LIFE INSURANCE
--Life Insurance. ---- SOUTH FL. CALL A REPRESENTATIVE AT: 786-709-6577--
Life insurance is a wealth-generating tool - it eases your surviving family's financial burdens in your absence and also
provides periodic income, which takes care of family needs.
Life insurance payable, can provide a surviving spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay debt, and and fund education tuition costs.
-------KNOWLEDGEFINANCIAL.COM
Talk with an insurance Representative who offers policies from companies whose financial strength is ranked
high by rating agencies.
SOUTH FLORIDA, CALL THE AGENT AT: 786-709-6577
Life Insurance
A protection against the loss of income that would result if the insured No Longer Exist. The named beneficiary
receives the proceeds and is thereby safeguarded from the financial impact of the absent of the insured.
--------KNOWLEDGEFINANCIAL.COM
The goal of life insurance is to provide a measure of financial security for your family So, before purchasing a life
insurance policy, you should consider your financial situation and the standard of living you want to maintain for
your dependents or survivors.
It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like
marriage, divorce, the birth or adoption of a child, or purchase of a major item such as a house or business.
Life insurance is a wealth-generating tool - it eases your surviving family's financial burdens in your absence and also
provides periodic income, which takes care of family needs.
Life insurance payable, can provide a surviving spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay debt, and and fund education tuition costs.
-------KNOWLEDGEFINANCIAL.COM
Talk with an insurance Representative who offers policies from companies whose financial strength is ranked
high by rating agencies.
SOUTH FLORIDA, CALL THE AGENT AT: 786-709-6577
Life Insurance
A protection against the loss of income that would result if the insured No Longer Exist. The named beneficiary
receives the proceeds and is thereby safeguarded from the financial impact of the absent of the insured.
--------KNOWLEDGEFINANCIAL.COM
The goal of life insurance is to provide a measure of financial security for your family So, before purchasing a life
insurance policy, you should consider your financial situation and the standard of living you want to maintain for
your dependents or survivors.
It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like
marriage, divorce, the birth or adoption of a child, or purchase of a major item such as a house or business.
| Life Insurance Clauses Determine Your Coverage Do you have a life insurance policy? How many times have you gone through your policy document? Once or maybe twice, right? And do these important clauses like incontestable clause, spendthrift clause or reinstatement clause mean anything to you? If you are totally clueless about terms like these, don't worry, this is the right article for you.  Life insurance is a wealth-generating tool - it eases your surviving family's financial burdens in your absence and also provides periodic income, which takes care of temporary needs like mortgage repayments, education etc. However, in order to make sure that your life insurance policy will provide for you family when you can't, you need to understand the product you are buying. Here we'll cover some sections of life insurance policies that you need to be aware of. Beneficiary Clause The main aim of life insurance is to transfer wealth to your heirs or to provide liquidity to your family. For that reason, you need to name a beneficiary who will receive the life insurance proceeds after your death. This beneficiary can be your spouse, children or relatives. You also can change your recipient's name any time during the term of the policy. However, if you still have not nominated a beneficiary, then your family is going to be in some trouble. The insurance money will go to your estate and the probate fees needed to settle your estate can dig a big hole in your surviving family's liquid assets. Therefore, it is always practical to have a primary and a contingent (secondary) beneficiary in your policy. For example, you can choose your wife as a primary beneficiary and your children as contingent beneficiaries. That way, in case your spouse also dies, your children will qualify for the insurance money. You pass through various phases in your life: marriage, divorce, a new business, the birth of your child and more. Consequently, you need to stay with the changing times by updating your beneficiaries to adjust for those events. Preference Beneficiary Clause If you have not nominated a beneficiary in your policy, your insurance company will disburse the life insurance money to the individuals listed in your policy. Presume that the order of priority in your policy is: 1) your spouse, 2) your children, 3) your parentts. If the proceeds are distributed, they will go the first living individual which, in most cases, will be your spouse. Survivorship Clause According to this clause, after your death, the policy proceeds will go to the beneficiary - for example your wife - but only if the beneficiary survives you by a stated number of days. Misstatement of Age Clause Your age plays an important role in determining adequate life insurance coverage. The older you are, the higher the premium that is charged. Therefore, if you lie about your real age to reduce your premiums you may to pay a huge price for it. In this situation, your insurer may choose to cancel your policy entirely, increase your premiums or adjust your policy amount. Incontestable Clause Your insurance company is entitled, usually during the first two years of the policy, to challenge the validity of your policy on the basis that you held back material information. If you are found guilty of concealment, your insurer will void the policy and return the premiums. For instance, if you concealed the important fact that you are a heavy drinker in order to get a lower premium and your insurer finds out about this lie, it will not pay the claim on your death if it occurs during the first two years of the policy. However, after the two-year period, your insurer cannot revoke the policy and has to pay the insurance money to your family without any opposition. Despite this clause, there are exceptions in which the insurance company will not have to pay the claim, such as in cases of deliberate fraud, where your insurer may opt to contest your policy even after the two-year period. This is the most important clause of your life insurance policy and, therefore, you should make sure that this clause is included in your policy and that you are familiar with the specified time limit. Spendthrift Clause If you have named your gambler son as a beneficiary, there is a chance that upon your death, your son's creditor may pounce on your life insurance proceeds. The spendthrift clause gives the insurer the right to hold back the proceeds and protect them from creditors. In this case, your insurer may prefer to pay the insurance money in installments to your son. Suicide Clause The suicide clause in your policy specifies that the insurance company will not pay the money if the insured attempts or commits suicide within a specified period from the beginning of the coverage. If the insured's death is a result of suicide, an insurer will only return previously paid premiums to the family. War Clause Normally, insurance companies do not compensate for death due to war or war-related developments. As per this clause, if you are a victim of war, your insurer will not pay out the benefits to you. In its place, your insurer will reimburse the previously paid premiums to your family. Aviation Clause According to this clause, your insurer will not pay compensation to your surviving family due to death on an airplane. Conversely, if you are an airline employee, you can buy aviation insurance by paying higher premiums. Free Look Period / Free Examination Period If you are not satisfied with the terms and conditions of the policy, you can return the policy within a specified period after receiving it and your premiums will be fully refunded. Here, the time frame will vary depending your insurer. Grace Period Clause There are times when you cannot pay the premiums as a result of financial troubles. In these circumstances, the "grace period" provision works in your favor. Your insurance company will provide a grace period within which you can make the necessary monetary arrangements and pay your premiums. During this time, you will continue to be covered by your insurance policy. If you still do not care to pay your premiums, your policy may be cancelled. If you die within the grace period, your insurer will pay the insurance money after subtracting the unpaid premium from that money. Reinstatement Clause If your policy has lapsed due to non-payment of premium, you can revive it by paying all the past outstanding premiums along with interest. However, you need to prove to your insurer that you continue to enjoy good health to qualify for this provision. Conclusion If you haven't yet taken the time to understand your insurance policy, you should do so as soon as possible. Life insurance is an asset if you know how to make the most of it, but many choose not to bother with insurance jargon and instead choose to blindly follow their insurance advisors - this choice can have serious consequences for you and your family. Your knowledge of the insurance clauses described above can give you an upper hand when purchasing life insurance and can help you ensure that your insurance coverage works in the best interests of your family. |
Life Insurance Distribution And Benefits
can be a very important investment for you, especially if you have a growing
family. You can get hassle-free wealth distribution among your children,
emergency loans at low interest, assured benefits and in the end, a death
benefit. All you need to do is to work out a sensible plan with your insurance
advisor, through which you can avail yourself of these aspects of your life
insurance policy.
