Life Insurance – This 1 product offers 4 must have retirement benefits that no one talks about
Life Insurance – This 1 product offers 4 must have retirement benefits that no one talks about
Life Insurance – This 1 product offers 4 must have retirement benefits that no one talks about
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Home Page > Finance > Insurance > Life Insurance – This 1 product offers 4 must have retirement benefits that no one talks about
Life Insurance – This 1 product offers 4 must have retirement benefits that no one talks about
Posted: Jul 11, 2010 |Comments: 0
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Ok I know what you’re thinking, “Why do I need life insurance.” Most folks I meet with have a negative view of what was once a must have product in everyone’s portfolio. Unfortunately most agents have sold this multi-functional product short and promoted it just for death benefit. But there’s more to it. Here though are some of the benefits:
* This product can replace your income. All of us will die sometime…it is a fact! The problem is we do not know when. When you die your income earnings potential goes with it. How will this impact your family, your wife or husband? It could be devastating especially if your spouse is not working. This product can replace that income and help them live comfortably without fear.
* This product helps you create your own bank! Wouldn’t it be nice to not have to go to the bank for a loan? This product has monetary value that you can borrow from tax free and you can chose whether to pay it back or not. It grows TAX FREE, comes out in retirement TAX FREE & goes to your heirs TAX FREE! (Are you seeing a pattern here?)
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* This product makes an awesome gift! You could buy this product for a child or grand-child to help pay for college, create their own bank AND provide a substantial retirement fund. It would benefit them for the rest of their lives creating an excellent legacy for you – THEY’LL NEVER FORGET YOU!
* This product has real value. It comes to full value exactly when you need it. It pays a higher amount at death or full accumulated value at retirement. It’s property so the Feds require the value to be declared in your estate but their are ways to avoid this scenario.
Well maybe you’ve guessed it by now? This product is LIFE INSURANCE! That may surprise you. Most agents have not done a very good job explaining all the LIVING BENEFITS of this fantastic financial product. Most of you probably think of it only for it’s death benefit but that’s not the whole story.
The rich figured out a long time ago guy it was the best place to put earnings to get back TAX FREE BENEFITS. The government also figured this out began to set regulations to get rid of the tax loop hole but there are ways around that as well.
The new generation of Life Insurance also has living benefits that allow you to access a percentage of the death benefit for things like:
* Long Term Care
* Terminal Illness
* Tax Free retirement income
Don’t follow the old adage “Buy term and invest the rest”. First of all NO ONE every saves the difference. Plus only 2% of folks that buy term every collect the benefit. That means they’ve paid into a product for years that never gave them a return on that money; what a waste! to see how Life Insurance might benefit your retirement plan.
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Roger H. Ely -
About the Author:
Roger Ely offers safe money retirement strategies to help you maximize and convert your retirement savings into retirement income guaranteed for life, provide for continued growth, help over come Long Term Care costs, and guarantee you Never Lose Another Dime! More information is available at http://letstalkretirement.com Also Click here for a FREE analysis of your Retirement plan.
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My wife who is 52 is permanently disabled, and collects SSI disability benefits . I am 63 and do not plan on collecting retirement benefits until 70.Can I collect spousal benefit and still work?
Can I draw full Arizona unemployment and SS retirement benefits at the same time? I am 64 yrs old and was fired. Are there any off sets or reductions as is the case with individual pension payments?
What other type of insurance i can sell with my life insurance license?
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Article Tags:
life insurance, insurance, retirement savings, retirement investing, stop losses, term insurance, long term care, retirement planning, estate planning, annuities, fixed annuities
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As Congress continues to debate taxes, the rest of us are standing by in anticipation. Of the three possible tax scenarios, which include extending President Bush’s tax cuts, letting the cuts expire all together or enacting President Obama’s tax plan, it is likely that most of us will see some tax increases, whether it be in the form of new taxes or reduction in tax credits or deductions. With these looming tax changes comes the increased urgency for year-end tax planning and preparation for 2011 and beyond. For example, the income tax brackets start at 10 percent for the lowest income earners and climbs to 35 percent for the highest income earners. Prior to the Bush tax cuts, there were only five tax brackets as opposed to six, the lowest bracket was at 15 percent and the highest was at 39.6 percent. If lawmakers make no change, tax rates would revert to these rates as of January 1. Under Obama’s proposed plan, the highest income bracket would rise from 35 percent to 39.6 percent and the second highest would rise from 33 percent to 36 percent. Other income tax rates would remain at current levels; however, the brackets would change. So, how do you reduce the tax impact of any future increase? Decrease your countable income! Consider increasing your pre-tax retirement contributions. For 2010, 401(k) contribution limits are 500 and IRA limits are 00. If you are older than 50, you can catch up by adding an additional 00 to your 401(k) and 00 to your IRA. Tune …
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