The document discusses leaving a legacy and passing assets to loved ones. It outlines three phases of life: accumulation, preservation, and distribution. It then discusses various legacy planning options like life insurance, annuities, and wills to efficiently transfer assets and maximize the amount received by beneficiaries. The document promotes American General Life and Accident Insurance Company's legacy planning products and solutions.
The document discusses the importance of estate planning through tools like wills, mandates of incapacity, and trusts. It notes that most clients do not have up-to-date wills and discusses strategies to avoid or defer taxes upon death like leaving assets to a spouse. It also describes helping a client set up a family trust to provide for their disabled child after their passing while transferring assets in a tax-efficient structure. Finally, it emphasizes that estate planning is important to avoid high tax liability and ensure one's wishes are followed but that clients often delay or avoid it due to time, costs, or discomfort with the subject.
The Benefits of Filing for an Alberta Bankruptcy by Bromwich and SmithSolving Debt
Many Canadians believe that bankruptcy in Alberta is the end of the road. Although there are some disadvantages to filing, there are many benefits that come from filing for an Alberta bankruptcy. The biggest advantage to filing for bankruptcy is it can provide a fresh financial start for honest debtors in Alberta
In life insurance, you insure yourself to protect your loved ones. It's as if by putting on a helmet yourself, your child would be safe if he or she fell off the bike. It sounds illogical and yet it's not only true but it's very effective!
You probably guessed it, but your life insurance will pay a death benefit when you're gone. So you'll never really benefit from it. Instead, your spouse, children, parents or loved ones will be the real people protected by your life insurance. Since they would be the people most affected by your death, they are the ones you really protect by taking out your insurance.
Midwest Advantage Insurance & Financial Services is an established company based in Wisconsin that provides planning solutions for individuals, families, and small businesses. They offer services related to cash flow management, asset accumulation, risk protection, retirement planning, life and health insurance, and business solutions through various partner companies. Their mission is to service current and future clients by offering customized solutions to meet their financial needs.
Everything the Financial Advisor Needs To Know About Estate Planningwardwilsey
The document provides an overview of key estate planning strategies that financial advisors need to be aware of in order to properly address their clients' estate planning concerns. It discusses the importance of estate planning for clients with $3-10 million in net worth. It then covers estate tax rules, revocable living trusts, LLCs, spousal gifting trusts, IRA beneficiary designations, and techniques for avoiding or minimizing estate taxes such as GRATs, QPRTs, IDGTs, and charitable lead annuity trusts. The goal is to educate advisors on how to take a holistic wealth management approach that incorporates estate planning to better serve clients and grow their business.
Austin State Farm Agent offer legal or tax advice at https://www.kirkingels.com
Find us here: https://goo.gl/maps/UB2ddTL3kAjXLWin6
Services:
Austin State Farm Agent
State Farm Agent Austin TX
State Farm Austin TX
State Farm is actually among the earliest titles in Insurance, and theirs is a name you can trust. If State Farm didn't offer
exceptional customer support and satisfaction, there is no way there could still be going strong. Frequently, it is much cheaper to
purchase all of your insurance programs through a single carrier than through many distinct businesses. Austin State Farm Agent
provides for all of your insurance requirements, without making you pay a lot of money. Is not it wiser to employ Austin State Farm
Agent that you know that you can rely on.
Address
3701 Bee Caves Rd STE 201, Austin, TX 78746, USA
Phone: +1 512-328-7788
Fax: (512) 870-9370
Follow us on:
http://ebusinesspages.com/Kirk-Ingles_dyrmn.co
https://www.mapquest.com/my-maps/5b2290bd-b488-45b2-995e-d3740a6c7e96
https://www.topgoogle.com/listing/Kirk-Ingles/
https://influence.co/statefarmaustintx
https://en.gravatar.com/statefarmaustintx
https://www.instagram.com/statefarmaustintx/
This document discusses using an irrevocable funeral trust to protect assets from nursing home costs and become eligible for Medicaid benefits. It notes that most states allow parents to fund funeral trusts for children without counting as a divestment of assets. The funeral trust can be funded with a life insurance policy and provides protection for funeral expenses while allowing spend-down of other assets for Medicaid eligibility. Consulting an elder law attorney is recommended to understand state-specific Medicaid rules.
The document discusses the importance of estate planning through tools like wills, mandates of incapacity, and trusts. It notes that most clients do not have up-to-date wills and discusses strategies to avoid or defer taxes upon death like leaving assets to a spouse. It also describes helping a client set up a family trust to provide for their disabled child after their passing while transferring assets in a tax-efficient structure. Finally, it emphasizes that estate planning is important to avoid high tax liability and ensure one's wishes are followed but that clients often delay or avoid it due to time, costs, or discomfort with the subject.
