Life Insurance For Your Grandchildren

Life Insurance For Your Grandchildren

So as many Baby Boomer parents help their children and save for their own retirement, grandparents are saving and planning for their grandchildren’s college education with life insurance

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A 30-Minute Exercising Routine Can Cut Heart Failure Risk By 50%

A 30-Minute Exercising Routine Can Cut Heart Failure Risk By 50%

A recent study reported in the American Heart Association journal Circulation: Heart Failure, researchers say more than an hour of moderate or half an hour of vigorous exercise per day may lower your risk of heart failure by 46 percent. Heart failure is a common, disabling disease that accounts for about 2 percent of total healthcare costs in industrialized countries. The risk of death within five years of diagnosis is 30 percent to 50 percent,…

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What You Should Know About Children’s Life Insurance

What You Should Know About Children’s Life Insurance

If there is strong evidence of neglect and this type of conduct that caused the death of the insured, the company can deny to pay the beneficiary.

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Texting And Driving Putting America’s Highways In Peril

Texting And Driving Putting America’s Highways In Peril

Recent research reminds us that tragedy can strike with frightening regularity out on the highway – and lots of stories focus on increasingly careless drivers using mobile devices. In fact, a recent study appearing in the American Journal of Public Health revealed that fatalities connected to distracted driving increased nearly 30 percent between 2005 and 2008. Why the spike over that period of time?  It just so happens those years coincide with the rapid growth and popularity of…

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Transfer Tax Implications of Life Insurance and GSTT

Transfer Tax Implications of Life Insurance and GSTT

To help look after future generations, many people elect to transfer property and life insurance policies by gift or at death to a person two more generations below himself or herself. Typically, this means grandchildren and great-grandchildren, also referred to as skip-persons. The goal is to have assets pass from grandparent to skip-persons without being taxed in the child’s estate.

Typically, the transferor places assets in trust to children for life, then to grandchildren. Or, the transferor gives property to grandchildren or places it in trust for their benefit.

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More Cancer Survivors Are Getting Life Insurance

More Cancer Survivors Are Getting Life Insurance

And life insurance is available for cancer survivors as it was not possible many years ago.

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How Long Will You Live?

How Long Will You Live?

The American Council of Life Insurers defines life insurance companies grouping individuals into pools in order to share the financial risks presented by dying prematurely, needling long term care or becoming disabled.

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New Rules Certain to Impact Your Financial Planning and Life Insurance Strategy

New Rules Certain to Impact Your Financial Planning and Life Insurance Strategy

Should you buy life insurance to bolster or provide for your retirement savings? Recent news from the Department of Labor about a fiduciary rule scheduled to take effect on June 9 will impact your financial planning, so the simple answer is likely “yes.” Labor Secretary Alexander Acosta says that, while the Trump administration used an executive order to delay the rule, it’s now back on the table and could be implemented. Acosta wrote an op-ed…

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What Is An Attending Physician Statement

What Is An Attending Physician Statement

When a medical exam and questions is part of the life insurance application this is a standard way to obtain information from a doctor or medical facility.

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Insurance for Workers Overseas in High-risk Professions

Insurance for Workers Overseas in High-risk Professions

Whether you’re headed to Haiti as a volunteer helping to restore the earthquake-ravaged country, or to Iraq as an employee rebuilding its infrastructure, or even off the shores of Somalia as ship crewmember and scuba diving adventurist, you or your boss will most likely be looking at higher premiums — if you can get life insurance at all.

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