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<table border="0" cellpadding="3" cellspacing="1" width="100%" class="forumline"> <tr> <th class="thCornerL" width="22%" height="26">Author</th> <th class="thCornerR">Message</th> </tr> <tr> <td width="22%" align="left" valign="top" class="row1"><span class="name"><a name=""></a><b>xkekg34fa</b></span></td> <td class="row1" height="28" valign="top"><table width="100%" border="0" cellspacing="0" cellpadding="0"> <tr> <td width="100%"><img src="http://picsrv.fora.pl/subSilver/images/icon_minipost.gif" width="12" height="9" alt="Post" title="Post" border="0" /><span class="postdetails">Posted: Fri 20:33, 30 Aug 2013<span class="gen"> </span> Post subject: woolrich bologna Term Life Insurance Tax Benefits</span></td> </tr> <tr> <td colspan="2"><hr /></td> </tr> <tr> <td colspan="2"><span class="postbody">Life <a href="http://www.1855sacramento.com/woolrich.php" target="_blank" class="postlink">woolrich bologna</a> insurance's most known benefit is the lump sum payment to protect your loved ones in the event of death. This is only half of the story if the beneficiaries are correctly listed during the application process (or upon review during the life of the policy). Life insurance is one of the few (and decreasing) ways to receive money without taxation. Congress routinely threatens to tax life insurance benefits in its ever-increasing search for more revenue but the political backlash has proven to be too strong as a result of the huge tax benefits associated with life insurance. Let's look a little closer. <br />The stories of probate are just <a href="http://www.getconversational.com" target="_blank" class="postlink">hollister pas cher</a> plain depressing. The last thing your loved ones want to deal <a href="http://www.1855sacramento.com/peuterey.php" target="_blank" class="postlink">peuterey outlet</a> with after such a loss is the often lengthy, usually expensive, and sometimes confrontational result of estate probate. 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Now proper estate planning may be able to help, but with such a large amount as $500K, the taxes can easily be 50% (Federal and State) since it is falling in one tax <a href="http://www.vivid-host.com/barbour.htm" target="_blank" class="postlink">barbour uk outlet</a> year as a lump sum. That means that one $250K out of the original $500K might go to your loved ones. This so called inheritance <a href="http://www.itsmpdiploma.com" target="_blank" class="postlink">abercrombie</a> tax occurs all the time because people are ill-prepared or unaware. Let's take the case of a life insurance benefit being paid out. If the beneficiary is correctly listed, the full $500K would go the beneficiary with no taxation. This is a huge benefit to life insurance. <br />Surprisingly, the net assets (total assets minus total debt) is not that high in <a href="http://www.lcdmo.com/hollister.php" target="_blank" class="postlink">hollister france</a> the U.S. On average, Americans tend to carry a great deal of debt and this trend has been increasing if anything. Once Uncle Sam has taken his share (the above 50% for example), estate assets can be subject to various creditors. The remaining $250K may now be reduced another $100K to $150K. We have now gone from $500K to $150K. Again, term life insurance benefits are typically not subject to creditors as well. It really is an short cut around the huge pitfalls for large sums of money to be passed on to your loved ones. <br />Let's talk about how to structure the life <a href="http://www.1855sacramento.com/peuterey.php" target="_blank" class="postlink">giubbotti peuterey</a> insurance beneficiary so that the death benefit is protected from taxation and the pains of probate. Clarity in how the benefit is to be paid <a href="http://www.decerner.com" target="_blank" class="postlink">hollister outlet</a> to beneficiaries is also extremely important with term <a href="http://www.maximoupgrade.com/hot.php" target="_blank" class="postlink">hollister</a> life insurance policies. For example, if you have three children and designate an equal amount to each, what happens if one deceases before you or cannot be found? Specify exactly how this type of situation would be handled so there's no confusing. Wills are not a substitute for properly naming your term life beneficiary as wills traditionally deal only with estate issues (probate). Probate is subject to taxes and creditors so it's important to name a person's name directly as a beneficiary to avoid this. <br />We recommend speaking with an estate planner to truly understand the options available to avoid as much of the sting of probate as possible. 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