In this article, we'll show you how these life insurance concepts can make a
huge difference in your life now.
Beneficiaries
The most prominent feature of a life insurance policy is the beneficiary
clause, which facilitates the easy transfer of your money to your successors
However, you need to be aware of the different kinds of beneficiaries in life
insurance:
Multiple Beneficiaries
You can have your children as multiple beneficiaries. All you have to do is
to indicate the names of these recipients and the amount of proceeds that
they are going to get.
Contingent Beneficiary
Naming a contingent beneficiary is always practical. Suppose that your first
(primary) beneficiary dies near the time of your own death. In this case, your
children will qualify for your insurance money if you nominate them as
contingent (secondary) beneficiaries. A contingent beneficiary can get life
insurance proceeds if the primary beneficiary dies before he or she can
receive the assets.
Minor as a Beneficiary
If you have named your minor child as a beneficiary, you will have to
appoint a guardian/trustee who will administer the insurance proceeds upon
your death.
Revocable Beneficiary
Here, the recipient can be changed any time during the policy.
Irrevocable beneficiary
In this type of beneficiary class, you cannot change your beneficiary's name
unless they consent to it. With an irrevocable beneficiary, creditors cannot
touch the policy proceeds as these monies are not considered to be a part
of your assets.
Lapse
It can happen that due to certain circumstances you forget to pay your
premiums, even in the specified grace period. Unfortunately, because you
have missed the deadline your policy will lapse.
Consequently, your insurance company can stop covering you or may
provide you reduced insurance coverage equivalent to the total premiums
paid formerly (also called paid-up policies). Nonetheless, a lapsed policy
may be renewed in some plans, although the exact renewal procedure
varies among different insurers.
Cash Surrender Value
Permanent life insurance policies like universal life insurance, whole life
insurance and variable life insurance are more attractive thanks to the
presence of built-in cash value. (Term life insurance policies do not offer
cash values). The interesting aspect of these policies is that you can
surrender your policy and get the accrued cash value in your hands
provided you have a substantial amount of cash value.
Cash Value
Here, a part of your premium is put in savings or another investment account
according to the type of policy you purchase. As a result, the ongoing
interest you receive from your investment account gradually increases your
cash value.
Non-Forfeiture Options
In permanent life insurance policies, if you fail to pay the premiums in the
grace period, you won't lose your life insurance - your accumulated cash
value will come to your rescue with the following options:
Terminate your policy and get the cash surrender value in hard cash.
Go for reduced coverage for the remaining term of the policy with no future
premiums. (i.e. paid-up policy)
Use your accumulated cash value to pay the future premiums (also referred
as automatic premium loan).
Buy an extended term insurance with the remaining cash surrender value
can be a very important investment for you, especially if you have a growing
family. You can get hassle-free wealth distribution among your children,
emergency loans at low interest, assured benefits and in the end, a death
benefit. All you need to do is to work out a sensible plan with your insurance
advisor, through which you can avail yourself of these aspects of your life
insurance policy.
In this article, we'll show you how these life insurance concepts can make a
huge difference in your life now.
Beneficiaries
The most prominent feature of a life insurance policy is the beneficiary
clause, which facilitates the easy transfer of your money to your successors
However, you need to be aware of the different kinds of beneficiaries in life
insurance:
Multiple Beneficiaries
You can have your children as multiple beneficiaries. All you have to do is
to indicate the names of these recipients and the amount of proceeds that
they are going to get.
Contingent Beneficiary
Naming a contingent beneficiary is always practical. Suppose that your first
(primary) beneficiary dies near the time of your own death. In this case, your
children will qualify for your insurance money if you nominate them as
contingent (secondary) beneficiaries. A contingent beneficiary can get life
insurance proceeds if the primary beneficiary dies before he or she can
receive the assets.
Minor as a Beneficiary
If you have named your minor child as a beneficiary, you will have to
appoint a guardian/trustee who will administer the insurance proceeds upon
your death.
Revocable Beneficiary
Here, the recipient can be changed any time during the policy.
Irrevocable beneficiary
In this type of beneficiary class, you cannot change your beneficiary's name
unless they consent to it. With an irrevocable beneficiary, creditors cannot
touch the policy proceeds as these monies are not considered to be a part
of your assets.
Lapse
It can happen that due to certain circumstances you forget to pay your
premiums, even in the specified grace period. Unfortunately, because you
have missed the deadline your policy will lapse.
Consequently, your insurance company can stop covering you or may
provide you reduced insurance coverage equivalent to the total premiums
paid formerly (also called paid-up policies). Nonetheless, a lapsed policy
may be renewed in some plans, although the exact renewal procedure
varies among different insurers.
Cash Surrender Value
Permanent life insurance policies like universal life insurance, whole life
insurance and variable life insurance are more attractive thanks to the
presence of built-in cash value. (Term life insurance policies do not offer
cash values). The interesting aspect of these policies is that you can
surrender your policy and get the accrued cash value in your hands
provided you have a substantial amount of cash value.
Cash Value
Here, a part of your premium is put in savings or another investment account
according to the type of policy you purchase. As a result, the ongoing
interest you receive from your investment account gradually increases your
cash value.
Non-Forfeiture Options
In permanent life insurance policies, if you fail to pay the premiums in the
grace period, you won't lose your life insurance - your accumulated cash
value will come to your rescue with the following options:
Terminate your policy and get the cash surrender value in hard cash.
Go for reduced coverage for the remaining term of the policy with no future
premiums. (i.e. paid-up policy)
Use your accumulated cash value to pay the future premiums (also referred
as automatic premium loan).
Buy an extended term insurance with the remaining cash surrender value
 | |  | |  | |  | |  |
KNOWLEDGEFINANCIAL.COM
SAVE YOUR HOME, SAVE YOUR CREDIT, REDUCE YOUR
MONTHLY PAYMENT, AVOID FORECLOSURE.
HOME BUYING
Home ownership is still very much a part of the American
dream but one that mandates homework, legwork and
considerable effort on your part to ensure that the process
goes
as smoothly as possible. Here's how to make your dream a
reality.
Home-Selling; HOME SELLING: WAYS TO SELL A
PROPERTY FAST AND EASY FOR THE TOP PRICE!
FINANCIAL KNOWLEDGE: The Successful Investment
Journey, Ten Tips For The Successful
How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial
Freedom.
SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE.