The Benefits of Filing for an Alberta Bankruptcy by Bromwich and SmithSolving Debt
Many Canadians believe that bankruptcy in Alberta is the end of the road. Although there are some disadvantages to filing, there are many benefits that come from filing for an Alberta bankruptcy. The biggest advantage to filing for bankruptcy is it can provide a fresh financial start for honest debtors in Alberta
In life insurance, you insure yourself to protect your loved ones. It's as if by putting on a helmet yourself, your child would be safe if he or she fell off the bike. It sounds illogical and yet it's not only true but it's very effective!
You probably guessed it, but your life insurance will pay a death benefit when you're gone. So you'll never really benefit from it. Instead, your spouse, children, parents or loved ones will be the real people protected by your life insurance. Since they would be the people most affected by your death, they are the ones you really protect by taking out your insurance.
Midwest Advantage Insurance & Financial Services is an established company based in Wisconsin that provides planning solutions for individuals, families, and small businesses. They offer services related to cash flow management, asset accumulation, risk protection, retirement planning, life and health insurance, and business solutions through various partner companies. Their mission is to service current and future clients by offering customized solutions to meet their financial needs.
Everything the Financial Advisor Needs To Know About Estate Planningwardwilsey
The document provides an overview of key estate planning strategies that financial advisors need to be aware of in order to properly address their clients' estate planning concerns. It discusses the importance of estate planning for clients with $3-10 million in net worth. It then covers estate tax rules, revocable living trusts, LLCs, spousal gifting trusts, IRA beneficiary designations, and techniques for avoiding or minimizing estate taxes such as GRATs, QPRTs, IDGTs, and charitable lead annuity trusts. The goal is to educate advisors on how to take a holistic wealth management approach that incorporates estate planning to better serve clients and grow their business.
Austin State Farm Agent offer legal or tax advice at https://www.kirkingels.com
Find us here: https://goo.gl/maps/UB2ddTL3kAjXLWin6
Services:
Austin State Farm Agent
State Farm Agent Austin TX
State Farm Austin TX
State Farm is actually among the earliest titles in Insurance, and theirs is a name you can trust. If State Farm didn't offer
exceptional customer support and satisfaction, there is no way there could still be going strong. Frequently, it is much cheaper to
purchase all of your insurance programs through a single carrier than through many distinct businesses. Austin State Farm Agent
provides for all of your insurance requirements, without making you pay a lot of money. Is not it wiser to employ Austin State Farm
Agent that you know that you can rely on.
Address
3701 Bee Caves Rd STE 201, Austin, TX 78746, USA
Phone: +1 512-328-7788
Fax: (512) 870-9370
Follow us on:
http://ebusinesspages.com/Kirk-Ingles_dyrmn.co
https://www.mapquest.com/my-maps/5b2290bd-b488-45b2-995e-d3740a6c7e96
https://www.topgoogle.com/listing/Kirk-Ingles/
https://influence.co/statefarmaustintx
https://en.gravatar.com/statefarmaustintx
https://www.instagram.com/statefarmaustintx/
This document discusses using an irrevocable funeral trust to protect assets from nursing home costs and become eligible for Medicaid benefits. It notes that most states allow parents to fund funeral trusts for children without counting as a divestment of assets. The funeral trust can be funded with a life insurance policy and provides protection for funeral expenses while allowing spend-down of other assets for Medicaid eligibility. Consulting an elder law attorney is recommended to understand state-specific Medicaid rules.
This document summarizes information about Settlers Life Insurance Company, including its history, financial strength, and the life insurance policies it offers. Settlers Life has been in business since 1933 and has over $400 million in assets. It has an A- rating from A.M. Best, indicating an excellent ability to meet obligations. The company focuses on paying claims, having paid over $323 million in claims since 2000. It offers whole life insurance policies for up to $50,000 that provide coverage from ages 15 days to 85 years with premiums that will never increase and coverage that will never decrease.
This document discusses the importance of planning and funding for one's final expenses. It notes that while death is certain, planning can make things easier for loved ones. It provides estimates of common final costs and explains how funding arrangements can help reduce estate settlements, taxes, medical bills, and be a last gift. Statistics are given showing that while hospital, surgery or nursing home insurance may not be used, final expense insurance is a 100% certainty that will be used. Contact information is provided to help agents succeed in assisting seniors with final planning.
The document discusses the importance of estate planning and provides a top 10 list of reasons to do estate planning. It begins with defining estate planning as a way to distribute your assets according to your wishes after your death or incapacitation. The top 10 reasons include protecting pets, leaving a charitable legacy, protecting assets from children's creditors, passing values to future generations, and ensuring one's wishes are fulfilled. The document also provides brief history of estate taxes in the United States.
