LIFE INSURANCE
GENERALINFORMATION
GENERALINFORMATION
ANNUITY, ANNUITY,
ANNUITY-------------KNOWLEDGEFINANCIAL.COM
Take advantage of potential market gains while protecting
yourself from market downturns. Get guaranteed income
for life. By investing a portion of your retirement savings in a
variable annuity, you can:
choose from investment options that have the potential to
grow
purchase optional features that offer protection from
market downturns
A variable annuity is a contract between you and a life
insurance company where, in exchange for your purchase
payments, the insurer agrees to pay out a lump sum or a
steady retirement income at a later date. Variable annuities
are long-term investment vehicles designed and generally
suitable for retirement purposes.
I want retirement income for the rest of my life, starting now.
Immediate annuities can supplement other sources of
retirement income with payouts that begin soon after you
buy them. They can be a good choice if you're retired or
about to retire.
Typically, they're purchased with a single payment that's
converted to a steady stream of income that lasts a lifetime
(or a specified number of years). Some options let you pass
payments on to a beneficiary after you're gone.
---------------------------------------------
The two types of immediate annuities:
Immediate fixed annuity, which protects your retirement
with steady, predictable income
KNOWLEDGEFINANCIAL.COM
Immediate Fixed Annuity
Income annuity is a product designed to provide you or a
loved one a guaranteed income for as long as you need it,
whether that's for a specified number of years or for the
rest of your life.
They are also the only financial vehicles that can guarantee
you a steady income for the rest of your life, (or your lifetime
and that of a spouse or loved one) no matter how long that
is.
.
Immediate Variable Annuity
immediate variable annuity gives you the option to receive
variable and fixed income within 12 months.
ANNUITY-------------KNOWLEDGEFINANCIAL.COM
Take advantage of potential market gains while protecting
yourself from market downturns. Get guaranteed income
for life. By investing a portion of your retirement savings in a
variable annuity, you can:
choose from investment options that have the potential to
grow
purchase optional features that offer protection from
market downturns
A variable annuity is a contract between you and a life
insurance company where, in exchange for your purchase
payments, the insurer agrees to pay out a lump sum or a
steady retirement income at a later date. Variable annuities
are long-term investment vehicles designed and generally
suitable for retirement purposes.
I want retirement income for the rest of my life, starting now.
Immediate annuities can supplement other sources of
retirement income with payouts that begin soon after you
buy them. They can be a good choice if you're retired or
about to retire.
Typically, they're purchased with a single payment that's
converted to a steady stream of income that lasts a lifetime
(or a specified number of years). Some options let you pass
payments on to a beneficiary after you're gone.
---------------------------------------------
The two types of immediate annuities:
Immediate fixed annuity, which protects your retirement
with steady, predictable income
KNOWLEDGEFINANCIAL.COM
Immediate Fixed Annuity
Income annuity is a product designed to provide you or a
loved one a guaranteed income for as long as you need it,
whether that's for a specified number of years or for the
rest of your life.
They are also the only financial vehicles that can guarantee
you a steady income for the rest of your life, (or your lifetime
and that of a spouse or loved one) no matter how long that
is.
.
Immediate Variable Annuity
immediate variable annuity gives you the option to receive
variable and fixed income within 12 months.
Term Life Insurance: CALL AGENT ANTONY
AT: 786-709-6577
What Does Term Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A policy with a set duration limit on the coverage period.
Once the policy is expired, it is up to the policy owner to
decide whether to renew the term life insurance policy, or
to convert it, or to let the coverage end.
Term Life Insurance is inexpensive compare to the other,
IT CAN BE PURCHASED FOR DURATION FOR 10, 20, 30, OR
35 YEARS . CALL THE AGENT ANTONY AT: 786-709-6577
It's Great to buy term insurance and invest the difference
in an annuity plans, in a mutual funds or open an IRA /
Individual Retirement Account.
Term insurance is a type of insurance policy contrasts
with permanent life insurance, in which duration extends
until the policy owner reaches 100 years of age
Annual Renewable Term (ART) Insurance
What Does Annual Renewable Term (ART) Insurance
Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A form of term life insurance that offers a guarantee of
future insurability for a set period of years, although
premiums are paid every year on the basis of a one-year
contract.
As such, the premiums will rise over time as the insured
person ages. This type of insurance is designed for
short-term insurance needs.
Annual Renewable Term (ART) Insurance
Annual renewable term insurance is less common than
level term insurance, where premiums stay constant over
the life of the contract. The longer an insured person uses
annual renewable term insurance, the more costly it
becomes.
ART insurance typically offers guaranteed re-insurability
for a period of 10 to 30 years, depending on the age of the
individual.
AT: 786-709-6577
What Does Term Life Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A policy with a set duration limit on the coverage period.
Once the policy is expired, it is up to the policy owner to
decide whether to renew the term life insurance policy, or
to convert it, or to let the coverage end.
Term Life Insurance is inexpensive compare to the other,
IT CAN BE PURCHASED FOR DURATION FOR 10, 20, 30, OR
35 YEARS . CALL THE AGENT ANTONY AT: 786-709-6577
It's Great to buy term insurance and invest the difference
in an annuity plans, in a mutual funds or open an IRA /
Individual Retirement Account.
Term insurance is a type of insurance policy contrasts
with permanent life insurance, in which duration extends
until the policy owner reaches 100 years of age
Annual Renewable Term (ART) Insurance
What Does Annual Renewable Term (ART) Insurance
Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A form of term life insurance that offers a guarantee of
future insurability for a set period of years, although
premiums are paid every year on the basis of a one-year
contract.
As such, the premiums will rise over time as the insured
person ages. This type of insurance is designed for
short-term insurance needs.
Annual Renewable Term (ART) Insurance
Annual renewable term insurance is less common than
level term insurance, where premiums stay constant over
the life of the contract. The longer an insured person uses
annual renewable term insurance, the more costly it
becomes.
ART insurance typically offers guaranteed re-insurability
for a period of 10 to 30 years, depending on the age of the
individual.
DEFERRED ANNUITIES
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
If I want to build up my retirement fund and enjoy a
guaranteed income for the rest of my life.