HOW DOES SOCIAL
SECURITY WORK?
Home refinancing: REFINANCE: 10 GREAT REASONS TO
REFINANCE A PROPERTY. NOW IT'S THE BEST TIME FOR
REFINANCING, THE INTEREST RATE IS
VERY LOW.
MONEY CRISIS: FINANCIAL SYSTEM IN TROUBLE: BAIL-
OUT PACKAGE. Americans react.
Where is the safe place to put MONEY? What about our
retirement accounts?
NO PANIC, NO EMOTION, NO WRONG DECISION!
HERE ARE THE SAFEST PLACES WHERE YOU CAN PUT
YOUR MONEY AND HAVE PEACE OF MIND!
FINANCIAL KNOWLEDGE: The Successful Investment
Journey, Ten Tips For The Successful Long-Term Investor,
Having
A Plan: learn the Basis Of Success
SMALL BUSINESS, METHODS, TECHNIQUES, AND
STRATEGIES.
Business structures 101, How to land a bank loan? It's
tougher to get business loans in this lender's market, but
these tips
can improve your chances
THE 16 DAYS THAT SHOOCK THE US ECONOMY IN
SEPTEMBER, 2008.
A shocking series of events that forever changed the
financial markets.
When banks don't lend to each other and the credit system
gets backed up, consumers have a ha
rd time getting a loan
Monthly news letter about the Financial world, Saving,
Investment, Real Estate,Economy
Money crisis: US FINANCIAL SYSTEM IN TROUBLE, BAIL-
OUT PACKAGE. Americans react
Questions: what are you doing with your money in the
wake of the financial crisis?
Where is the safe place to put MONEY?
NO PANIC, NO EMOTION, NO WRONG DECISION!
HERE ARE THE SAFEST PLACES WHERE YOU CAN PUT
YOUR MONEY AND HAVE PEACE OF MIND!
FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A
BETTER FUTURE IS TO PLAN TODAY TO OBTAIN A
COMPLETE FINANCIAL FREEDOM.
BUILDING WEALTH! How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial
Freedom.
THE FOREX MARKET:THE WORLD LARGEST EXCHANGE
MARKET
The foreign exchange market, or forex, has notoriously
been the domain
of government central banks and commercial and
investment banks. But
now more than ever individuals are tackling the forex
market as it offers
trading 24-hours a day, five days a week
AMERICA’S MONEY CRISIS / Bailout 101: What new law
says
Here's a rundown of key provisions of the financial rescue
plan that United State Senate voted, Wednesday October 1;
and the house voted Friday October 3, 2008.
FINANCIAL AID: FREE SCHOLARSHIP FOR SCHOOL
FREE GOVERNMENT GRANTS MONEY FOR SCHOOL
LOW INTEREST RATE LOANS FROM THE NATION LARGEST
SOURCES OF LOCAL, NATIONAL, SPECIFIC SCHOLARSHIP.
STOCK MARKET A WAY TO INVEST AND MULTIPLY YOUR
PROFITS. THESE INDUSTRIES HAS THOUSANDS OF
COMPANIES TO BUY STOCKS FROM:
PETROLEUM, AUTOMOBILE, CONSTRUCTION, REAL
ESTATE, PHARMACEUTICAL, ENERGY, ELECTRONIC,
RETAIL, BANKING AND FINANCING,
COMMUNICATION, TRANSPORTATION, RESOURCE
MINERALS ETC.
MONTHLY PAYMENT, AVOID FORECLOSURE.
HOME BUYING
Home ownership is still very much a part of the American
dream but one that mandates homework, legwork and
considerable effort on your part to ensure that the process
goes
as smoothly as possible. Here's how to make your dream a
reality.
Home-Selling; HOME SELLING: WAYS TO SELL A
PROPERTY FAST AND EASY FOR THE TOP PRICE!
FINANCIAL KNOWLEDGE: The Successful Investment
Journey, Ten Tips For The Successful
How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial
Freedom.
SOCIAL SECURITY; THE ULTIMATE RETIREMENT GUIDE.
HOW DOES SOCIAL
SECURITY WORK?
Home refinancing: REFINANCE: 10 GREAT REASONS TO
REFINANCE A PROPERTY. NOW IT'S THE BEST TIME FOR
REFINANCING, THE INTEREST RATE IS
VERY LOW.
MONEY CRISIS: FINANCIAL SYSTEM IN TROUBLE: BAIL-
OUT PACKAGE. Americans react.
Where is the safe place to put MONEY? What about our
retirement accounts?
NO PANIC, NO EMOTION, NO WRONG DECISION!
HERE ARE THE SAFEST PLACES WHERE YOU CAN PUT
YOUR MONEY AND HAVE PEACE OF MIND!
FINANCIAL KNOWLEDGE: The Successful Investment
Journey, Ten Tips For The Successful Long-Term Investor,
Having
A Plan: learn the Basis Of Success
SMALL BUSINESS, METHODS, TECHNIQUES, AND
STRATEGIES.
Business structures 101, How to land a bank loan? It's
tougher to get business loans in this lender's market, but
these tips
can improve your chances
THE 16 DAYS THAT SHOOCK THE US ECONOMY IN
SEPTEMBER, 2008.
A shocking series of events that forever changed the
financial markets.
When banks don't lend to each other and the credit system
gets backed up, consumers have a ha
rd time getting a loan
Monthly news letter about the Financial world, Saving,
Investment, Real Estate,Economy
Money crisis: US FINANCIAL SYSTEM IN TROUBLE, BAIL-
OUT PACKAGE. Americans react
Questions: what are you doing with your money in the
wake of the financial crisis?
Where is the safe place to put MONEY?
NO PANIC, NO EMOTION, NO WRONG DECISION!
HERE ARE THE SAFEST PLACES WHERE YOU CAN PUT
YOUR MONEY AND HAVE PEACE OF MIND!
FINANCIAL FREEDOM: A SMARTEST WAY TO PREPARE A
BETTER FUTURE IS TO PLAN TODAY TO OBTAIN A
COMPLETE FINANCIAL FREEDOM.
BUILDING WEALTH! How to Become Wealthy?
Nine Truths That Can Set You on the Path to Financial
Freedom.
THE FOREX MARKET:THE WORLD LARGEST EXCHANGE
MARKET
The foreign exchange market, or forex, has notoriously
been the domain
of government central banks and commercial and
investment banks. But
now more than ever individuals are tackling the forex
market as it offers
trading 24-hours a day, five days a week
AMERICA’S MONEY CRISIS / Bailout 101: What new law
says
Here's a rundown of key provisions of the financial rescue
plan that United State Senate voted, Wednesday October 1;
and the house voted Friday October 3, 2008.
FINANCIAL AID: FREE SCHOLARSHIP FOR SCHOOL
FREE GOVERNMENT GRANTS MONEY FOR SCHOOL
LOW INTEREST RATE LOANS FROM THE NATION LARGEST
SOURCES OF LOCAL, NATIONAL, SPECIFIC SCHOLARSHIP.
