Does a Stay-At-Home Caregiver Need Life Insurance?

Does a Stay-At-Home Caregiver Need Life Insurance?

When you are thinking of life insurance to secure the financial well-being of your family, don’t forget the economical value to a stay-at-home caregiver. His or her financial impact would be felt the same way as losing the family breadwinner, working outside the home. Many discussions about the fiscal equivalence of a stay-at-home caregiver easily reaches into the six-figure range. Google is full of stories about the undocumented salary a stay-at-home caregiver generates over the…

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What Is An Irrevocable Life Insurance Trust?

What Is An Irrevocable Life Insurance Trust?

Historically, one of the main reasons to set up an irrevocable trust has been to avoid or minimize any potential estate tax, but now there are other planning purposes for these trusts. An advantage of life insurance trust is that it removes the life insurance from the estate of the insured. You should carefully consider who the trustee is and discuss the ramifications with your attorney.

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Offering the Lowest Life Insurance Rates Since 1984

lowest life insurance rates

For 36 years, LifeQuotes.com has been offering the lowest life insurance rates in an online or over the phone quoting process. Our quote engine is one of a kind and will take the information you give us regarding your health, family health history and lifestyle and filter your data to offer you the top plans best-suited to your unique needs. Visit LifeQuotes.com today and see how to secure your family’s financial well-being. Our simple phone…

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What Are No-Load/Low-Load Life Insurance Products?

no-load low-load life insurance products

No-load life insurance is designed for fee-only advisors, but there are limitations to this kind of policy, including no blanket agreement, which represents the best value for the consumer. Moreover, some states have restrictions and regulations on fee-based insurance advising and consulting. These policies are designed to help reduce policy costs, especially surrender charges in the early years.

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Choosing the Right Type of Life Insurance

Life insurance and IRS taxes

Choosing the right type of life insurance can be confusing, but it’s also an important decision. Here are some guidelines that can help you narrow down your best life insurance options. Consider term life insurance if… You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to…

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