Deferred annuities can be a great choice for building a
tax-deferred retirement nest egg - especially if you want to
save more than you might with IRAs and 401(k) Plans.
Deferred annuities have two phases:
savings and investment, where your earnings accumulate
tax-deferred and you generally have access to your money*
income, where you convert your account balance into a
guaranteed stream of income (annuitize) that you can live on
the rest of your life; any remaining assets can be invested to
grow your overall portfolio
Here are two kinds of deferred annuities:
Deferred fixed annuity, which gives you a steady, fixed
return on your money.
For a single-premium annuity,
Deferred variable annuity, which gives you investment
flexibility and potential growth
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
If I want to build up my retirement fund and enjoy a
guaranteed income for the rest of my life.
Deferred annuities can be a great choice for building a
tax-deferred retirement nest egg - especially if you want to
save more than you might with IRAs and 401(k) Plans.
Deferred annuities have two phases:
savings and investment, where your earnings accumulate
tax-deferred and you generally have access to your money*
income, where you convert your account balance into a
guaranteed stream of income (annuitize) that you can live on
the rest of your life; any remaining assets can be invested to
grow your overall portfolio
Here are two kinds of deferred annuities:
Deferred fixed annuity, which gives you a steady, fixed
return on your money.
For a single-premium annuity,
Deferred variable annuity, which gives you investment
flexibility and potential growth
Beneficiary Designation Checklist
KNOWLEDGEFINANCIAL.COM
Check the default provisions of the document that
governs your retirement account, as it may come into
effect if your beneficiary predeceases you and you fail
to make subsequent changes.
Look into the tax implications for the kind of beneficiary
you choose, whether a particular person, such as a
spouse or non-spouse, an entity, such as a charity, your
estate or a type of trust.
Request a confirmation of receipt of the designation
from your retirement account trustee, custodian or
administrator. Documents do not always reach their
intended recipient and/or may get lost in transit.
Beneficiary designations are considered in effect only if
they are received by the responsible party (e.g. trustee,
custodian or administrator) before the retirement
account owner dies.
If you prefer to use a customized beneficiary
designation, make sure your trustee, custodian or
administrator finds it acceptable. Not all financial
institutions or qualified plans will accept customized
beneficiary designations.
Check with your financial institution periodically to
determine who your beneficiary is - you may need to
make changes if you had a change in your family such
as a birth, death, divorce or marriage.
Consult with your financial planner to determine if your
current beneficiary designation is the one best suited
for you and/or if you need to make changes.
Making a proper beneficiary designation is a very
important part of your financial planning. Be sure to
seek competent professional advice regarding your
beneficiary designations.
KNOWLEDGEFINANCIAL.COM
Check the default provisions of the document that
governs your retirement account, as it may come into
effect if your beneficiary predeceases you and you fail
to make subsequent changes.
Look into the tax implications for the kind of beneficiary
you choose, whether a particular person, such as a
spouse or non-spouse, an entity, such as a charity, your
estate or a type of trust.
Request a confirmation of receipt of the designation
from your retirement account trustee, custodian or
administrator. Documents do not always reach their
intended recipient and/or may get lost in transit.
Beneficiary designations are considered in effect only if
they are received by the responsible party (e.g. trustee,
custodian or administrator) before the retirement
account owner dies.
If you prefer to use a customized beneficiary
designation, make sure your trustee, custodian or
administrator finds it acceptable. Not all financial
institutions or qualified plans will accept customized
beneficiary designations.
Check with your financial institution periodically to
determine who your beneficiary is - you may need to
make changes if you had a change in your family such
as a birth, death, divorce or marriage.
Consult with your financial planner to determine if your
current beneficiary designation is the one best suited
for you and/or if you need to make changes.
Making a proper beneficiary designation is a very
important part of your financial planning. Be sure to
seek competent professional advice regarding your
beneficiary designations.
Consider a Customized Beneficiary Designation
KNOWLEDGEFINANCIAL.COM
When drafting your customized beneficiary designations,
you can explore various options to determine the one that
meets your needs. The beneficiary designation you choose
may determine if your elections are carried over to the next
generation. The following are some basic
beneficiary-designation designs:
:
Per-Stirpes Designation
In the event your primary beneficiary predeceases you, a
per-stirpes beneficiary designation provides that the share
he/she would have received goes to his/her heirs. For
instance, assume you name your two children, Mary and
John, as your primary beneficiaries. Mary's share is 80% of
the assets while John's share is 20%. Should Mary
predecease you, her share would go to her heirs upon your
death.
Per-Capita Designation-----KNOWLEDGEFINANCIAL.COM
Per-capita beneficiary designations also provide that your
primary beneficiary's share will go to his/her heirs;
however, the allocations are not handled in the same
manner as they are under the per-stirpes designation.
Should your primary beneficiary predecease you, his/her
share would be divided equally among your successor
heirs. For instance, assume Mary and John from the
previous example both predecease you. The assets will be
allocated among their children equally even though the
beneficiary designation provides Mary with a larger portion
of the assets. If Mary and John had two children each, each
child would receive a 25% share.
Look into Trust Beneficiaries
If you feel you need to retain some degree of control over
the disposition of the retirement assets after your death,
you may consider designating a trust as your beneficiary.
There are various trust options to choose from, including
'qualified terminable interest property' and 'qualified
domestic trust'.
Designating the right type of trust as your beneficiary could
allow you to provide financial support for your surviving
spouse while ensuring that children from previous
marriages are also provided for
KNOWLEDGEFINANCIAL.COM
When drafting your customized beneficiary designations,
you can explore various options to determine the one that
meets your needs. The beneficiary designation you choose
may determine if your elections are carried over to the next
generation. The following are some basic
beneficiary-designation designs:
:
Per-Stirpes Designation
In the event your primary beneficiary predeceases you, a
per-stirpes beneficiary designation provides that the share
he/she would have received goes to his/her heirs. For
instance, assume you name your two children, Mary and
John, as your primary beneficiaries. Mary's share is 80% of
the assets while John's share is 20%. Should Mary
predecease you, her share would go to her heirs upon your
death.