STOCK MARKET A WAY TO INVEST AND MULTIPLY YOUR
PROFITS. THESE INDUSTRIES HAS THOUSANDS OF
COMPANIES TO BUY STOCKS FROM:
PETROLEUM, AUTOMOBILE, CONSTRUCTION, REAL
ESTATE, PHARMACEUTICAL, ENERGY, ELECTRONIC,
RETAIL, BANKING AND FINANCING,
COMMUNICATION, TRANSPORTATION, RESOURCE
MINERALS ETC.
LIFE INSURANCE: Ways to Reduce Your Life Insurance Premium; Learn the importance and benefits of life insurance in real life. Life Insurance Clauses
Determine Your Coverage! Cashing In Your Life Insurance Policy! Life Insurance Distribution And Benefits and beneficiary. ------
SOUTH FLORIDA, CALL A REPRESENTATIVE AT: 786-709-6577
Determine Your Coverage! Cashing In Your Life Insurance Policy! Life Insurance Distribution And Benefits and beneficiary. ------
SOUTH FLORIDA, CALL A REPRESENTATIVE AT: 786-709-6577
INSURANCE: WAYS TO MAKE MONEY &
SAVE MONEY ON YOUR INSURANCE. 15
Insurance Policies You Don't Need
Five Insurance Policies Everyone
Should Have
Protecting your most important assets is an important step in creating a
solid personal financial plan. The right insurance policies will go a long
way toward helping you safeguard your earning power and your
possessions
THE IMPORTANCE OF INSURANCE IN
SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound
financial plan
Different types of insurance protect you and your loved ones in different
ways against the cost of accidents, illness, disability, and death.
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse,
children, and other dependents with the funds necessary to maintain
their standards of living, can help repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting
your insurance premium (age and family medical history), there are
steps you can take regarding the third - lifestyle. You could lower your
insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity”
comes from the Latin for “year”. In the context of life insurance, it is a
contract between you and an insurance company under which the
insurance company pays you money for a stipulated period.
Things to Remember When Buying Health-
care
It’s always much easier and much less complicated choosing
healthcare coverage from your employer.
SAVE MONEY ON YOUR INSURANCE. 15
Insurance Policies You Don't Need
Five Insurance Policies Everyone
Should Have
Protecting your most important assets is an important step in creating a
solid personal financial plan. The right insurance policies will go a long
way toward helping you safeguard your earning power and your
possessions
THE IMPORTANCE OF INSURANCE IN
SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any sound
financial plan
Different types of insurance protect you and your loved ones in different
ways against the cost of accidents, illness, disability, and death.
Life Insurance
Life insurance, payable when you die, can provide a surviving spouse,
children, and other dependents with the funds necessary to maintain
their standards of living, can help repay debt, and
can fund education tuition costs.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors affecting
your insurance premium (age and family medical history), there are
steps you can take regarding the third - lifestyle. You could lower your
insurance premium if you:
Annuities & Pensions Insurance
Basically, an annuity is just a series or stream of payments. “Annuity”
comes from the Latin for “year”. In the context of life insurance, it is a
contract between you and an insurance company under which the
insurance company pays you money for a stipulated period.
Things to Remember When Buying Health-
care
It’s always much easier and much less complicated choosing
healthcare coverage from your employer.
HOME BUYING PROCESS
WE ARE LICENSED MORTGAGE BROKER. FOR
YOUR REAL ESTATE FINANCING, MORTGAGE &
LOANS, HOME REFINANCING, HOME
EQUITY, MORTGAGE LOAN MODIFICATION,
REAL ESTATE INVESTMENT INFORMATION
CENTER.
CONTACT Mr. ANTONY AT: 786-709-6577 WE'RE
COMPETENT, WE'RE LOYAL, & WE'VE ALL THE
EXPERIENCE NECESSARY IN REAL ESTATE,
FINANCE & MORTGAGE TO HELP YOU!
HOME-BUYING GUIDE ----- HOME-SELLING
GUIDE
WE ARE LICENSED MORTGAGE BROKER. FOR
YOUR REAL ESTATE FINANCING, MORTGAGE &
LOANS, HOME REFINANCING, HOME
EQUITY, MORTGAGE LOAN MODIFICATION,
REAL ESTATE INVESTMENT INFORMATION
CENTER.
CONTACT Mr. ANTONY AT: 786-709-6577 WE'RE
COMPETENT, WE'RE LOYAL, & WE'VE ALL THE
EXPERIENCE NECESSARY IN REAL ESTATE,
FINANCE & MORTGAGE TO HELP YOU!
HOME-BUYING GUIDE ----- HOME-SELLING
GUIDE
Cashing In Your Life Insurance Policy
In tough economic times, people are sometimes left
scrambling for cash to meet everyday expenses and lifestyle
demands. Your life insurance policy is a possible source of
funds - but should you tap into it?
There are certainly some drawbacks to using life insurance to
meet immediate cash needs, especially if you're
compromising your long-term goals or your family's financial
future. Nevertheless, if other options are not available, life
insurance, especially cash-value life insurance, can be a
source of needed income
Methods of Accessing Cash
Cash-value life insurance, such as whole life and universal
life, builds reserves through excess premiums plus earnings.
These deposits are held in a cash-accumulation account
within the policy.
Cash-value life insurance offers the opportunity to access
cash accumulations within the policy either through
withdrawals, policy loans, or partial or full surrender of the
policy. Another alternative involves selling your policy for
cash, a method known as a life settlement.
Be sure to bear in mind that although cash from the policy
might be useful during stressful financial times, you could
face unwanted consequences depending on the method you
use to access the funds.
Withdrawals
Generally, it is possible to withdraw limited amounts of cash
from a life insurance policy. The amount available differs
based on the type of policy you own and the company
issuing it. The main advantage of cash-value withdrawals is
that they are not taxable up to your policy basis, as long as
your policy is not classified as a modified endowment
contract (MEC).
However, cash-value withdrawals can have unexpected or
unrealized consequences:
Withdrawals that reduce your cash value could cause a
reduction of your death benefit - a potential source of funds
you might need for income replacement, business purposes
or wealth preservation.
Cash-value withdrawals are not always received income-tax
free. For example, if you take a withdrawal during in the first
15 years of the policy and the withdrawal causes a reduction
in the policy's death benefit, some or all of the withdrawn
cash could be subject to taxation.
Withdrawals are treated as taxable to the extent that they
exceed your basis in the policy.
Withdrawals that reduce your cash surrender value could
cause your premiums to increase in order to maintain the
same death benefit; otherwise, the policy could lapse.
If your policy has been classified as an MEC, withdrawals
generally are taxed according to the rules applicable to
annuities - cash disbursements are considered to be made
from interest first and are subject to income tax and possibly
the 10% early-withdrawal penalty if you're under age 59.5 at
the time of the withdrawal.
Loans
Most cash-value policies allow you to borrow money from the
issuer using your cash-accumulation account as collateral.
