WHAT AM I MISSING?
Gosh Darn Long Term Care! When do you use it? Do you hear people talking and you just want to buy it but the age old questions comes up time and time again!
What if I never use it?
What if the company increased premiums and I cant pay the higher cost?
What if I buy it today and dont want it 10 years from now?
What if I already have some and MAYBE I need more but I dont want to waste more money on another policy if I never use it?
John Hancock has the answer. LONG TERM CARE ALTERNATIVE : Its not your Grandparents LTC: If they even had it.
THE ASSET CLASS IN YOUR INVESTMENT PORTFOLIO YOU OVERLOOKED : Life Insurance! Life Settlement Companies Know it, maybe you should too.AFRAID OF PLANNING FOR HEIRS AND RUNNING OUT OF MONEY FOR YOURSELVES? If properly owned, your spouse and beneficiaries can access cash values even before death if an emergency arises and still maintain the estate tax exclusion.You Have the Power to Invest In Your Life. If you can guarantee a rate of return for money already earmarked for your heirs, would you?
With the Guaranteed Premium Permanent Insurance Policies, the premiums paid have an amazing rate of return on the death benefit!
Remember unlike other investment asset classes, Death Benefits are income tax free and capital gains tax free.
Maybe that life insurance policy you bought 10 years ago is not maximizing the death benefit. Cash Values inside policies are great for tax-free 1035 exchange into policies with higher death benefits. If that money is earmarked for the beneficiaries, maximize those cash values it to bring your Rate Of Return up and Guarantee it - while you are healthy and insurable.
CLASSIC IDEAS THAT HAVE BEEN OVERLOOKED:
STRETCH THAT STRETCH IRA - even further than expected with life insurance. Life Insurance Death Benefits provide immediate liquid inheritance without creating higher taxable income in that year when a large taxable inheritance is passed to the next generation. Your IRA can continue to grow deferred to become a legacy for the next generation.
If you have a PENSION, have you thought about ways to get 100% of your pension today and still provide for your spouse with a plan with some flexibility to make changes to continue steadily?
CONVERSION : What the heck is it? and does my current term policy offer it? Maybe I'm not ready to pay Permanent policy premium. Maybe I need a longer term period since those first 10 years went by and now my 20 year term is only a 10 year term.
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