Per-Capita Designation-----KNOWLEDGEFINANCIAL.COM
Per-capita beneficiary designations also provide that your
primary beneficiary's share will go to his/her heirs;
however, the allocations are not handled in the same
manner as they are under the per-stirpes designation.
Should your primary beneficiary predecease you, his/her
share would be divided equally among your successor
heirs. For instance, assume Mary and John from the
previous example both predecease you. The assets will be
allocated among their children equally even though the
beneficiary designation provides Mary with a larger portion
of the assets. If Mary and John had two children each, each
child would receive a 25% share.
Look into Trust Beneficiaries
If you feel you need to retain some degree of control over
the disposition of the retirement assets after your death,
you may consider designating a trust as your beneficiary.
There are various trust options to choose from, including
'qualified terminable interest property' and 'qualified
domestic trust'.
Designating the right type of trust as your beneficiary could
allow you to provide financial support for your surviving
spouse while ensuring that children from previous
marriages are also provided for
Outdated Beneficiary Designations
There have been numerous cases of retirement-account
owners who have been divorced and remarried but have
neglected to update their beneficiary designations
accordingly.
This can be quite frustrating for their survivors, who must
battle in court for a legal determination of the true
beneficiary. The court's decision, however, may not
necessarily be what the deceased would have wanted.
A similar dilemma arises if children are named as
beneficiaries but the document has not updated to include
those who were born after the initial designation.
To prevent these situations, you should update your
beneficiary designation periodically or even immediately
after you experience a change in family status.
You can also draft customized beneficiary designations to
address "what-if" situations.
For instance, what if your primary beneficiary predeceases
you and you fail to update the designation? What if the
organization to which you leave your assets becomes
defunct before it inherits the assets?
Should you need to, you may revoke your existing
beneficiary designation and designate a new beneficiary
by submitting a change-of-beneficiary form.
Default Beneficiary Options
If you fail to document your beneficiary
designation, your beneficiary may be
determined by federal law, state law or by
the plan document that governs your
retirement accounts.
There have been numerous cases of retirement-account
owners who have been divorced and remarried but have
neglected to update their beneficiary designations
accordingly.
This can be quite frustrating for their survivors, who must
battle in court for a legal determination of the true
beneficiary. The court's decision, however, may not
necessarily be what the deceased would have wanted.
A similar dilemma arises if children are named as
beneficiaries but the document has not updated to include
those who were born after the initial designation.
To prevent these situations, you should update your
beneficiary designation periodically or even immediately
after you experience a change in family status.
You can also draft customized beneficiary designations to
address "what-if" situations.
For instance, what if your primary beneficiary predeceases
you and you fail to update the designation? What if the
organization to which you leave your assets becomes
defunct before it inherits the assets?
Should you need to, you may revoke your existing
beneficiary designation and designate a new beneficiary
by submitting a change-of-beneficiary form.
Default Beneficiary Options
If you fail to document your beneficiary
designation, your beneficiary may be
determined by federal law, state law or by
the plan document that governs your
retirement accounts.
ADVANTAGE OF LIFE INSURANCE
FREE LOOK PROVISION
KNOWLEDGEFINANCIAL.COM --EXPLAINS:
Also known as the free examination period, this is the length of
time you have to review your new insurance policy and return it
for a full refund if it does not meet your expectations. This
free-look period begins on the day that you receive your policy
---------------------------------------------------------------
INSURANCE GRACE PERIOD
KNOWLEDGEFINANCIAL.COM--Explains:
In insurance law, a period beyond the due date of a premium
(usually thirty or thirty-one days) during which the insurance is
continued in force and during which the payment may be made
to keep the policy in good standing.
The grace period for payment of the premium does not provide
free insurance or operate to continue the policy in force after it
expires by agreement of the parties.
Grace period may also refer to a period of time provided for in a
loan agreement during which default will not occur even though
a payment is overdue.
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LIFE INSURANCE / ESTATE CONVERSION
KNOWLEDGEFINANCIAL.COM --EXPLAINS:
Life insurance policy can be used to pay for state inheritance
taxes, and Federal taxes. So it will not necessary to sell assets
upon death to pay these costs.
FREE LOOK PROVISION
KNOWLEDGEFINANCIAL.COM --EXPLAINS:
Also known as the free examination period, this is the length of
time you have to review your new insurance policy and return it
for a full refund if it does not meet your expectations. This
free-look period begins on the day that you receive your policy
---------------------------------------------------------------
INSURANCE GRACE PERIOD
KNOWLEDGEFINANCIAL.COM--Explains:
In insurance law, a period beyond the due date of a premium
(usually thirty or thirty-one days) during which the insurance is
continued in force and during which the payment may be made
to keep the policy in good standing.
The grace period for payment of the premium does not provide
free insurance or operate to continue the policy in force after it
expires by agreement of the parties.
Grace period may also refer to a period of time provided for in a
loan agreement during which default will not occur even though
a payment is overdue.
--------------------------------------------------------
LIFE INSURANCE / ESTATE CONVERSION
KNOWLEDGEFINANCIAL.COM --EXPLAINS:
Life insurance policy can be used to pay for state inheritance
taxes, and Federal taxes. So it will not necessary to sell assets
upon death to pay these costs.
Whole Life Insurance Policy
KNOWLEDGEFINANCIAL.COM
What Does Whole Life Insurance Policy Mean?
A life insurance contract with level premiums that has
both an insurance and an investment component. The
insurance component pays a stated amount upon death
of the insured. The investment component accumulates
a cash value that the policyholder can withdraw or
borrow against.
Whole Life Insurance Policy
As the most basic form of cash-value life insurance,
whole life insurance is a way to accumulate wealth as
regular premiums pay insurance costs and contribute to
equity growth in a savings account where dividends or
interest is allowed to build-up tax-deferred.
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Cash Surrender Value
What Does Cash Surrender Value Mean?
The sum of money an insurance company will pay to the
policyholder or annuity holder in the event his or her
policy is voluntarily terminated before its maturity or the
insured event occurs. This cash value is the savings
component of most permanent life insurance policies,
particularly whole life insurance policies. Also known as
"cash value", "surrender value" and "policyholder's
equity---------KNOWLEDGEFINANCIAL.COM
Cash Surrender Value
Cash surrender value applies to the savings element of
whole life insurance policies that are payable before
death.