Depending on the terms of the policy, the loan might be
subject to interest at varying rates; however, you are not
obligated to financially "qualify" for the loan. The amount
you can borrow is based on the value of the policy's
cash-accumulation account and the contract's terms
The good news is that borrowed amounts from non-MEC
policies are not taxable, and you don't have to make
payments on the loan, even though the outstanding loan
balance might be accruing interest.
The bad news is that loan balances generally reduce your
policy's death benefit, meaning your beneficiaries might
receive less than you intended. Also, an unpaid loan that is
accruing interest reduces your cash value, which can cause
the policy to lapse if insufficient premiums are paid to
maintain the death benefit. If the loan is still outstanding
when the policy lapses or if you later surrender the insurance,
the borrowed amount becomes taxable to the extent the
cash value (without reduction for the outstanding loan
balance) exceeds your basis in the contract.
Policy loans from a policy that is considered an MEC are
treated as distributions, meaning the amount of the loan up
to the earnings in the policy will be taxable and could also
be subject to the pre-59.5 early-withdrawal penalty
In tough economic times, people are sometimes left
scrambling for cash to meet everyday expenses and lifestyle
demands. Your life insurance policy is a possible source of
funds - but should you tap into it?
There are certainly some drawbacks to using life insurance to
meet immediate cash needs, especially if you're
compromising your long-term goals or your family's financial
future. Nevertheless, if other options are not available, life
insurance, especially cash-value life insurance, can be a
source of needed income
Methods of Accessing Cash
Cash-value life insurance, such as whole life and universal
life, builds reserves through excess premiums plus earnings.
These deposits are held in a cash-accumulation account
within the policy.
Cash-value life insurance offers the opportunity to access
cash accumulations within the policy either through
withdrawals, policy loans, or partial or full surrender of the
policy. Another alternative involves selling your policy for
cash, a method known as a life settlement.
Be sure to bear in mind that although cash from the policy
might be useful during stressful financial times, you could
face unwanted consequences depending on the method you
use to access the funds.
Withdrawals
Generally, it is possible to withdraw limited amounts of cash
from a life insurance policy. The amount available differs
based on the type of policy you own and the company
issuing it. The main advantage of cash-value withdrawals is
that they are not taxable up to your policy basis, as long as
your policy is not classified as a modified endowment
contract (MEC).
However, cash-value withdrawals can have unexpected or
unrealized consequences:
Withdrawals that reduce your cash value could cause a
reduction of your death benefit - a potential source of funds
you might need for income replacement, business purposes
or wealth preservation.
Cash-value withdrawals are not always received income-tax
free. For example, if you take a withdrawal during in the first
15 years of the policy and the withdrawal causes a reduction
in the policy's death benefit, some or all of the withdrawn
cash could be subject to taxation.
Withdrawals are treated as taxable to the extent that they
exceed your basis in the policy.
Withdrawals that reduce your cash surrender value could
cause your premiums to increase in order to maintain the
same death benefit; otherwise, the policy could lapse.
If your policy has been classified as an MEC, withdrawals
generally are taxed according to the rules applicable to
annuities - cash disbursements are considered to be made
from interest first and are subject to income tax and possibly
the 10% early-withdrawal penalty if you're under age 59.5 at
the time of the withdrawal.
Loans
Most cash-value policies allow you to borrow money from the
issuer using your cash-accumulation account as collateral.
Depending on the terms of the policy, the loan might be
subject to interest at varying rates; however, you are not
obligated to financially "qualify" for the loan. The amount
you can borrow is based on the value of the policy's
cash-accumulation account and the contract's terms
The good news is that borrowed amounts from non-MEC
policies are not taxable, and you don't have to make
payments on the loan, even though the outstanding loan
balance might be accruing interest.
The bad news is that loan balances generally reduce your
policy's death benefit, meaning your beneficiaries might
receive less than you intended. Also, an unpaid loan that is
accruing interest reduces your cash value, which can cause
the policy to lapse if insufficient premiums are paid to
maintain the death benefit. If the loan is still outstanding
when the policy lapses or if you later surrender the insurance,
the borrowed amount becomes taxable to the extent the
cash value (without reduction for the outstanding loan
balance) exceeds your basis in the contract.
Policy loans from a policy that is considered an MEC are
treated as distributions, meaning the amount of the loan up
to the earnings in the policy will be taxable and could also
be subject to the pre-59.5 early-withdrawal penalty
 |  |  |  |  |  |  |  |
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..Life Insurance Advantages, Benefits, & Features While
Alive and After Death... Learn More Here!
..Insurance General Information: Ways to Make Money &
Save Money on Your Insurance. Learn More...
..Term Insurance Advantages, Term Insurance General
Knowledge. Buy the Term, and invest the difference. Learn
More...
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Life Insurance...
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Protecting your most important assets is an important step in
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policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS
WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR BETTER
CHOICES, BETTER DECISION, BETTER GUARANTEE AND
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Life Insurance
Life insurance, payable when you die, can provide a surviving
spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay
debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
Alive and After Death... Learn More Here!
..Insurance General Information: Ways to Make Money &
Save Money on Your Insurance. Learn More...
..Term Insurance Advantages, Term Insurance General
Knowledge. Buy the Term, and invest the difference. Learn
More...
..Life Insurance Quote. Find out if You Pay too much for
Your Insurance, Or Check How Much You Can Pay For a
Life Insurance...
..Investment Products: Investing & Money Management
Basics. FINANCIAL SOLUTIONS, TOOLS &
RESOURCES. LEARN MORE...
Insurance Products: How to make profits with the
insurance companies? Learn More.
..Five Insurance Policies Everyone Should Have
Protecting your most important assets is an important step in
creating a solid personal financial plan. The right insurance
policies will go a long way toward helping you safeguard your
earning power and your possessions
THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE!
Your Financial Plan; Insurance is an important element of any
sound financial plan
Different types of insurance protect you and your loved ones in
different ways against the cost of accidents, illness, disability,
and death.
INSURANCE KNOWLEDGE
LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS
WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL
KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR BETTER
CHOICES, BETTER DECISION, BETTER GUARANTEE AND
BETTER SATISFACTION. LEARN MORE HERE...
..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED,
START WORKING IMMEDIATELY WITH ONE OF THE GREATEST
INSURANCE COMPANY IN THE WORLD?
FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING,
FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN
MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE
HERE...
Life Insurance
Life insurance, payable when you die, can provide a surviving
spouse, children, and other dependents with the funds
necessary to maintain their standards of living, can help repay
debt, and can fund education tuition costs.
LIFE INSURANCE QUOTE. LEARN MORE..
the least amount of coverage, and vice versa.
Ways to Reduce Your Life Insurance Premium
While you can't do anything about two of the three main factors
affecting your insurance premium (age and family medical
history), there are steps you can take regarding the third -
lifestyle. You could lower your insurance premium if you:
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LIFE INSURANCE
Who needs life insurance?
Pretty much everybody; do not count only on employment life
insurance, insufficient coverage always, if you leave the job you
loss coverage.