Estate planning involves systematically addressing problems and offering solutions related to wealth, dependents, businesses, and charitable goals upon death. An estate planning team typically includes an attorney, accountant, and insurance advisor. Key issues at death include caring for minor children, paying taxes and fees, and transferring assets through probate. Proper estate planning tools like wills, trusts, gifts, and life insurance can avoid probate, reduce taxes, provide for heirs, and offer peace of mind.
Get all the details about healthcare premium and it's rise over the last few years. Find The factors which determined your health insurance premiums before affordable care act are different from what they are now. For more info on health insurance premium https://truecoverage.com/
StateTrust specializes in providing financial products and services to help clients reach their investment goals and objectives, including marriage and estate planning. Married couples need to establish how property will be divided between spouses upon death, as laws regarding community and common-law property differ by state. An irrevocable life insurance trust allows life insurance proceeds to pass tax-free to beneficiaries upon death. A person can transfer unlimited assets to their spouse during life or at death without gift or estate taxes, though the assets will eventually be taxed in the surviving spouse's estate if not sold or subject to gift taxes. Ways to transfer property between spouses include outright gifts, jointly held property, life insurance, trusts, and wills.
This document compares annuity certificates and bank certificates. It states that annuity certificates offer faster growth than bank certificates due to tax-deferred interest that compounds over time. An example shows $100,000 growing to $179,085 in 10 years with an annuity certificate compared to $146,607 with a bank certificate. It also argues that annuity certificates are safer investments than bank certificates because they are regulated by state insurance departments and have guaranty funds to protect deposits. The document strongly recommends annuity certificates over bank certificates for their investment returns and safety.
State Farm Agent in Austin TX for life, home, car insurance and more at https://www.kirkingels.com
Find us here: https://goo.gl/maps/UB2ddTL3kAjXLWin6
Services:
Austin State Farm Agent
State Farm Agent Austin TX
State Farm Austin TX
State Farm can take care of all your insurance needs. They offer most types of insurance coverage. All the usual suspects of auto, home, life, renter's, and supplemental medical Insurance are available through State Farm. Other insurance offerings include condo, long-term care, and Medicare supplement. The State Farm web site kirkingels.com is very user-friendly and easy to use. Using the web site, consumers can obtain a quote on any policy named above, or find an agent, both within minutes. Answering a few quick questions will lead you to a free online quote, and a search feature makes finding State Farm Agent in Austin TX simple work.
Contact Us: Kirk Ingles
3701 Bee Caves Rd STE 201, Austin, TX 78746, USA
Phone: (512) 270-6327
Fax: (512) 870-9370
Follow us on:
https://www.pinterest.com/StateFarmAustinTX/
https://www.instagram.com/statefarmaustintx/
http://statefarmaustintx.wordpress.com/
https://statefarmaustintx.tumblr.com/
https://en.gravatar.com/statefarmaustintx
There are many decisions loved ones must make immediately following a loss. Putting together a final expense program with a licensed professional so their loved ones won’t have to worry about financial pitfalls that accompany these important decisions will help ease their mind and their potential burden.
The document discusses the importance of disability income insurance in protecting a portion of lost earnings if someone is unable to work due to illness or injury. It notes that while some people have coverage through work, their full paycheck is likely not protected. The author highlights key benefits of disability income coverage through Massachusetts Mutual Life Insurance, including guarantees that premiums won't rise and coverage can't be cancelled before age 65 if premiums are paid on time. He invites the reader to review enclosed information and schedule a meeting to discuss disability income protection options.
The document discusses the risks of disability and the need for long-term disability insurance. Some key points made include: disability is more likely than death during working years; over 12 million people experience disabilities each year from accidents; becoming disabled could wipe out 10 years of savings or more if relying only on sources like Social Security, loans, selling investments; and obtaining disability insurance now guarantees coverage and locks in lower rates before age 65 when risks increase.
This document summarizes the offerings of MWR Financial, a company founded in 2013 that provides financial solutions and services. It outlines MWR Financial's executive team and leadership, the financial products and services it offers members through its Financial Edge membership including tools for debt resolution, credit improvement, tax savings, and retirement planning. It also describes the opportunity to become an MWR Financial consultant and share the Financial Edge membership and business opportunity with others to earn commissions and bonuses.
This document summarizes the offerings of MWR Financial, a company founded in 2013 that provides financial solutions and services. It outlines MWR Financial's executive team and leadership, the financial products and services it offers members through its Financial Edge membership including programs for debt resolution, credit improvement, money management, and tax reduction. It also describes the opportunity to become an MWR Financial consultant and share the Financial Edge membership and business opportunity with others for daily commissions and bonuses.