KNOWLEDGEFINANCIAL.COM
What Does Whole Life Insurance Policy Mean?
A life insurance contract with level premiums that has
both an insurance and an investment component. The
insurance component pays a stated amount upon death
of the insured. The investment component accumulates
a cash value that the policyholder can withdraw or
borrow against.
Whole Life Insurance Policy
As the most basic form of cash-value life insurance,
whole life insurance is a way to accumulate wealth as
regular premiums pay insurance costs and contribute to
equity growth in a savings account where dividends or
interest is allowed to build-up tax-deferred.
--------------------------------------------------------------------
Cash Surrender Value
What Does Cash Surrender Value Mean?
The sum of money an insurance company will pay to the
policyholder or annuity holder in the event his or her
policy is voluntarily terminated before its maturity or the
insured event occurs. This cash value is the savings
component of most permanent life insurance policies,
particularly whole life insurance policies. Also known as
"cash value", "surrender value" and "policyholder's
equity---------KNOWLEDGEFINANCIAL.COM
Cash Surrender Value
Cash surrender value applies to the savings element of
whole life insurance policies that are payable before
death.
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CASH VALUE LIFE INSURANCE POLICY
Life Insurance
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A protection against the loss of income that would result
if the insured passed away. The named beneficiary
receives the proceeds and is thereby safeguarded from
the financial impact of the death of the insured.
Life Insurance
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.
Life Insurance
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A protection against the loss of income that would result
if the insured passed away. The named beneficiary
receives the proceeds and is thereby safeguarded from
the financial impact of the death of the insured.
Life Insurance
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.
Whole Life Insurance Policy
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A life insurance contract with level premiums that has
both an insurance and an investment component. The
insurance component pays a stated amount upon death
of the insured. The investment component accumulates
a cash value that the policyholder can withdraw or
borrow against.
Whole Life Insurance Policy
As the most basic form of cash-value life insurance,
whole life insurance is a way to accumulate wealth as
regular premiums pay insurance costs and contribute
to equity growth in a savings account where dividends
or interest is allowed to build-up tax-deferred.
--------------------------------------------------------------------
Cash Surrender Value
WWW.KNOWLEDGEFINANCIAL.COM
The sum of money an insurance company will pay to the
policyholder or annuity holder in the event his or her
policy is voluntarily terminated before its maturity or the
insured event occurs.
This cash value is the savings component of most
permanent life insurance policies, particularly whole life
insurance policies. Also known as "cash value",
"surrender value" and "policyholder's equity
Cash Surrender Value
Cash surrender value applies to the savings element of
whole life insurance policies that are payable before
death.
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A life insurance contract with level premiums that has
both an insurance and an investment component. The
insurance component pays a stated amount upon death
of the insured. The investment component accumulates
a cash value that the policyholder can withdraw or
borrow against.
Whole Life Insurance Policy
As the most basic form of cash-value life insurance,
whole life insurance is a way to accumulate wealth as
regular premiums pay insurance costs and contribute
to equity growth in a savings account where dividends
or interest is allowed to build-up tax-deferred.
--------------------------------------------------------------------
Cash Surrender Value
WWW.KNOWLEDGEFINANCIAL.COM
The sum of money an insurance company will pay to the
policyholder or annuity holder in the event his or her
policy is voluntarily terminated before its maturity or the
insured event occurs.
This cash value is the savings component of most
permanent life insurance policies, particularly whole life
insurance policies. Also known as "cash value",
"surrender value" and "policyholder's equity
Cash Surrender Value
Cash surrender value applies to the savings element of
whole life insurance policies that are payable before
death.
Permanent Life Insurance
KNOWLEDGEFINANCIAL.COM
What Does Permanent Life Insurance Mean?
An umbrella term for life insurance plans that do not
expire (unlike term life insurance) and combine a death
benefit with a savings portion.
This savings portion can build a cash value - against
which the policy owner can borrow funds, or in some
instances, the owner can withdraw the cash value to
help meet future goals, such as paying for a child's
college education.
The two main types of permanent life insurance are
whole and universal life insurance policies.
KNOWLEDGEFINANCIAL.COM
Permanent Life Insurance
To borrow against the savings portion of a permanent
life insurance policy, there is usually a waiting period
after the purchase of your policy for sufficient cash
value to accumulate.
Also, if the amount of the unpaid interest on your loan
plus your outstanding loan balance exceeds the
amount of your policy's cash value, your policy and all
coverage will terminate.
Permanent life insurance policies enjoy favorable tax
treatment. The growth of cash value is generally on a
tax-deferred basis, meaning that you pay no taxes on
any earnings in the policy so long as the policy remains
active.
Provided you adhere to certain premium limits, money
can be taken out of the policy without being subject to
taxes since policy loans generally are not considered
taxable income. Generally, withdrawals up to the
amount of premiums paid can be taken without being
taxed.
KNOWLEDGEFINANCIAL.COM
What Does Permanent Life Insurance Mean?
An umbrella term for life insurance plans that do not
expire (unlike term life insurance) and combine a death
benefit with a savings portion.
This savings portion can build a cash value - against
which the policy owner can borrow funds, or in some
instances, the owner can withdraw the cash value to
help meet future goals, such as paying for a child's
college education.
The two main types of permanent life insurance are
whole and universal life insurance policies.
KNOWLEDGEFINANCIAL.COM
Permanent Life Insurance
To borrow against the savings portion of a permanent
life insurance policy, there is usually a waiting period
after the purchase of your policy for sufficient cash
value to accumulate.
Also, if the amount of the unpaid interest on your loan
plus your outstanding loan balance exceeds the
amount of your policy's cash value, your policy and all
coverage will terminate.
Permanent life insurance policies enjoy favorable tax
treatment. The growth of cash value is generally on a
tax-deferred basis, meaning that you pay no taxes on
any earnings in the policy so long as the policy remains
active.
