by Ed Hinerman | Oct 7, 2007 | insurance, life insurance
Well, back from vacation and ready to talk about life insurance from every angle possible……..starting tomorrow. Vacation was great. Time with just my wife and myself was awesome. Didn’t have to use our life insurance and that’s a good thing....
by Ed Hinerman | Oct 7, 2007 | cancer, diabetes, heart disease, insurance, life insurance, obesity
I met a guy in Hatch, Ut the other day along our way to Bryce and Zion National Parks. He had a compelling story to tell about beating obesity and how it saved his life. He had lived most of his life in Branson, MO and about five years ago had decided to end annual...
by Ed Hinerman | Oct 7, 2007 | estate taxes, Independent agent, insurance, life insurance, term insurance, universal life
Most life insurance trusts are funded by permanent insurance, either universal life or whole life. This is generally not an inexpensive proposition, but compared to estate taxes, by far the smaller hit. I mentioned in a previous post that the ownership of a policy...
by Ed Hinerman | Oct 7, 2007 | estate taxes, insurance, life insurance
As explained in a previous post, if the owner of a policy sets up a life insurance trust and changes the ownership and beneficiary to the trust, and a death occurs within three years of that change, the IRS will roll the clock back to original ownership and...
by Ed Hinerman | Oct 7, 2007 | estate taxes, insurance quotes, life insurance
Life insurance proceeds are about the only source of money that is income tax free. This gives added value to the benefit that you leave your beneficiaries. There is one area that you need to be careful with beneficiary designations. The IRS has a three year look...
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