Life Insurance Inside of a Qualified Retirement Program

Life Insurance Inside of a Qualified Retirement Program

Life insurance inside of a qualified retirement program, like any other financial tool, has certain government regulation issues and concerns to deal with before making a decision. One thing to take into consideration is the Employee Retirement Income Security Act (ERISA) of 1974 – when life insurance or annuities are included in a qualified plan.

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Are There Options of Policy Dividends in Life Insurance Products?

Are There Options of Policy Dividends in Life Insurance Products?

Commonly associated with permanent policies; dividends are declared when an insurance company receives the premium payment from a policy owner, invests the money, and then returns a portion of the money back to the policyholder. After a policy is purchased, policy owners are given the opportunity to decide how dividends will be rewarded, which can be done through a series of options.

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