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 a month tax free it had a woman come in take him to his chemo sessions make his lunch just be with him if they needed it was a huge benefit that we hadn't anticipated meeting but we used what see if you're interested I've never heard life insurance for and that's news to me I need to do I need to do a written test to figure out which one I should do it because now there's four of them the interest rate it's a conservative it always has been and from his report right now end of a favor because he is so low I really can't get anything that is buying life insurance policies that hangs saying that you're different in to see if you could buy and then there's a Set Shadow much like the market equities and bond accounts so those are four things that to find out which one I need to do if I got a response that's absolutely because some people would never be willing to lose a dollar in those cases they have limited what we can do for them but none the les

 Tax free income using life insurance with retirement Consultants bullet diet listening live to see the day 33 years in this business and all the sudden life insurance has emerged as a major player a couple years ago I was at the Thunderbird School of Management all these multi-millionaires flu in a couple billionaires and attending that School of Management and the top two subjects were all about tax-advantaged issues and one of them was white furniture in the simulation let's go to the mechanics first is a non-qualified life insurance was not interested it's not under under the jurisdiction of the government in that regard if you okay okay so but then that means there's no deduction right now make sure all there now we know that means in my contract I don't work original contributions that I put in there that I can take out text right that's right so let's make sure we know that and by the way most bases comes out last in first out but we're one of the few

 let the policy lapse or Surrender that all those loans now they're going to become taxable income to you and that's a disaster that's cuz you don't have cash but a big tax bill that this policy has to be left to maturity has to be left until death occurs you gotta be sure you manage to that degree that was sure that its never lapses no the other issues were comparing it to an investment product here and you're talking about an insurance Arrangement so you know what that's different too I mean there's a death benefit in the insurance and the other is that if you can sort of an ancillary benefit life insurance policies benefits the problem is that life insurance policies are typically designed to be very cost-effective savings Vehicles a lot of the elements of the life insurance piece of itself is really designed to minimize the death benefit to be the qualifications of section 7702 but to maximize the amount of investment that you can do that the right kinds

 But recently I think we seem to the Resurgence of the 162 executive bonus life insurance program what's driving that a couple of things I think the biggest driver of it is been the introduction of something known as the Roth IRA people have become very enamored by the concept of the Roth IRA in the problem with the Roth IRA for a row management they're highly compensated people if I don't qualify to be able to go into an annual Roth IRA because their income level is too high and yet they don't like the idea of the flavor of the type that text meant if it's a Roth IRA off into somebody so I think that that's that's important and the second thing that is made it very attractive today in the real Resurgence as you profess you say is the fact that you want it so you're no longer for money that goes into this account an unsecured credit of the employer you want the accident in Florida Neverland for creditors never have a resource to 7 nonqualified deferred c

 New here though and the principal and actuary of Cobra Insurance Services 2/3 videos are serious about using the wrong life insurance policy could be a $21,000 mistake and if they do I'll be showing you how to determine how much life insurance you need will discuss how life insurance needs decrease as you get older and why it's important to consider this prior to purchasing a policy will talk about the importance of creating a financial plan and how cold can help save you from spending thousands of life insurance coverage that you don't really need one of the most important questions that people can ask themselves prior to purchasing a life insurance policy how much life insurance do I really need in order to answer that question yet the first take a serious look at your assets and liabilities and how they change over time for those unfamiliar with these terms liabilities are financial responsibilities that need to be paid back either item such as your mortgage credit card

 Hello this is Melissa Morley with all seasons insurance today become an independent insurance broker start by defining what is an insurance broker to broker is an insurance producer who is licensed to sell insurance for Home Auto with your Property and Casualty or life which is disability health and life or even the variable products and annuities so different Insurance Brokers require different Insurance licenses determined by the companies that you are to represent your state specific requirements to start by getting your pee licensing education on your state-specific insurance commissioner's website to 4 Hour pre-licensing education you need to be tested because on the insurance level the guidelines are governed by your individual States state is a little bit different on their requirements once you have finished your pre-licensing you take your test you also are required to have fingerprints off of background check is required to become an insurance agent to become an insuranc

 So, it's like you have no money, so unless you call death, you do not get any money, just like your car insurance because you are absolutely right in his office Mr. term life insurance, you have car insurance does not pay your money, your car insurance, homeowners insurance, including the value of your insurance this insurance to investment or life you can buy What is done is any gimmick bells or whistles built whole life or universal life or variable life, and now, the digital-specific data $ 5, your insurance than term life of 20 years term level can buy in order, because you can life insurance $ 100 × monthly cash value not set a savings account in which you have called the $ 95 per month, it set up an efficient plan then close the policy later, pay he would write a check for you, you come back to buy the insurance value of your savings, and $ 5 for $ 0.02 $ 95, $ 100 Why is the monthly cost because bad production number is very ordinary life insurance policy almost 1 percent,