If there are individuals who depend on you for financial support,
or if you work at home providing for your family, you need life
insurance. ---knowledgefinancial.com
Older couples also may need life insurance to protect a
surviving spouse against the possibility of the couple's
retirement savings being depleted by unexpected medical
expenses.
And individuals with substantial assets may need life insurance
to help reduce the effects of estate taxes or to transfer wealth
to future generations. --MIAMI DADE, BROWARD COUNTY FL.
CALL THE AGENT AT: 786-709-6577
www.knowledgefinancial.com
Who needs life insurance?
Pretty much everybody; do not count only on employment life
insurance, insufficient coverage always, if you leave the job you
loss coverage.
If there are individuals who depend on you for financial support,
or if you work at home providing for your family, you need life
insurance. ---knowledgefinancial.com
Older couples also may need life insurance to protect a
surviving spouse against the possibility of the couple's
retirement savings being depleted by unexpected medical
expenses.
And individuals with substantial assets may need life insurance
to help reduce the effects of estate taxes or to transfer wealth
to future generations. --MIAMI DADE, BROWARD COUNTY FL.
CALL THE AGENT AT: 786-709-6577
www.knowledgefinancial.com
LIFE INSURANCE
Life insurance is an important component of a sound financial
plan. Buying insurance involves asking a variety of personal
lifestyle and financial questions. ---knowledgefinancial.com
If you are not already working with an insurance professional, you
may want to consider the advice of professional agent, and
advisor who can offer you an objective review of your insurance
options.
South Florida, CALL THE AGENT AT: 786-709-6577
Life insurance is an important component of a sound financial
plan. Buying insurance involves asking a variety of personal
lifestyle and financial questions. ---knowledgefinancial.com
If you are not already working with an insurance professional, you
may want to consider the advice of professional agent, and
advisor who can offer you an objective review of your insurance
options.
South Florida, CALL THE AGENT AT: 786-709-6577
Conventional wisdom says that life insurance is sold,
not purchased. In other words, some people are
reluctant to discuss the importance of owning life
insurance, and others are simply unaware of the need
to have life insurance.
not purchased. In other words, some people are
reluctant to discuss the importance of owning life
insurance, and others are simply unaware of the need
to have life insurance.
LIFE INSURANCE
Life insurance planning with and Agent who knows the market
When you begin your life insurance search with us, as your advisor We will guide you through every step of the process. Working together, you will:
1. Define the role of life insurance in your financial plan. -----knowledgefinancial.com
2. Explore what matters most to you.
3. Assess your coverage needs. You and the Agent / Advisor will figure out how much life insurance you need
.MIAMI DADE, BROWARD COUNTY FL. CALL THE AGENT AT: 786-709-6577
Life insurance planning with and Agent who knows the market
When you begin your life insurance search with us, as your advisor We will guide you through every step of the process. Working together, you will:
1. Define the role of life insurance in your financial plan. -----knowledgefinancial.com
2. Explore what matters most to you.
3. Assess your coverage needs. You and the Agent / Advisor will figure out how much life insurance you need
.MIAMI DADE, BROWARD COUNTY FL. CALL THE AGENT AT: 786-709-6577
Life insurance --- SOUTH FLORIDA CALL A REPRESENTATIVE AT: 786-709-6577
Can help you plan your estate and secure the future of those who matter to you most by shielding them from the financial consequences of your
death. Insurance proceeds are income tax-free and are paid directly to your beneficiaries. Because the process bypasses probate, it saves time
and money. ----knowledgefinancial.com
Why is life insurance important?
Life insurance is an effective and efficient way to help those you care about to maintain their quality of life, repay debt and fund education in the
event of an untimely death
Can help you plan your estate and secure the future of those who matter to you most by shielding them from the financial consequences of your
death. Insurance proceeds are income tax-free and are paid directly to your beneficiaries. Because the process bypasses probate, it saves time
and money. ----knowledgefinancial.com
Why is life insurance important?
Life insurance is an effective and efficient way to help those you care about to maintain their quality of life, repay debt and fund education in the
event of an untimely death
Insurance information
Learn about life insurance basics and other types of insurance, and
explore how to protect what's important as part of your financial plan.
LIFE INSURANCE:
It's essential to protect those who matter most to you from financial
hardship in the event of your death.
That's one of the reasons life insurance is considered a necessity for
parents with young children. Life insurance pays an income-tax- free
death benefit directly to your beneficiaries and helps ensure they have
adequate funds to meet their living expenses and other future goals,
such as college education and retirement.
Learn about life insurance basics and other types of insurance, and
explore how to protect what's important as part of your financial plan.
LIFE INSURANCE:
It's essential to protect those who matter most to you from financial
hardship in the event of your death.
That's one of the reasons life insurance is considered a necessity for
parents with young children. Life insurance pays an income-tax- free
death benefit directly to your beneficiaries and helps ensure they have
adequate funds to meet their living expenses and other future goals,
such as college education and retirement.
Life insurance, Buying life insurance:
What kind & how much?
Life insurance solutions can help you plan your estate
and secure the future of those who matter to you
most by shielding them from the financial
consequences of your death.
Insurance proceeds are income tax-free and are paid
directly to your beneficiaries. Because the process
bypasses probate, it saves time and money. MIAMI
DADE, BROWARD COUNTY FL. CALL AT: 786-709-6577
What kind & how much?
Life insurance solutions can help you plan your estate
and secure the future of those who matter to you
most by shielding them from the financial
consequences of your death.
Insurance proceeds are income tax-free and are paid
directly to your beneficiaries. Because the process
bypasses probate, it saves time and money. MIAMI
DADE, BROWARD COUNTY FL. CALL AT: 786-709-6577
We know it's difficult to imagine a time when you won't
be there to help provide for your family. That's why
.www.knowledgefinancial.com has gathered info of
Life insurance products* designed to help at any
stage of life.
be there to help provide for your family. That's why
.www.knowledgefinancial.com has gathered info of
Life insurance products* designed to help at any
stage of life.
LIFE INSURANCE
Knowing that you've planned for your family's
financial needs can give you a great deal of peace of
mind. Certain life insurance policies offer features
that can help you meet other goals, too, including
education, retirement, tax savings and estate
planning. ------knowledgefinancial.com
SOUTH FLORIDA, CONTACT THE AGENT AT:
786-709-6577 ---
Knowing that you've planned for your family's
financial needs can give you a great deal of peace of
mind. Certain life insurance policies offer features
that can help you meet other goals, too, including
education, retirement, tax savings and estate
planning. ------knowledgefinancial.com
SOUTH FLORIDA, CONTACT THE AGENT AT:
786-709-6577 ---
Life insurance is a wealth-generating tool - it eases your
surviving family's financial burdens in your absence and also
provides periodic income, which takes care of temporary
needs
However, in order to make sure that your life insurance
policy will provide for you family when you can't, you need to
understand the product you are buying.