WHAT IS THE VETERANS’ GROUP LIFE INSURANCE (VGLI) AND SHOULD I PARTICIPATE?James Groh, MBA
The Veterans’ Group Life Insurance (VGLI) is a program that allows veterans to continue the Servicemembers’ Group Life Insurance (SGLI) after they separate from service. If you're a veteran or will soon separate from service, should you participate? The answer is probably no. Read this article to find out why and learn how you can potentially save hundreds of thousands of dollars by buying your life insurance elsewhere.
Leaving a Legacy - Volleyball England Foundationsimoneturner1
The document discusses leaving a gift in one's will to the Volleyball England Foundation. It provides information on the types of gifts one can leave such as a percentage of their estate, a fixed sum, or a specific item. It also addresses frequently asked questions about writing a will, naming an executor, informing the Foundation of a planned gift, inheritance tax implications, and how to choose a solicitor. The overall document provides guidance to help people consider leaving a legacy to the Foundation through a gift in their will.
All American Financial Network provides retirement planning, life insurance, annuities, and pension services to help agents and their clients retire comfortably. The company aims to educate Americans on proactively retiring tax-free through leading financial products like indexed universal life insurance that can offer stock market returns without risk of loss and potentially no taxes. Agents can build a business through All American's revenue sharing model by recruiting other agents and helping clients establish tax-advantaged retirement plans.
Buying a home at the top of your approved budget could lead to many dull years of sacrificing other financial goals to afford housing costs. Total housing costs, including taxes, utilities and maintenance, should not exceed 35% of total income to avoid being "house poor". A budget that allocates 10% to housing, 15% to transportation, 15% to living expenses, 25% to debt repayment, and 35% to savings can help people afford a home while staying "life rich".
Housing Opportunities Inc. provides affordable housing and support services to the homeless community. The internship involved assisting with accounting duties like billing, bookkeeping, and working with fund developers. It highlighted the challenges of providing housing and support with limited resources but also the rewards of helping families off the streets. The intern gained insight into not-for-profit work and felt more committed to a future career in affordable housing organizations.
The document discusses retirement plan options when leaving a job, including rolling funds over to a new employer's plan if it accepts them, rolling funds over to a traditional IRA, having funds paid directly to you, or leaving funds in the former employer's plan if permitted. It notes that having funds paid directly results in taxes and potential penalties. The document also describes annuity options through American General Life and Accident Insurance Company that provide tax-deferred growth, easy access to funds, and guaranteed lifetime income.
A influenza é uma infecção respiratória comum causada principalmente pelos vírus A e B, que podem causar febre alta, dor muscular e tosse. Embora os sintomas sejam semelhantes, a gripe é geralmente mais grave do que um resfriado comum. Uma vacina anual é recomendada para grupos de risco.
This document summarizes information about Settlers Life Insurance Company, including its history, financial strength, and the life insurance policies it offers. Settlers Life has been in business since 1933 and has over $400 million in assets. It has an A- rating from A.M. Best, indicating an excellent ability to meet obligations. The company focuses on paying claims, having paid over $323 million in claims since 2000. It offers whole life insurance policies for up to $50,000 that provide coverage from ages 15 days to 85 years with premiums that will never increase and coverage that will never decrease.
This document discusses the importance of planning and funding for one's final expenses. It notes that while death is certain, planning can make things easier for loved ones. It provides estimates of common final costs and explains how funding arrangements can help reduce estate settlements, taxes, medical bills, and be a last gift. Statistics are given showing that while hospital, surgery or nursing home insurance may not be used, final expense insurance is a 100% certainty that will be used. Contact information is provided to help agents succeed in assisting seniors with final planning.
The document discusses the importance of estate planning and provides a top 10 list of reasons to do estate planning. It begins with defining estate planning as a way to distribute your assets according to your wishes after your death or incapacitation. The top 10 reasons include protecting pets, leaving a charitable legacy, protecting assets from children's creditors, passing values to future generations, and ensuring one's wishes are fulfilled. The document also provides brief history of estate taxes in the United States.
Estate planning involves systematically addressing problems and offering solutions related to wealth, dependents, businesses, and charitable goals upon death. An estate planning team typically includes an attorney, accountant, and insurance advisor. Key issues at death include caring for minor children, paying taxes and fees, and transferring assets through probate. Proper estate planning tools like wills, trusts, gifts, and life insurance can avoid probate, reduce taxes, provide for heirs, and offer peace of mind.
