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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.
