediting rates on indexed universal life (IUL) insurance and whole life policies were relatively high. Originally, the concept of premium financing was not much different than why one might not pay off a home mortgage, even when the money is available. If one thought that money deployed elsewhere would be more productive than paying down a mortgage, then why not do so? If I’m confident I can make more in the market or my business, financially it would be silly to pay down my mortgage any faster than...

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Life Insurance,

Life insurance Life Insurance Life Insurance In general, life insurance is a type of coverage that pays benefits upon a person's death or disability. In exchange for relatively small premiums paid in the present, the policy holder receives the assurance that a larger amount of money will be available in the future to help his or her beneficiaries pay debts and funeral expenses. Some forms of life insurance can also be used as a tax-deferred investment to provide funds during a person's lifetime for retirement or everyday living expenses. A small business might provide life insurance to its workers as a tax-deductible employee benefit — like health insurance and retirement programs...

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The Knights Of Columbus Is Facing Allegations Of Insurance Fraud

BuzzFeed News; Dennis MacDonald / Alamy Stock Photo Greg McAtee first joined the Knights of Columbus 16 years ago, when he was 55. He was joining a formidable club, the largest Catholic fraternal organization in the world with alumni like Babe Ruth and John F. Kennedy, and it continues to have powerful political allies in 2019. He was also, though he didn't realize it at the time, becoming a pawn in an alleged scheme to inflate membership numbers for a multibillion-dollar life insurance company. But to him, the Knights were mostly just a group of nice men from his parish in Mobile, Alabama, who wore matching shirts with shield insignias. They raised money for charity, had Christmas parties...

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Getting life insurance in New Jersey in 2020,

In the US, life insurance falls under the domain of each state. These are the laws that will protect you when you’re purchasing a policy in New Jersey, plus our list of the best life insurance providers across the state. How much does life insurance cost in New Jersey? Your premium is a product of your age, gender, driving record, occupation, hobbies, health and family medical history. We were unable to confirm whether the state you live in affects life insurance rates. However, some experts say people in states that are privy to natural disasters — like tornadoes — might pay more for coverage. During winter, New Jersey is often slammed with severe storms and blizzards, so this might...

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