Get all the details about healthcare premium and it's rise over the last few years. Find The factors which determined your health insurance premiums before affordable care act are different from what they are now. For more info on health insurance premium https://truecoverage.com/
StateTrust specializes in providing financial products and services to help clients reach their investment goals and objectives, including marriage and estate planning. Married couples need to establish how property will be divided between spouses upon death, as laws regarding community and common-law property differ by state. An irrevocable life insurance trust allows life insurance proceeds to pass tax-free to beneficiaries upon death. A person can transfer unlimited assets to their spouse during life or at death without gift or estate taxes, though the assets will eventually be taxed in the surviving spouse's estate if not sold or subject to gift taxes. Ways to transfer property between spouses include outright gifts, jointly held property, life insurance, trusts, and wills.
This document compares annuity certificates and bank certificates. It states that annuity certificates offer faster growth than bank certificates due to tax-deferred interest that compounds over time. An example shows $100,000 growing to $179,085 in 10 years with an annuity certificate compared to $146,607 with a bank certificate. It also argues that annuity certificates are safer investments than bank certificates because they are regulated by state insurance departments and have guaranty funds to protect deposits. The document strongly recommends annuity certificates over bank certificates for their investment returns and safety.
State Farm Agent in Austin TX for life, home, car insurance and more at https://www.kirkingels.com
Find us here: https://goo.gl/maps/UB2ddTL3kAjXLWin6
Services:
Austin State Farm Agent
State Farm Agent Austin TX
State Farm Austin TX
State Farm can take care of all your insurance needs. They offer most types of insurance coverage. All the usual suspects of auto, home, life, renter's, and supplemental medical Insurance are available through State Farm. Other insurance offerings include condo, long-term care, and Medicare supplement. The State Farm web site kirkingels.com is very user-friendly and easy to use. Using the web site, consumers can obtain a quote on any policy named above, or find an agent, both within minutes. Answering a few quick questions will lead you to a free online quote, and a search feature makes finding State Farm Agent in Austin TX simple work.
Contact Us: Kirk Ingles
3701 Bee Caves Rd STE 201, Austin, TX 78746, USA
Phone: (512) 270-6327
Fax: (512) 870-9370
Follow us on:
https://www.pinterest.com/StateFarmAustinTX/
https://www.instagram.com/statefarmaustintx/
http://statefarmaustintx.wordpress.com/
https://statefarmaustintx.tumblr.com/
https://en.gravatar.com/statefarmaustintx
There are many decisions loved ones must make immediately following a loss. Putting together a final expense program with a licensed professional so their loved ones won’t have to worry about financial pitfalls that accompany these important decisions will help ease their mind and their potential burden.
The document discusses the importance of disability income insurance in protecting a portion of lost earnings if someone is unable to work due to illness or injury. It notes that while some people have coverage through work, their full paycheck is likely not protected. The author highlights key benefits of disability income coverage through Massachusetts Mutual Life Insurance, including guarantees that premiums won't rise and coverage can't be cancelled before age 65 if premiums are paid on time. He invites the reader to review enclosed information and schedule a meeting to discuss disability income protection options.
The document discusses the risks of disability and the need for long-term disability insurance. Some key points made include: disability is more likely than death during working years; over 12 million people experience disabilities each year from accidents; becoming disabled could wipe out 10 years of savings or more if relying only on sources like Social Security, loans, selling investments; and obtaining disability insurance now guarantees coverage and locks in lower rates before age 65 when risks increase.
This document summarizes the offerings of MWR Financial, a company founded in 2013 that provides financial solutions and services. It outlines MWR Financial's executive team and leadership, the financial products and services it offers members through its Financial Edge membership including tools for debt resolution, credit improvement, tax savings, and retirement planning. It also describes the opportunity to become an MWR Financial consultant and share the Financial Edge membership and business opportunity with others to earn commissions and bonuses.
This document summarizes the offerings of MWR Financial, a company founded in 2013 that provides financial solutions and services. It outlines MWR Financial's executive team and leadership, the financial products and services it offers members through its Financial Edge membership including programs for debt resolution, credit improvement, money management, and tax reduction. It also describes the opportunity to become an MWR Financial consultant and share the Financial Edge membership and business opportunity with others for daily commissions and bonuses.
WHAT IS THE VETERANS’ GROUP LIFE INSURANCE (VGLI) AND SHOULD I PARTICIPATE?James Groh, MBA
The Veterans’ Group Life Insurance (VGLI) is a program that allows veterans to continue the Servicemembers’ Group Life Insurance (SGLI) after they separate from service. If you're a veteran or will soon separate from service, should you participate? The answer is probably no. Read this article to find out why and learn how you can potentially save hundreds of thousands of dollars by buying your life insurance elsewhere.
Leaving a Legacy - Volleyball England Foundationsimoneturner1
The document discusses leaving a gift in one's will to the Volleyball England Foundation. It provides information on the types of gifts one can leave such as a percentage of their estate, a fixed sum, or a specific item. It also addresses frequently asked questions about writing a will, naming an executor, informing the Foundation of a planned gift, inheritance tax implications, and how to choose a solicitor. The overall document provides guidance to help people consider leaving a legacy to the Foundation through a gift in their will.
