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Ninci.com - Diamond and Gemstone Jewelry - We offer diamond and gemstone jewelry, rings, earrings, bracelets, necklaces, pendants, fashion jewelry, premier quality jewelry. Select from our fabulous 14K and 18K gold jewelry, diamond rings, bracelets, necklaces. All in great prices.

Guide to Fine Pearl, Diamond, Silver, Platinum, Gold, Gemstone Jewelry - Guide to fine Pearl, Diamond, Silver, Platinum, Gold, and other fine gemstone jewelry sites and education on pearl and gemstone qualities, history, valuations, and gem types and colors available.

 

 

Things You Need to Know
before you talk to an Insurance Agent

Parenting

According to the U.S. Department of Agriculture, American parents spend in the neighborhood of a quarter of a million dollars to support a child through age 18. That figure doesn't even include the mother of all child-related expenses, a college education. Of course, most families wish to give their children more than the basics when it comes to financial support and that's where a smart financial plan comes into play - including life insurance and trusts.


Where are You Vacationing?

You can get life insurance if you smoke or sky-dive. But good luck if you plan to visit Israel , Colombia , Kenya , or Saudi Arabia . Some big U.S. insurers, including Allstate Corp., won't insure anyone, for any price, who plans in the next three years to visit one of those countries or the other 22 now on the State Dept.'s travel-warning list.

Are life insurance benefits taxable?

Death benefits are usually not subject to federal income tax. There are exceptions, though, if the IRS deems your insurance policy to be an investment in disguise or if the benefit pushes your estate pass the estate tax thresholds. Your insurance agent should be able to tell you if your policy benefits will be taxable.

 

Who can you insure?

There must be an insurable interest in order for one party (you) to take out life insurance on another party (parents, children, etc.).

Do they support you, or do you live with them and rely on them for any financial support or living situation? If yes, you may be able to get a life policy on them.