Life Insurance

 A multi faceted program with unappreciated benefits.

A brief description of today’s life Insurance polices.

Many seniors have grown up with the past impressions that life insurance was only to provide funds for the spouse when one dies. That is still true, and it has also become one of the most effective Estate Planning tools. Before dismissing the idea of any Life Insurance, ask What can it do for me?

 Todays polices can be used for:

 Some Long Term Care planing

 Estate Planning

Massive Gifting

Tax Free passing of assets

or a multitude of other benefits.

Questions. If you were able to purchase a home or expensive car for a fraction of its cost, would you take advantage of it? If you were able to avoid paying a large amount of taxes, would you do it? If you could avoid probate and pass assets to whom or where you wanted, would you do it?

Reconsider your impressions of Life Insurance to using it as a tool for your benefit, not just a death benefit. As a reference, at your local bookstore is a book called Dying Rich. This book will give you some more insight to the benefits of having Life Insurance as a part of your estate, regardless of size

       Many seniors would like to provide for their family in the best way available Never thinking of using Life Insurance. Just a few ideas:

             Your IRA is 100% taxable if taken in a lump sum. A policy can cover the taxes at a fraction of the tax amount.

             Estate Taxes are due in 6 months after death, regardless if the estate is settled or not. A policy will cover the taxes.

Life Insurance has a Designated Beneficiary and avoids probate or contesting

Take advantage of the cash value for current expenses.

Contact us to discuss how a Life Insurance policy may be of advantage to you

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