All American Financial Network provides retirement planning, life insurance, annuities, and pension services to help agents and their clients retire comfortably. The company aims to educate Americans on proactively retiring tax-free through leading financial products like indexed universal life insurance that can offer stock market returns without risk of loss and potentially no taxes. Agents can build a business through All American's revenue sharing model by recruiting other agents and helping clients establish tax-advantaged retirement plans.
Buying a home at the top of your approved budget could lead to many dull years of sacrificing other financial goals to afford housing costs. Total housing costs, including taxes, utilities and maintenance, should not exceed 35% of total income to avoid being "house poor". A budget that allocates 10% to housing, 15% to transportation, 15% to living expenses, 25% to debt repayment, and 35% to savings can help people afford a home while staying "life rich".
Housing Opportunities Inc. provides affordable housing and support services to the homeless community. The internship involved assisting with accounting duties like billing, bookkeeping, and working with fund developers. It highlighted the challenges of providing housing and support with limited resources but also the rewards of helping families off the streets. The intern gained insight into not-for-profit work and felt more committed to a future career in affordable housing organizations.
The document discusses retirement plan options when leaving a job, including rolling funds over to a new employer's plan if it accepts them, rolling funds over to a traditional IRA, having funds paid directly to you, or leaving funds in the former employer's plan if permitted. It notes that having funds paid directly results in taxes and potential penalties. The document also describes annuity options through American General Life and Accident Insurance Company that provide tax-deferred growth, easy access to funds, and guaranteed lifetime income.
A influenza é uma infecção respiratória comum causada principalmente pelos vírus A e B, que podem causar febre alta, dor muscular e tosse. Embora os sintomas sejam semelhantes, a gripe é geralmente mais grave do que um resfriado comum. Uma vacina anual é recomendada para grupos de risco.
Research methodology ethical issues in research an assignmentMaiJoy
This document discusses six key ethical considerations in research: 1) informed consent, 2) invasion of privacy and maintaining confidentiality, 3) deception, 4) protection from harm, 5) data protection, and 6) managing conflicts of interest and affiliation. Violating any of these ethics can have negative consequences like jeopardizing future participation in research, damaging the reputation of the researcher and sponsor, and weakening public trust in the research process. Upholding strong ethical standards is important for conducting research responsibly and building trust.
1) Las enfermedades pueden ser causadas por parásitos, bacterias o virus. Los virus son los agentes causales más pequeños y causan numerosas enfermedades en humanos, animales y plantas. 2) No existen tratamientos que curen enfermedades virales, solo medidas preventivas como vacunas, cuarentena e higiene. 3) Para determinar si una enfermedad es viral se requiere análisis de laboratorio, ya que los síntomas pueden ser similares a los de otras causas.
This document discusses strategies for wealth preservation and estate planning, including the risks of taxes reducing the value of an estate and solutions like life insurance. It also covers the risks of critical illnesses and long term care needs, and how insurance can help cover costs to protect finances during illness or care needs. Estate equalization strategies using life insurance are presented as a way to fairly distribute assets among heirs.
This insurance package was mailed to consumers to coincide with their birthday and positioned the life insurance product as a meaningful way their birthday "wish" can come true and that is, to protect their family's financial security.
- 2 out of 3 Canadians will fail to achieve important life goals due to lack of financial planning
- Seniors especially need proper planning to avoid outliving their money and making costly mistakes like withdrawing from RSPs too early
- When getting financial advice, be wary of unqualified sources and those who only tell you what you want to hear rather than the reality
- Products like TFSA and life insurance can be important planning tools, with TFSA allowing tax-free growth and life insurance providing death benefits and ways to equalize estates
The document discusses the importance of protecting your family's financial security through life insurance, disability insurance, and long-term care insurance. It notes that your future earnings are typically your most valuable asset but can be at risk if you die prematurely, become disabled, or require long-term care. It highlights that many families are underinsured for these risks. The document urges planning now to choose appropriate insurance coverage to safeguard your loved ones' financial well-being and independence.
See how you can eliminate most all the ways people fail financially. Whether you live long, die too soon or get a critical illness along the way, you can be financially protected. Eliminate financial stress during a major illness and you will heal quicker. We show you how.
After viewing, learn more at www.petercatalano.com
1. The document provides information about financial planning services offered by Turenne Joseph, a financial advisor with Investors Group. It discusses various financial topics and risks women may face.
2. Building wealth, protecting assets, and planning for retirement and legacy are important topics to discuss with a financial advisor. Insufficient planning can leave one vulnerable.