Provided you adhere to certain premium limits, money
can be taken out of the policy without being subject to
taxes since policy loans generally are not considered
taxable income. Generally, withdrawals up to the
amount of premiums paid can be taken without being
taxed.
ANNUITY
Immediate Vs Deferred Annuities For Retirement Planning
Have you Heard About Retirement Planning with Annuities?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
It is hard to walk into a bank or speak with an insurance
agent without hearing about retirement annuities. There is a
lot of interest because these insurance company products
have some of the features of insurance and savings or
investments. Because of this, they may be a safe and sound
way for you to plan for your future goals.
Although they have other uses, one basic goal that many
purchasers have is retirement planning. Keep in mind that
your retirement may be coming up next month, you may
already be retired, or you may be planning for a goal that is
many years down the road. Your own choices will depend
upon your individual situation.
Immediate Annuities For Income Now
If you have a lump sum of money that you collected from
your job, or have just saved over a period of years, you may
be interested in having a way for that money to produce a
guaranteed income for you.
Of course, your options will be affected by the amount of
money you have and the amount of income you want to
collect. With an immediate income product, you can deposit
your money this month and start collecting your income
next month!
You can choose a variety of payout options. Some popular
examples may be 10 years, lifetime, or joint survivor (the
surviving spouse collects). Again, your choice will depend
upon your financial goals and the amount of money you have
to deposit.
You may choose 10 years if you have another investment
that will mature down the road, or if you just want income
now so you can start that retirement business you always
dreamed of.
You may choose a lifetime payout if you just want to insure
that you will have an income for your retirement years.
Deferred Annuities For Income Later
If you want to start building a lump sum for retirement, you
should look into deferred products. You may invest some
money now, and then keep making contributions
periodically, say every month or every year, so that your
cash account will grow over time.
The money will grow without being taxed. If you used pre-tax
dollars to invest, you will be taxed when you withdraw it. If
you already paid taxes on the money, you will not be taxed
later. This can be a good way to get the maximum mileage
out of your investment money.
How Does The Cash Account Grow?
You may by an annuity with a fixed interest rate. Or you may
decide to choose one of the popular indexed annuities that
is tied to a major market index.
How is Risk Eliminated?
A fixed annuity, that is tied to a market index, should come
with a guarantee that you will never lose money too. In up
years, your gain may be somewhat less than the market's
growth, but in down years, your gain should be fixed to 2 or
3 percent growth.
The potential of gain, while still eliminating the risk of loss, is
one reason that annuities are popular ways to plan for
retirement.
If you are planning for your retirement, you probably want to
speak with a qualified professional about annuities. We urge
you to educate yourself on the variety of products in your
local area.
Immediate Vs Deferred Annuities For Retirement Planning
Have you Heard About Retirement Planning with Annuities?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
It is hard to walk into a bank or speak with an insurance
agent without hearing about retirement annuities. There is a
lot of interest because these insurance company products
have some of the features of insurance and savings or
investments. Because of this, they may be a safe and sound
way for you to plan for your future goals.
Although they have other uses, one basic goal that many
purchasers have is retirement planning. Keep in mind that
your retirement may be coming up next month, you may
already be retired, or you may be planning for a goal that is
many years down the road. Your own choices will depend
upon your individual situation.
Immediate Annuities For Income Now
If you have a lump sum of money that you collected from
your job, or have just saved over a period of years, you may
be interested in having a way for that money to produce a
guaranteed income for you.
Of course, your options will be affected by the amount of
money you have and the amount of income you want to
collect. With an immediate income product, you can deposit
your money this month and start collecting your income
next month!
You can choose a variety of payout options. Some popular
examples may be 10 years, lifetime, or joint survivor (the
surviving spouse collects). Again, your choice will depend
upon your financial goals and the amount of money you have
to deposit.
You may choose 10 years if you have another investment
that will mature down the road, or if you just want income
now so you can start that retirement business you always
dreamed of.
You may choose a lifetime payout if you just want to insure
that you will have an income for your retirement years.
Deferred Annuities For Income Later
If you want to start building a lump sum for retirement, you
should look into deferred products. You may invest some
money now, and then keep making contributions
periodically, say every month or every year, so that your
cash account will grow over time.
The money will grow without being taxed. If you used pre-tax
dollars to invest, you will be taxed when you withdraw it. If
you already paid taxes on the money, you will not be taxed
later. This can be a good way to get the maximum mileage
out of your investment money.
How Does The Cash Account Grow?
You may by an annuity with a fixed interest rate. Or you may
decide to choose one of the popular indexed annuities that
is tied to a major market index.
How is Risk Eliminated?
A fixed annuity, that is tied to a market index, should come
with a guarantee that you will never lose money too. In up
years, your gain may be somewhat less than the market's
growth, but in down years, your gain should be fixed to 2 or
3 percent growth.
The potential of gain, while still eliminating the risk of loss, is
one reason that annuities are popular ways to plan for
retirement.
If you are planning for your retirement, you probably want to
speak with a qualified professional about annuities. We urge
you to educate yourself on the variety of products in your
local area.
Decreasing Term Insurance
What Does Decreasing Term Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A type of annual renewable term life insurance that
provides a death benefit that decreases at a
predetermined rate over the life of the policy. Premiums
are usually constant throughout the contract, and
reductions in policy payout will typically occur monthly
or annually. Term lengths can range anywhere between
one and 30 years.
May also be called "mortgage life insurance".
Investopedia explains Decreasing Term Insurance
The theory behind decreasing term insurance is that a
person's need for high levels of insurance decreases
with age and certain liabilities no longer exist. A big
portion of the decreasing term insurance found today is
in the form of mortgage life insurance, which pegs its
benefit to the remaining mortgage on the insured' home.
Decreasing term insurance is generally not advisable
for someone who has no other life insurance; term life
policies can be purchased at affordable levels and
provide the security of a level payout throughout.
What Does Decreasing Term Insurance Mean?
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A type of annual renewable term life insurance that
provides a death benefit that decreases at a
predetermined rate over the life of the policy. Premiums
are usually constant throughout the contract, and
reductions in policy payout will typically occur monthly
or annually. Term lengths can range anywhere between
one and 30 years.
May also be called "mortgage life insurance".
