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416 items found for "life insurance"

  • Is Whole Life Insurance Right for You?

    Term life insurance will cover you for a certain period of time. Alternatively, whole life insurance also includes a savings account known as its cash value, which builds insurance. If you’re in need of permanent coverage, but can’t afford the premiums, look at a term life insurance He or she can refer you to a qualified life insurance professional to help.

  • Life Insurance for a Professional Racecar Driver? You Bet!

    She’s owned life insurance since she started racing, and she now advocates on behalf of Life Happens, It’s a rite of passage to buy life insurance before your first race. With term life insurance, many life insurance needs will expire, assuming that a family is on track to insurance—whole life, universal life, or variable life. Term life insurance can be pretty inexpensive.

  • Get a Life Insurance Check-up to Be Sure the Prognosis Is Good

    article “3 life insurance mistakes you can easily avoid.” About 37% of parents with young children don’t have sufficient life insurance, according to a 2015 report Do a thorough analysis of your life insurance needs to be sure you’ve enough to cover funeral expenses You may have your spouse own the life insurance policy on you so that you can be smart with your estate However, what’s known as “three-corner life insurance”—where the owner, insured and beneficiary are all

  • You Bet Your Life There’s Value in Life Insurance

    Life insurance can be very complicated and confusing. A recent study that looked at the life insurance purchased by 94 ultra-wealthy business owners with a A recent Forbes article, “How The Ultra-Wealthy Avoid Life Insurance Missteps,” says that there were Also, for 60% of these uber-wealthy business owners, their life insurance wasn’t effectively integrated amount of the right kind of life insurance that is properly structured.

  • While Not Sexy, Life Insurance can Really Help with Estate and Financial Planning

    Term life insurance is used to cover risks over a certain period of time—like to replace your income Permanent or whole life insurance is typically more expensive than term and should be used for estate Life insurance can be confusing because whole-life policies can be offered in various forms by different Permanent life insurance has other benefits in addition to the death benefit. The goal is not to depend on life insurance in general or on any one particular type of life insurance

  • Long-Term Care Insurance and Alternatives | Houston Elder Law Attorneys

    One option would be hybrid long-term care insurance. These policies combine the benefits of an annuity or life insurance agreement with a traditional long-term the consumer has the guarantee of long term care benefits or, if no care is needed, the promise of insurance Unlike other insurance option you do not have to prove insurability by completing an application with Lastly, many single-premium whole life insurance policies have an attached long-term care rider.

  • That First Child Means More than Late Night Feedings and Dirty Diapers

    Set your life and financial priorities. Review your insurance needs. You should look at your insurance coverage. For the immediate future, you should know how much your health insurance deductibles and co-pays will For the long-term, consider whether you have enough life insurance. Parents should also make sure they have disability insurance, which can bridge a financial gap in the

  • How to Remove Someone from a Life Estate

    Understanding Life Estates A life estate is a unique type of property ownership. The Roles of Life Tenant and Remainderman The life tenant is the individual who holds the life estate The remainderman has the right to inspect the property to ensure it is being properly maintained. After the Life Tenant's Death After the life tenant dies, the life estate typically ends, and the property life estate removal.

  • Is a Living Trust for Me?

    out boilerplate documents for a high fee, all to get their foot in the door to sell you annuities or insurance living trusts are often nothing more than insurance agents or people working for insurance agents. A living trust is revocable, which makes it very flexible. Living trusts are very complex legal documents—one-size-fits-all doesn’t work. or insurance policy.

  • Retirement Planning 101

    a review of your estate plan and portfolio investments, tax planning, education funding strategies, insurance Coordinate your insurance with any that your employer offers. Life insurance should also be examined to provide for loved ones in case of your death. Long-term care insurance should be considered. Education. We are living longer, and planning for a long retirement is critical.

  • Estate Planning During a Divorce: 4 Key Considerations

    You have planned your life carefully. Together, you have put insurance policies in place for health, life, and disability. Understand How Life Insurance Works If you and your spouse have life insurance, be clear on how it is Life insurance is an important component of any divorce settlement, to guarantee the continued flow of Having a trust as owner of the insurance policy is a great way to avoid gaps and pitfalls in insurance

  • What You Cannot Do With a Will

    Life insurance. Life insurance passes to the beneficiary you name in the life insurance policy and is not affected by Similar to life insurance, money in a retirement account (e.g., an IRA or 401(k)) passes to the named If you would like to leave money to your furry friend or leave instructions for their care, you will If you would like your gifts to be conditional, a trust may be the better tool to use.

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