---knowledgefinancial.com
SOUTH FLORIDA, TALK TO A LICENSED AND EXPERIENCED
AGENT AT: 786-709-6577 --
surviving family's financial burdens in your absence and also
provides periodic income, which takes care of temporary
needs
However, in order to make sure that your life insurance
policy will provide for you family when you can't, you need to
understand the product you are buying.
---knowledgefinancial.com
SOUTH FLORIDA, TALK TO A LICENSED AND EXPERIENCED
AGENT AT: 786-709-6577 --
LIFE INSURANCE
Who needs life insurance?
Pretty much everybody; do not count only on employment life insurance, insufficient coverage always, if you leave the job you loss coverage.
--------knowledgefinancial.com
If there are individuals who depend on you for financial support, or if you work at home providing for your family, you need life insurance.
Older couples also may need life insurance to protect a surviving spouse against the possibility of the couple's retirement savings being depleted
by unexpected medical expenses.
And individuals with substantial assets may need life insurance to help reduce the effects of estate taxes or to transfer wealth to future
generations. ----------knowledgefinancial.com
Who needs life insurance?
Pretty much everybody; do not count only on employment life insurance, insufficient coverage always, if you leave the job you loss coverage.
--------knowledgefinancial.com
If there are individuals who depend on you for financial support, or if you work at home providing for your family, you need life insurance.
Older couples also may need life insurance to protect a surviving spouse against the possibility of the couple's retirement savings being depleted
by unexpected medical expenses.
And individuals with substantial assets may need life insurance to help reduce the effects of estate taxes or to transfer wealth to future
generations. ----------knowledgefinancial.com
Points to Remember
Term insurance is basic, inexpensive coverage with
premiums that increase over time and have no cash
value.
Consider a term policy that is renewable and convertible
to a permanent type of life insurance policy, such as
whole life or universal life, should your needs change.
Whole life provides level coverage with level premiums.
A portion of those premiums goes into tax-deferred
savings.
Variable life offers control over your investments.
Premiums on variable policies are fixed, but face value
and the value of your investments can fluctuate.
Universal life is highly flexible, but is sensitive to interest
rate changes. Universal variable life offers more
investment options but fewer guarantees.
Insurance needs are based on income replacement and
personal preferences. ------knowledgefinancial.com
Term insurance is basic, inexpensive coverage with
premiums that increase over time and have no cash
value.
Consider a term policy that is renewable and convertible
to a permanent type of life insurance policy, such as
whole life or universal life, should your needs change.
Whole life provides level coverage with level premiums.
A portion of those premiums goes into tax-deferred
savings.
Variable life offers control over your investments.
Premiums on variable policies are fixed, but face value
and the value of your investments can fluctuate.
Universal life is highly flexible, but is sensitive to interest
rate changes. Universal variable life offers more
investment options but fewer guarantees.
Insurance needs are based on income replacement and
personal preferences. ------knowledgefinancial.com
| SOUTH FLORIDA LICENSED INSURANCE AGENT: 786-709-6577 FOR INSURANCE GENERAL INFORMATION. LICENSED REAL ESTATE AGENT: 786-709-6577 FOR REAL ESTATE COMPLETE ADVICE & INFORMATION. BUYING, SELLING & LEASING ANTONY JEANTY F.I.R. LICENSED MORTGAGE BROKER: 786-709-6577 FOR MORTGAGE GLOBAL INFORMATION, FINANCING, & REFINANCING. |
| ..State Insurance Departments for all 50 States.. REQUEST INSURANCE INFORMATION, PLACE A COMPLAINT, CHECK ON AN INSURANCE COMPANY, CHECK INSURANCE LICENSES, FIND QUALIFIED AGENTS, FIND LOCATION ETC. - -..Life Insurance Advantages, Benefits, & Features While Alive and After Death... Learn More Here! ..Insurance General Information: Ways to Make Money & Save Money on Your Insurance. Learn More... ..Term Insurance Advantages, Term Insurance General Knowledge. Buy the Term, and invest the difference. Learn More... ..Life Insurance Quote. Find out if You Pay too much for Your Insurance, Or Check How Much You Can Pay For a Life Insurance... ..Investment Products: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... Insurance Products: How to make profits with the insurance companies? Learn More. NSURANCE KNOWLEDGE LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND AFTER DEATH. INSURANCE 101: EVERYTHING YOU NEED TO KNOW ABOUT INSURANCE. LEARN HOW WIN THE INSURANCE GAME... |
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--MISTAKES MADE: Do you know the 5 biggest mistakes people who are
already had an insurance policy made?- If not, I will let you know! ----
JUST CONTACT THE LICENSED REPRESENTATIVE AT: 786-709-6577
--Do You Know the 10 Greatest Reasons, Benefits, Advantages For
People To Have an Insurance Policy?
If not, I will let you know! JUST CONTACT ME! AT: 786-709-6577 --
{AFFORDABLE LIFE INSURANCE: BEST PRICES, BEST PLAN, WITH
THE BEST COMPANY}
WHY EVERYONE SHOULD HAVE INSURANCE POLICY???
WHAT ARE THE FEATURES, ADVANTAGES, AND BENEFITS OF LIFE
INSURANCE WHILE ALIVE AND AFTER DEATH? -- CALL A LICENSED
REPRESENTATIVE AT: 786-709-6577
-------------KNOWLEDGEFINANCIAL.COM
Replace income for dependents
If people depend on your income, life insurance can replace that income for them if you die. Assure
your family a better future. Pay college for kids.
South FLORIDA, CALL THE LICENSED REPRESENTATIVE AT: 786-709-6577--
Most importantly for parents with young children. However, it can also apply to couples in which
the survivor would be financially stricken by the income lost through the death of a partner, and to
dependent adults.
-------------------KNOWLEDGEFINANCIAL.COM
Pay final expenses
Life insurance can pay your funeral and burial costs, probate and other estate administration
costs, debts and medical expenses not covered by health insurance.
--------------------
. Create an inheritance for your heirs
Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a
life insurance policy and naming them as beneficiaries.
-----------------KNOWLEDGEFINANCIAL.COM
South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577
LIFE INSURANCE
Pay federal “death” taxes and state “death” taxes
Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other
assets or take a smaller inheritance.
----------------- KNOWLEDGEFINANCIAL.COM
LIFE INSURANCE
Creates a source of savings
Some types of life insurance create a cash value that can be borrowed or withdrawn on the owner’
s request. --South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577
TERM LIFE INSURANCE
--Even better if you buy term life insurance not expensive but very good and invest the difference. At
withdrawal; you don't have to borrow, no interest charges.
Since most people make paying their life insurance policy premiums a high priority, buying a cash-
value type policy can create a kind of “forced” savings plan.
Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death
claim).
--But term life insurance with a separate investment plan is the best.
South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577
-----------------KNOWLEDGEFINANCIAL.COM
already had an insurance policy made?- If not, I will let you know! ----
JUST CONTACT THE LICENSED REPRESENTATIVE AT: 786-709-6577
--Do You Know the 10 Greatest Reasons, Benefits, Advantages For
People To Have an Insurance Policy?