Investopedia explains Decreasing Term Insurance
The theory behind decreasing term insurance is that a
person's need for high levels of insurance decreases
with age and certain liabilities no longer exist. A big
portion of the decreasing term insurance found today is
in the form of mortgage life insurance, which pegs its
benefit to the remaining mortgage on the insured' home.
Decreasing term insurance is generally not advisable
for someone who has no other life insurance; term life
policies can be purchased at affordable levels and
provide the security of a level payout throughout.
ADVANTAGE OF A LIFE INSURANCE POLICY
Viatical Settlement
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
An arrangement in which someone with a terminal disease
sells his or her life insurance policy at a discount from its face
value for ready cash. The buyer cashes in the full amount of the
policy when the original owner dies. Also referred to as a Life
Settlement.
----------------------------------------------------------
ADVANTAGES & BENEFITS OF LIFE INSURANCE
Accelerated Death Benefit - ADB
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A benefit that can be attached to a life insurance policy that
enables the policy holder to receive cash advances against the
death benefit in the case of being diagnosed with a terminal
illness.
Many individuals who choose the accelerated death benefit
have less than one year to live and use the money for
treatments and other costs needed to stay alive. Investopedia
explains Accelerated Death Benefit - ADB
Choosing an insurance policy with an accelerated death benefit
allows the policy holder to pay for their daily living in an effort to
make it the most comfortable while also allowing the holder to
look after his or her family once they pass away. This type of
benefit was originally started in the late 1980s in an attempt to
alleviate the financial pressures of those that were diagnosed
with AIDS.
Some policies might have this option available even though it's
not mentioned in the contract.
Viatical Settlement
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
An arrangement in which someone with a terminal disease
sells his or her life insurance policy at a discount from its face
value for ready cash. The buyer cashes in the full amount of the
policy when the original owner dies. Also referred to as a Life
Settlement.
----------------------------------------------------------
ADVANTAGES & BENEFITS OF LIFE INSURANCE
Accelerated Death Benefit - ADB
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A benefit that can be attached to a life insurance policy that
enables the policy holder to receive cash advances against the
death benefit in the case of being diagnosed with a terminal
illness.
Many individuals who choose the accelerated death benefit
have less than one year to live and use the money for
treatments and other costs needed to stay alive. Investopedia
explains Accelerated Death Benefit - ADB
Choosing an insurance policy with an accelerated death benefit
allows the policy holder to pay for their daily living in an effort to
make it the most comfortable while also allowing the holder to
look after his or her family once they pass away. This type of
benefit was originally started in the late 1980s in an attempt to
alleviate the financial pressures of those that were diagnosed
with AIDS.
Some policies might have this option available even though it's
not mentioned in the contract.
Waiver Of Premium Rider
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
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. A waiver of premium allows
people to benefit from an insurance policy, even when they
cannot work.
Dread Disease Rider
What Does Dread Disease Rider Mean?
A special addition to a life insurance policy that gives a
percentage of the death benefit to the policy holder if he or she
is diagnosed with a serious disease, such as cancer or heart
disease
RETURN OF PREMIUM RIDER
KNOWLEDGEFINANCIAL.COM -- Explains: The policy owner / the
insured can maximize the death benefits without increasing
the face amount. That means; a return of premium attached to
a policy upon death. The benefits will be paid a complete face
amount plus amount equal to all premium paid on the contact.
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
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. A waiver of premium allows
people to benefit from an insurance policy, even when they
cannot work.
Dread Disease Rider
What Does Dread Disease Rider Mean?
A special addition to a life insurance policy that gives a
percentage of the death benefit to the policy holder if he or she
is diagnosed with a serious disease, such as cancer or heart
disease
RETURN OF PREMIUM RIDER
KNOWLEDGEFINANCIAL.COM -- Explains: The policy owner / the
insured can maximize the death benefits without increasing
the face amount. That means; a return of premium attached to
a policy upon death. The benefits will be paid a complete face
amount plus amount equal to all premium paid on the contact.
Whole Life Insurance Policy
As the most basic form of cash-value life insurance, whole
life insurance is a way to accumulate wealth as regular
premiums pay insurance costs and contribute to equity
growth in a savings account where dividends or interest is
allowed to build-up tax-deferred. Where you pull money out
when you need while you're alive .
Cash Surrender Value. CALL THE AGENT AT: 786-709-6577
Cash surrender value applies to the savings element of
whole life insurance policies that are payable before death.
Life Insurance
The goal of life insurance is to provide a measure of
financial security for you while you're alive, and for your
family after you die.
So, before purchasing a life insurance policy, you should
consider the standard of living you want to maintain for
you, your dependents or survivors.
CONTACT A FLORIDA AGENT
AT: 786-709-6577
As the most basic form of cash-value life insurance, whole
life insurance is a way to accumulate wealth as regular
premiums pay insurance costs and contribute to equity
growth in a savings account where dividends or interest is
allowed to build-up tax-deferred. Where you pull money out
when you need while you're alive .
Cash Surrender Value. CALL THE AGENT AT: 786-709-6577
Cash surrender value applies to the savings element of
whole life insurance policies that are payable before death.
Life Insurance
The goal of life insurance is to provide a measure of
financial security for you while you're alive, and for your
family after you die.
So, before purchasing a life insurance policy, you should
consider the standard of living you want to maintain for
you, your dependents or survivors.
CONTACT A FLORIDA AGENT
AT: 786-709-6577
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. ---- CALL A FLORIDA LICENSED AGENT AT: 786-709-6577
CHOICES, BETTER DECISION, BETTER GUARANTEE AND BETTER SATISFACTION. ---- CALL A FLORIDA LICENSED AGENT AT: 786-709-6577
ADVANTAGES & BENEFITS OF LIFE INSURANCE
FREE LOOK PROVISION
KNOWLEDGEFINANCIAL.COM --EXPLAINS:
Also known as the free examination period, this is the length
of time you have to review your new insurance policy and
return it for a full refund if it does not meet your expectations.