3. Meeting regularly with a financial planner allows them to ensure one's investments, insurance, and estate plan align with their goals and risk tolerance over the long term. Asking the right questions is important to financial security.
Life insurance provides a death benefit to help support a person's family financially after their death. It can replace income and pay for funeral costs, living expenses, education costs, and other needs. Life insurance proceeds are generally not taxed by the government. Anyone who has people depending on them financially in some way may need life insurance, whether single, married, a homemaker, business owner, or retired. Taking time to consider what would happen financially to loved ones if someone died can help determine how much life insurance is needed. While the emotional loss cannot be replaced, life insurance aims to prevent additional financial hardship for surviving family members.
The document discusses a company called FFS that provides financial services and products to help families achieve their financial goals. It promotes FFS's business building system as a proven way for leaders to build a successful business. FFS aims to improve families' saving habits through the latest financial concepts and products. The document then outlines several problems facing Americans today such as debt, lack of savings, and retirement issues. It suggests that through FFS's services, families can gain financial security and independence.
This document summarizes a financial services opportunity with Virtual Financial Group. It highlights how VFG can help families achieve their dreams through building a virtual business and financial education. Key points include:
- VFG's mission is to help families become financially secure through disciplined money management and providing associates with strong virtual businesses.
- There is a large unmet need for financial guidance and products tailored for average families, not just the wealthy.
- VFG offers solutions like life insurance and indexed universal life insurance to help families protect against illness/death and save for goals in a tax-advantaged way.
- Associates can build their business virtually through VFG's online platform and support systems.
Virtual Financial is one of the leading business providers in the business world. They have the highest level of services, and they provide the best deals to their customers. One can trust them blindly to unite with this industry.
This document summarizes key information about long term care, including what it is, associated costs, risks, and options for managing those risks. It discusses what long term care insurance covers and how it can help pay for care costs to maintain independence. The document also provides details on qualifying for coverage and benefits, selecting the right policy and company, and why purchasing insurance sooner rather than later can help reduce costs and ensure eligibility.
The Best Way to Buy Sell or Replace Life Insurancefreddysaamy
http://ekinsurance.com/pennsylvania-life-insurance/
Traditionally, life insurance is purchased during your working years to replace your income for your family in case you died. But if you are retired, do you still need life insurance?
This document discusses protecting yourself as your most valuable asset through insurance with GREENLIGHT. It notes that while people work hard to provide for their families, they often don't consider what would happen if they were unable to work. GREENLIGHT insurance offers various plans to protect individuals' and businesses' incomes and livelihoods against risks such as death, disability, critical illness, and temporary or permanent inability to work. It highlights benefits like cash payments for needs, monthly income payments, savings options, and business protection.
Asset Protection: Reducing Risk, Promoting Peace of Mind HayesLaw
Every American adult shares a dubious characteristiceach is a walking litigation target. Part of your birthright is that you may be sued at any time, for any reason, and for any amount.
The document discusses optimizing Social Security benefits and lifetime income in retirement. It provides an agenda covering retirement facts, Social Security basics, filing strategies and recent changes. The presentation is intended to help clients better understand how to maximize their Social Security income and address concerns around having enough money in retirement given increasing lifespans. Key topics include Social Security calculations, the impact of claiming age on benefits, spousal and survivor benefits, and strategies for filling potential gaps in income.
COUNTRY Financial provides insurance and financial services to protect homes, cars, businesses, and lives from the unexpected, and help plan for retirement, children's education, and financial goals. Their products include auto, home, life, disability, long-term care, business, and retirement insurance as well as education funding and investment options. Customers can get a plan customized for their needs and priorities to gain financial security and peace of mind.
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With proper estate and legacy planning, wealthy families have a better chance of success in passing on their fortune to their family, from one generation to the next. Learn more about legacy wealth planning in this presentation.
This document discusses building a strong financial foundation through voluntary benefit programs that can help protect employees from life's uncertainties. It highlights the importance of having insurance such as disability, life, long-term care, and critical illness insurance. Specific types of insurance coverage being offered through the employer include universal life insurance with long-term care and other riders, short-term disability insurance, and group critical illness insurance. Employees are encouraged to review their needs and coverage with their spouse.
This document provides information on using life insurance for retirement and estate planning purposes. It discusses three main reasons why retirees may still need life insurance: 1) to replace a spouse's lost income if they pass away, 2) for estate planning to distribute assets or pay estate taxes, and 3) to maximize IRA or retirement plan distributions by leaving tax-free life insurance proceeds to heirs. The document then discusses how much life insurance retirees may need based on obligations and supporting future family income needs. It also provides strategies for using existing life insurance policies, such as 1035 exchanges to annuities or lower death benefit policies, to gain tax benefits and income. Finally, it discusses how life insurance trusts can be used to keep policy
22. Are you interested in providing your heirs, favorite charity, or church with a federal income tax-free gift?
23. Are you interested in providing your loved ones with a legacy that avoids the costs, delays and publicity of probate?