If not, I will let you know! JUST CONTACT ME! AT: 786-709-6577 --
{AFFORDABLE LIFE INSURANCE: BEST PRICES, BEST PLAN, WITH
THE BEST COMPANY}
WHY EVERYONE SHOULD HAVE INSURANCE POLICY???
WHAT ARE THE FEATURES, ADVANTAGES, AND BENEFITS OF LIFE
INSURANCE WHILE ALIVE AND AFTER DEATH? -- CALL A LICENSED
REPRESENTATIVE AT: 786-709-6577
-------------KNOWLEDGEFINANCIAL.COM
Replace income for dependents
If people depend on your income, life insurance can replace that income for them if you die. Assure
your family a better future. Pay college for kids.
South FLORIDA, CALL THE LICENSED REPRESENTATIVE AT: 786-709-6577--
Most importantly for parents with young children. However, it can also apply to couples in which
the survivor would be financially stricken by the income lost through the death of a partner, and to
dependent adults.
-------------------KNOWLEDGEFINANCIAL.COM
Pay final expenses
Life insurance can pay your funeral and burial costs, probate and other estate administration
costs, debts and medical expenses not covered by health insurance.
--------------------
. Create an inheritance for your heirs
Even if you have no other assets to pass to your heirs, you can create an inheritance by buying a
life insurance policy and naming them as beneficiaries.
-----------------KNOWLEDGEFINANCIAL.COM
South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577
LIFE INSURANCE
Pay federal “death” taxes and state “death” taxes
Life insurance benefits can pay estate taxes so that your heirs will not have to liquidate other
assets or take a smaller inheritance.
----------------- KNOWLEDGEFINANCIAL.COM
LIFE INSURANCE
Creates a source of savings
Some types of life insurance create a cash value that can be borrowed or withdrawn on the owner’
s request. --South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577
TERM LIFE INSURANCE
--Even better if you buy term life insurance not expensive but very good and invest the difference. At
withdrawal; you don't have to borrow, no interest charges.
Since most people make paying their life insurance policy premiums a high priority, buying a cash-
value type policy can create a kind of “forced” savings plan.
Furthermore, the interest credited is tax deferred (and tax exempt if the money is paid as a death
claim).
--But term life insurance with a separate investment plan is the best.
South FLORIDA, CALL THE REPRESENTATIVE FOR A FREE QUOTE AT: 786-709-6577
-----------------KNOWLEDGEFINANCIAL.COM
Life insurance is a wealth-generating tool - it eases your surviving family's financial burdens
in your absence and also provides periodic income, which takes care of temporary needs
However, in order to make sure that your life insurance policy will provide for you family
when you can't, you need to understand the product you are buying.
------knowledgefinancial.com
SOUTH FLORIDA, TALK TO A LICENSED AND EXPERIENCED AGENT AT: 786-709-6577 --
in your absence and also provides periodic income, which takes care of temporary needs
However, in order to make sure that your life insurance policy will provide for you family
when you can't, you need to understand the product you are buying.
------knowledgefinancial.com
SOUTH FLORIDA, TALK TO A LICENSED AND EXPERIENCED AGENT AT: 786-709-6577 --
..TERM LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND AFTER
DEATH. BUY THE TERM, INVEST THE DIFFERENCE.
DEATH. BUY THE TERM, INVEST THE DIFFERENCE.
Life Insurance. ---- SOUTH FL. CALL A REPRESENTATIVE AT: 786-709-6577
ADVANTAGE OF LIFE INSURANCE
Accelerated Death Benefit -
A benefit that can be attached to a life insurance policy that
enables the policy holder to receive cash advances against
the death benefit While alive in the case of being diagnosed with a
terminal illness.
SOUTH FLORIDA, CALL THE REPRESENTATIVE AT: 786-709-6577
ADVANTAGES & BENEFITS OF LIFE INSURANCE
Waiver Of Premium Rider Provision
A clause in an insurance policy that waives the
policyholder's obligation to pay any further premiums should
he or she become seriously ill or disabled.
ADVANTAGE OF LIFE INSURANCE
Accelerated Death Benefit -
A benefit that can be attached to a life insurance policy that
enables the policy holder to receive cash advances against
the death benefit While alive in the case of being diagnosed with a
terminal illness.
SOUTH FLORIDA, CALL THE REPRESENTATIVE AT: 786-709-6577
ADVANTAGES & BENEFITS OF LIFE INSURANCE
Waiver Of Premium Rider Provision
A clause in an insurance policy that waives the
policyholder's obligation to pay any further premiums should
he or she become seriously ill or disabled.
Life Insurance. ---- SOUTH FL. CALL A REPRESENTATIVE AT: 786-709-6577
Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents with the funds necessary to maintain their standards of living, can
help repay debt, and
can fund education tuition costs. The amount you need depends on your situation. If you make $100,000 a year, have a sizable mortgage, and have two kids headed to an
expensive college.
-------KNOWLEDGEFINANCIAL.COM
Talk with an insurance Representative who offers policies from companies whose financial strength is ranked high by rating agencies.
SOUTH FLORIDA, CALL THE AGENT AT: 786-709-6577
Life Insurance
A protection against the loss of income that would result if the insured No Longer Exist. The named beneficiary receives the proceeds and is thereby safeguarded from
the financial impact of the absent of the insured. --------KNOWLEDGEFINANCIAL.COM
The goal of life insurance is to provide a measure of financial security for your family after you die. So, before purchasing a life insurance policy, you should consider your
financial situation and the standard of living you want to maintain for your dependents or survivors.
It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like marriage, divorce, the birth or adoption of a child, or
purchase of a major item such as a house or business.
Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents with the funds necessary to maintain their standards of living, can
help repay debt, and
can fund education tuition costs. The amount you need depends on your situation. If you make $100,000 a year, have a sizable mortgage, and have two kids headed to an
expensive college.
-------KNOWLEDGEFINANCIAL.COM
Talk with an insurance Representative who offers policies from companies whose financial strength is ranked high by rating agencies.
SOUTH FLORIDA, CALL THE AGENT AT: 786-709-6577
Life Insurance
A protection against the loss of income that would result if the insured No Longer Exist. The named beneficiary receives the proceeds and is thereby safeguarded from
the financial impact of the absent of the insured. --------KNOWLEDGEFINANCIAL.COM
The goal of life insurance is to provide a measure of financial security for your family after you die. So, before purchasing a life insurance policy, you should consider your
financial situation and the standard of living you want to maintain for your dependents or survivors.
It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like marriage, divorce, the birth or adoption of a child, or
purchase of a major item such as a house or business.
| TALK TO A FLORIDA LICENSED INSURANCE AGENT BY CALLING AT: 786-709-6577 TALK TO A FLORIDA LICENSED REAL ESTATE AGENT AT: 786-709-6577 TALK TO A FLORIDA LICENSED MORTGAGE BROKER AT: 786-709-6577 FOR REAL ESTATE FINANCING & REFINANCING. |
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