This free-look period begins on the day that you receive your
policy
---------------------------------------------------------------
ADVANTAGES & BENEFITS OF LIFE INSURANCE
KNOWLEDGEFINANCIAL.COM-- EXPLAINS;
INSURANCE GRACE PERIOD PROVISION
KNOWLEDGEFINANCIAL.COM--Explains:
In insurance law, a period beyond the due date of a premium
(usually thirty or thirty-one days) during which the insurance
is continued in force and during which the payment may be
made to keep the policy in good standing.
CALL A FLORIDA AGENT AT: 786-709-6577
FREE LOOK PROVISION
KNOWLEDGEFINANCIAL.COM --EXPLAINS:
Also known as the free examination period, this is the length
of time you have to review your new insurance policy and
return it for a full refund if it does not meet your expectations.
This free-look period begins on the day that you receive your
policy
---------------------------------------------------------------
ADVANTAGES & BENEFITS OF LIFE INSURANCE
KNOWLEDGEFINANCIAL.COM-- EXPLAINS;
INSURANCE GRACE PERIOD PROVISION
KNOWLEDGEFINANCIAL.COM--Explains:
In insurance law, a period beyond the due date of a premium
(usually thirty or thirty-one days) during which the insurance
is continued in force and during which the payment may be
made to keep the policy in good standing.
CALL A FLORIDA AGENT AT: 786-709-6577
ADVANTAGES & BENEFITS OF A LIFE
INSURANCE POLICY
Viatical Settlement
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
An arrangement in which someone with a terminal disease
sells his or her life insurance policy at a discount from its
face value for ready cash.
So he or she can have enough money to take care of
himself/herself while still sick.
The buyer cashes in the full amount of the policy when the
original owner dies.
ADVANTAGE OF LIFE INSURANCE
Accelerated Death Benefit - ADB-- Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A benefit that can be attached to a life insurance policy that
enables the policy holder to receive cash advances against
the death benefit in the case of being diagnosed with a
terminal illness. RECEIVE BIG CASH WHILE SICK & ALIVE.
ISN'T IT A GREAT THING?
INSURANCE POLICY
Viatical Settlement
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
An arrangement in which someone with a terminal disease
sells his or her life insurance policy at a discount from its
face value for ready cash.
So he or she can have enough money to take care of
himself/herself while still sick.
The buyer cashes in the full amount of the policy when the
original owner dies.
ADVANTAGE OF LIFE INSURANCE
Accelerated Death Benefit - ADB-- Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS
A benefit that can be attached to a life insurance policy that
enables the policy holder to receive cash advances against
the death benefit in the case of being diagnosed with a
terminal illness. RECEIVE BIG CASH WHILE SICK & ALIVE.
ISN'T IT A GREAT THING?
ADVANTAGES & BENEFITS OF LIFE INSURANCE
Waiver Of Premium Rider Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
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. A waiver of
premium allows people to benefit from an insurance policy,
even when they cannot work.
ADVANTAGES OF LIFE INSURANCE POLICY
Dread Disease Rider Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A special addition to a life insurance policy that gives a
percentage of the death benefit to the policy holder if he or
she is diagnosed with a serious disease, such as cancer or
heart disease
Waiver Of Premium Rider Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
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. A waiver of
premium allows people to benefit from an insurance policy,
even when they cannot work.
ADVANTAGES OF LIFE INSURANCE POLICY
Dread Disease Rider Provision
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A special addition to a life insurance policy that gives a
percentage of the death benefit to the policy holder if he or
she is diagnosed with a serious disease, such as cancer or
heart disease
Term Life Insurance
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A policy with a set duration limit on the coverage period.
Once the policy is expired, it is up to the policy owner to
decide whether to renew the term life insurance policy, or
to convert it, or to let the coverage end.
Term Life Insurance is relatively inexpensive compare to
the others.
IT CAN BE PURCHASED FOR DURATION FOR 10, 20, 30, OR
35 YEARS . CHEAP INSURANCE, BUT VERY GOOD!
CALL AGENT ANTONY AT: 786-709-6577
It's Great to buy term insurance and invest the
difference in an annuity plan, in a mutual fund
or open an IRA / Individual Retirement Account.
BUY TERM INSURANCE AND INVEST THE REST
FOR A BETTER FUTURE.
TO GET HELP CALL A FLORIDA AGENT
AT: 786-709-6577
KNOWLEDGEFINANCIAL.COM-- EXPLAINS:
A policy with a set duration limit on the coverage period.
Once the policy is expired, it is up to the policy owner to
decide whether to renew the term life insurance policy, or
to convert it, or to let the coverage end.
Term Life Insurance is relatively inexpensive compare to
the others.
IT CAN BE PURCHASED FOR DURATION FOR 10, 20, 30, OR
35 YEARS . CHEAP INSURANCE, BUT VERY GOOD!
CALL AGENT ANTONY AT: 786-709-6577
It's Great to buy term insurance and invest the
difference in an annuity plan, in a mutual fund
or open an IRA / Individual Retirement Account.
BUY TERM INSURANCE AND INVEST THE REST
FOR A BETTER FUTURE.
TO GET HELP CALL A FLORIDA AGENT
AT: 786-709-6577
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Housing Finance Authority of Miami dade, Monroe, Broward,
and Palm Beach County
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TRIANGLE OF SUCCESS...
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TO FIND MONEY TO INVEST!
The Five C’s of Credit: LEARN MORE..
CREATIVE FINANCE CAN AND WILL MAKE ALL THE
DIFFERENCE WHEN AN INVESTOR DECIDES TO INVEST IN
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Top 10 home-buying mistakes to avoid!
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401K, INDIVIDUAL 401K, 403B, 457 PLAN, THRIFT SAVINGS
PLAN.
What is a SEP IRA? What is a SIMPLE IRA? --- SEE BELOW!
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Is a long-term care insurance policy really provides money to
help cover the costs of living if you are no longer able to take
care of yourself.?
SOCIAL SECURITY RETIREMENT GUIDE. HOW DOES SOCIAL
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help cover the costs of living if you are no longer able to take
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Five Insurance Policies Everyone Should Have
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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
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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..
