By Bart Astor

Cliffs Notes: realizing lifestyles assurance is the proper software for someone pressured by means of the tricky language of existence coverage. discover the myths and realities of assurance. Get the instruments you want to ensure what kind of plan is true for you. Cliffs Notes: realizing existence assurance offers professional recommendation at the phrases and lingo of lifestyles assurance and should assist you decipher the language of any coverage. know about why lifestyles assurance may be a major asset to you and your loved ones. choked with details and professional pointers on decoding the language of existence coverage. become aware of the variations among time period, complete, and common lifestyles. beneficial properties suggestion on new coverage items adapted to varied wishes. lifestyles coverage revenues have grown constantly on the grounds that global warfare II with revenues achieving $9.8 billion in 1997. (LIMRA, 1999)

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You can set up a trust from your assets or from your life insurance policy, and you can continue to add to it or not. The following sections describe the three kinds of trusts that most affect life insurance policies. Chapter 3: Life Insurance in Estate Planning 25 Revocable trusts A revocable trust is a means by which you can allocate your property, including your life insurance death benefit, to another person. ” You still manage and have total control of the fund, and you can even abolish it if you choose.

7. 8. 9. Projected surrender value after: 1st year ______ ______ ______ 5th year ______ ______ ______ 10th year ______ ______ ______ Is there a history of dividends? ______ ______ ______ Annual estimated dividend ______ ______ ______ Terminal estimated dividend ______ ______ ______ Additional costs if placed in a higher-risk category ______ ______ ______ Dividends CHAPTER 6 UNIVERSAL LIFE INSURANCE I N T H I S C HAPT E R ■ Understanding universal life ■ Learning about interest ■ Borrowing against your cash value ■ Deciding on death benefits ■ Determining premiums ■ Determining the pros and cons of universal life insurance ■ Choosing a universal life insurance policy Universal life insurance provides flexibility to policyholders.

Rates of return The rate of return you get from an investment in whole life insurance is based on the insurance company’s ability to invest wisely. The company combines all the cash-value money it gets from all its policyholders and invests this sum, usually in low-risk investments, which naturally pay lower profits than many other investments. Regardless of what return the company gets on its investment, though, most whole life policies guarantee at least a minimum rate of return. Anything the company makes over that (and over and above its costs) goes toward your cash value.

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