What Taxes Apply to Life Insurance Premiums

What Taxes Apply to Life Insurance Premiums

The life insurance industry has developed in complexity and diversity over the years. When life insurance policies were originally created, they were insurance vehicles but over time, they’ve also become investment vehicles. Ultimately, all of this leads to a complex tax structure.

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How to Find Misleading Information In a Life Insurance Policy

How to Find Misleading Information In a Life Insurance Policy

The National Association of Insurance Commissioners adopted the model regulation, which is a new regulation aimed at protecting consumer and fostering consumer education. Under this regulation, new standardized procedures for policy illustrations were created to help ensure that all illustrations are not providing misleading information.

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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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Phishing Schemes Target Seniors

Phishing Schemes Target Seniors

If you’re a senior, there’s an army of criminals targeting you and estimates from the Federal Trade Commission say one in five seniors fall victim to their fraud operations. The scams come in a variety of flavors. Using “social engineering” methods and sophisticated online data-phishing techniques, the scammers see one thing when they contact a Little Old Lady From Pasadena – a ready victim. Experts estimate, in New York state alone, a half-million New York…

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Why Women Are Suffering From a Life Insurance Gap

Why Women Are Suffering From a Life Insurance Gap

Consumers are nearly in full agreement that we all need life insurance. In fact, 85% of consumers say life insurance is a key element of their plans for the future. So why do only 62% of consumers report that they actually own a life insurance policy? To a great extent, those numbers are responsible for a more troubling trend: women are suffering from a Life Insurance Gap. And the story doesn’t end there; of those…

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No Ginkgo Biloba – But These Preventive Measures Could Slow Down Dementia

No Ginkgo Biloba – But These Preventive Measures Could Slow Down Dementia

In a landmark report, scientists have endorsed three strategies for preventing dementia and cognitive decline associated with normal aging — being physically active, engaging in cognitive training and controlling high blood pressure. This is the first time experts convened by the National Academies of Sciences, Engineering and Medicine have deemed scientific evidence strong enough to suggest that preventing dementia and age-related cognitive decline might be possible. Seven years ago, in a separate report issued by…

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How Non U.S. Residents Can Buy Life Insurance From US Companies

How Non U.S. Residents Can Buy Life Insurance From US Companies

People all over the world have been seeking life insurance coverage from U.S. based life insurance companies due to the strong reputation these companies possess – along with very competitive prices. So is it possible for you to get covered even though you’re a foreign national or a non-U.S. resident? The answer is yes, but the process generally takes longer to complete. Before discussing how a non-U.S. resident can get life insurance, it is important…

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VA Honors Service Members Through Group Life Insurance

VA Honors Service Members Through Group Life Insurance

This Fourth of July honor our veterans and active servicemembers who have dedicated their lives to protecting our nation and securing our freedom.

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Protecting Your Online Content and Reputation

Protecting Your Online Content and Reputation

Many people, through personal and professional endeavors, are posting online. Whether it be a creative writing venture, an email to a family or friend, or posting for a blog; you are leaving your digital footprint. So how can it be protected? Content theft is rampant on the Internet, so how do you secure your content? When plagiarized, your reputation becomes questionable, not only with your readers but with Google, Yahoo and Bing as well. What can you do about all this? Technical Suggestions…

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Deep Analysis of the Senate’s Better Health Care Reconciliation Act

Deep Analysis of the Senate’s Better Health Care Reconciliation Act

Make no mistake this will impact you and your family. This is a critical issue as health care spending is 1/6 our annual domestic spending. The Senate promised a different health insurance plan than the House’s AHCA and they delivered with the Better Care Reconciliation Act (complete discussion draft here). You can read the Senate’s own Summary of the Discussion Draft. The BCRA is not a repeal of the ACA, it is instead a collection…

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