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for
damage or injury caused by you or someone driving your
vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more
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that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number
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coverage for your needs at a reasonable price. For instance,
how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you
from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of
Coverage
All insurance is definitely not created equal or, put another
way, you get what you pay for. The least costly homeowners
insurance will likely give you 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:
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.
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It’s always much easier and much less complicated
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Business Needs Business Insurance
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Disability Income Insurance
Insurance?
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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...
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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..
Auto Insurance
Auto insurance protects you from damage to the often
considerable investment in a car and/or from liability for
damage or injury caused by you or someone driving your
vehicle.
The 10 Best Ways to Lower Your Car Insurance Bill
Money saved is money earned. Many people spend more
than is absolutely necessary on their daily bills, the things
that they take for granted.
Auto Insurance - What do You really Need?
When shopping for car insurance, you must take a number
of factors into consideration in order to obtain the best
coverage for your needs at a reasonable price. For instance,
how much is your vehicle worth?
Home-owner's Insurance: How to Save Money on Home
Insurance?
Home-owner's insurance should allow you to rebuild and
refurnish your home after a catastrophe and insulate you
from lawsuits if someone is injured on your property.
Guide To Homeowners Insurance: Different Types of
Coverage
All insurance is definitely not created equal or, put another
way, you get what you pay for. The least costly homeowners
insurance will likely give you 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:
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.
Your Health Insurance; and what it should Cover
How to analyzed the costs that you pay under your health-
care insurance plan. In this article we’ll look at some of the
basic coverages which should be included in your policy.
Business Needs Business Insurance
Three Common Myths About Liability and
Understanding the Value of Insurance
Disability Income Insurance
Insurance?
If you were unable to work for an extended
period of time due to an injury or illness, how
long would you be able to pay your bills and
meet your day-to-day expenses? LEARN MORE...
WELCOME TO:
KNOWLEDGEFINANCIAL.COM
KNOWLEDGEFINANCIAL.COM
| Life Insurance with a certified, licensed and experienced Agent. South Florida, CONTACT US AT: 786-709-6577 It makes good sense to have us as your Insurance Agent to help you s. -------------------- I Will Provide You With High Quality Life Insurance and Annuity Products; Great Investment For a Better Tomorrow. {GET A FREE QUOTE-- CLICK HERE} ---------------- I Offer You My Clients; Integrity, Safety and Stability. A commitment to Fairness and Honesty. Exceptional Personal Service! ANTONY JEANTY Phone- 786-709-6577 Licensed Real Estate Agent Licensed Mortgage Broker Licensed Insurance Agent |
| LIFE INSURANCE AFFORDABLE INSURANCE. ADVANTAGES AND BENEFITS OF LIFE INSURANCE WHILE ALIVE, AND AFTER DEATH. MIAMI, CALL THE AGENT AT: 786-7096577 |
ASSURANCE--- VARIABLE ANNUITY
KNOWLEDGEFINANCIAL.COM
With a variable annuity, your assets have the potential
to grow when the market goes up... while protecting
your income if the market goes down.*
What is a variable annuity?
A variable annuity contains investment options that
have the potential to grow and insurance features that
offer protection, such as living and death benefits. At
the core, a variable annuity is a long-term contract
between you and an insurance company, in which your
account value fluctuates based on the underlying
investment options chosen. A common type of variable
annuity is a deferred variable annuity which has two
phases:
savings and investment, in which any earnings
accumulate tax-deferred while usually allowing access
to your money1
income and distribution, in which you convert your
account value into a guaranteed stream of income that
will continue for the rest of your life
KNOWLEDGEFINANCIAL.COM
With a variable annuity, you can invest in a range of
equity and fixed investments that have the potential to
perform well in a variety of market conditions. Because
a diversified portfolio cannot ensure a profit or protect
against a loss, you can get added protection by
purchasing an optional living benefit rider for an
additional charge along with your variable annuity.
Living benefits are generally available in two options:
Income Benefits that provide a guaranteed minimum
amount of future fixed lifetime income and the
opportunity to take withdrawals when you need them
which do not affect your future lifetime income benefit
Withdrawal Benefits that allow you to withdraw a
percentage of your investment each year for life or for a
specified period of time
KNOWLEDGEFINANCIAL.COM
With a variable annuity, your assets have the potential
to grow when the market goes up... while protecting
your income if the market goes down.*
What is a variable annuity?
A variable annuity contains investment options that
have the potential to grow and insurance features that
offer protection, such as living and death benefits. At
the core, a variable annuity is a long-term contract
between you and an insurance company, in which your
account value fluctuates based on the underlying
investment options chosen. A common type of variable
annuity is a deferred variable annuity which has two
phases:
savings and investment, in which any earnings
accumulate tax-deferred while usually allowing access
to your money1
income and distribution, in which you convert your
account value into a guaranteed stream of income that
will continue for the rest of your life
KNOWLEDGEFINANCIAL.COM
With a variable annuity, you can invest in a range of
equity and fixed investments that have the potential to
perform well in a variety of market conditions. Because
a diversified portfolio cannot ensure a profit or protect
against a loss, you can get added protection by
purchasing an optional living benefit rider for an
additional charge along with your variable annuity.
Living benefits are generally available in two options:
Income Benefits that provide a guaranteed minimum
amount of future fixed lifetime income and the
opportunity to take withdrawals when you need them
which do not affect your future lifetime income benefit
Withdrawal Benefits that allow you to withdraw a
percentage of your investment each year for life or for a
specified period of time
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make extra money, secure your financial future, obtain
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| ..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and invest the difference. .. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... INSURANCE PRODUCTS: How to make profits with the insurance companies? |
| ..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and invest the difference. .. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... INSURANCE PRODUCTS: How to make profits with the insurance companies? |
| ..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and invest the difference. .. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... INSURANCE PRODUCTS: How to make profits with the insurance companies? |
| ..TERM INSURANCE ADVANTAGES, TERM INSURANCE GENERAL KNOWLEDGE. Buy the term, and invest the difference. .. INVESTMENT PRODUCTS: Investing & Money Management Basics. FINANCIAL SOLUTIONS, TOOLS & RESOURCES. LEARN MORE... INSURANCE PRODUCTS: How to make profits with the insurance companies? |
| ..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... |