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Insurance Pro Blog 09/09/2020 09:36
Life insurance dividends benefit from special tax treatment that make them largely non-taxable. This being said, there are some circumstances that can make the dividends paid on life insurance policies taxable. Today we'll walk you through both the non-taxable and taxable circumstances most commonly found for individuals receiving dividends on their life insurance policies. Refund […]. .
Insurance Pro Blog 09/08/2020 09:27
As its name implies, dividend paying whole life insurance is a form of whole life insurance that earns a dividend from the insurance company that issues the policy. The official insurance term used to identify a dividend paying whole life policy is “participating” because the policy participates in the divisible surplus (i.e. profits) of the insurance […]. .
Insurance Pro Blog 09/03/2020 10:00
When a term life policy matures the original premium payment agreement expires and now the policy owner must either pay a higher premium or find another life insurance policy. The overwhelming majority of term life insurance policies issued today are level term policies. These policies have a guaranteed level payment period. Maturity occurs at the […]. .
Insurance Pro Blog 09/02/2020 09:05
Whole life insurance is both good and bad depending on the need of the individual and how well whole life matches that specific need. For some people, whole life insurance is an incredible tool used to accomplish one or several goals. For others, it's a complete mismatch and will provide little more than disappointment. By […]. .
Insurance Pro Blog 08/24/2020 05:30
The periodic table of investments is a quick view of how varying asset classes performed year-over-year. Started by the Callan Institute, back in the late 90's the periodic table method of comparing asset classes gained wide expectance as a key way to visualize how various asset classes rank against one another. Additionally, several asset managers/mutual […]. .
Insurance Pro Blog 08/19/2020 13:57
Whole life insurance offers three nonforfeiture options that ensure policy owners receive value from their policies should they cancel them prior to death. The exact value of the nonforfeiture benefit depends on the length of time that the policy owner paid premiums–more premiums paid means more nonforfeiture benefit. These benefits stem from laws originating in […]. .
Insurance Pro Blog 08/13/2020 08:31
Choosing to cash in your whole life policy can be a complex decision that requires some careful consideration. There are a few consequences to such a decision that you should understand prior to deciding whether or not you actually cash it in. There are also other options you most likely have at your disposal that […]. .
Insurance Pro Blog 08/12/2020 08:43
The automatic premium loan provision (APL) is an optional feature of a whole life insurance contract to pay the premium due with a policy loan when the policyholder does not pay the premium. Using the premium loan feature on a whole life policy ensures that the policy remains in force and does not trigger the […]. .
Insurance Pro Blog 08/11/2020 09:32
Limited pay life insurance is a special form a whole life insurance implemented with a shorter guaranteed payment period than a traditional whole life policy. There are several types of limited pay life insurance policies all with differing guaranteed premium payment periods. Despite these differences, all limited pay policies operate under an identical principle. I'll […]. .
Insurance Pro Blog 08/10/2020 09:10
Whole life insurance, and other forms of cash value life insurance, enjoy numerous tax benefits that make them sought after financial products. These benefits can be found among other financial tools, but together they represent an impressive package of tax-friendly features well worth a look. These combined benefits become especially interesting to Americans in higher […]. .
Insurance Pro Blog 08/04/2020 09:06
The primary difference between accumulation value and cash surrender value is any applicable surrender charge to the life insurance or annuity contract. Accumulation value is the full accumulated cash value in the policy. Cash surrender value is the accumulated value minus any applicable surrender charge or market value adjustment (MVA). It's important to understand, however, […]. .

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