24. Is having access to your Life Insurance benefits in the event of a serious long term chronic illness important to you? Life Insurance you don’t have to die to use.
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26. Thank You! Please complete an interest card and return it to me before leaving.
<Legal Disclaimer: This consumer presentation is part of AGLA's approved &quot;Leaving a Legacy&quot; Seminar Selling package. This presentation, or any other part of this seminar package, cannot be altered in any way without prior consent. Questions about this seminar package can be referred to AGLA's Consumer Solutions Support department.> Hello, and welcome to our seminar today on Leaving a Legacy. I’m (name) with American General Life and Accident Insurance Company. If you would like to know a little more about me, please take a look at the brochure I placed at your seat. It gives you information on my background and qualifications. I’d like to begin by asking you a question…
If you think back to your younger years and the things that were important to you then, how different are they from what’s important to you now? <If you get responses, briefly discuss how most people’s focus changes as they age. If someone says, “…the same things are important to me now,” simply acknowledge the comment and move on. The purpose of this question is to lead participants into the next section that covers the three stages of the Financial Life Cycle.> Our focus often changes with time, doesn’t it? In fact, we all tend to go through three distinct phases…
When we were in our 20’s, 30’s and even 40’s, we were mostly focused on accumulating things and savings, and building our lives. We got married, had children. Worked our way up the corporate ladder. Started a small business or joined a family business. Bought our first house and perhaps began making investments. Most people stay in the Accumulation mode until they retire and then, they enter a new phase…
Although most people want to keep accumulating, once they get close to retirement or actually retire, they naturally begin thinking about how to preserve what they’ve accumulated over the years. They want to be sure they can maintain their standard of living, or even live better in retirement than in their working years. They want to preserve what they have and make it last. Then, we all reach the stage where, if there’s anything left, we begin thinking about how to pass it on to the people who are important to us.
We begin considering the best ways to distribute our assets. We look at all the things we’ve accumulated over a lifetime and wonder how to pass them on to others. Often, when people reach the Preservation and Distribution phases of life, they begin to narrow their focus to just the things they feel are important. In my career, I get to work with people from all walks of life. In working with Seniors, I’ve found some common threads in the things that are important to them. These things are probably important to you, too…
Seniors like spending time with their family. They enjoy seeing family at reunions and holidays, or even simply eating dinner together during the week.
Many of today’s Seniors want to maintain good physical health and wellbeing. They do this through regular exercise such as walking, water aerobics, tennis, or through their hobbies and social activities.
It’s also becoming more common for Seniors to work. Some work at a place they enjoy, such as a golf club or a nursery. Some want to serve their community in a meaningful way so they do volunteer work. And some Seniors work simply for the extra income.
Seniors like to travel! Maybe by taking a cruise or going somewhere with a tour group. Some are fortunate enough to have a second home perhaps in the mountains or at the beach.
Most Seniors desire financial security so they can maintain – or improve – their current lifestyle and standard of living. Some have saved for their entire lives so they can live comfortably when they retire…and spend money spoiling their grandchildren!
And, for many Seniors it becomes important to be able to leave a legacy for the people who have meaning in their lives. What exactly do we mean by “leave a legacy?”
Well, many people often think you have to be a Rockefeller or a Walt Disney to leave a legacy. Either have billions of dollars or have made a positive impact on others like creating a Disney World or other lasting business. Yet, we know that you don’t have to do any of those things to be remembered by the people you love. Just about anyone can leave a legacy because…
A legacy is simply something of value that you want to pass on to family, friends or perhaps to a charitable organization. This can include property such as land or structures; family business interests; heirlooms like furniture, silver or antique jewelry; collections of art or other valuable items; or…it can include cash from savings accounts, investments or life insurance proceeds. In any event, when it comes to leaving a legacy, many people search for the most productive and efficient way to pass on what they’ve spent a lifetime accumulating. In many cases, simply having a Will takes care of items like grandma’s silver, or uncle Sam’s coin collection. Yet, when you want to pass on cash, it’s important to protect the money so the maximum amount is distributed to the intended heirs and not eaten up by income taxes and possible probate costs.
Now, imagine with me for a minute that you have $50,000 sitting in a bank account that you plan to pass on to your heirs. Wouldn’t it be great to leave $82,000 to your heirs instead? Plus be able to bypass income taxes and probate costs? While this may sound too good to be true, we have a product solution that can help you increase the value of your cash estate, protect the money from income taxes and other costs, and even provide you additional coverage in the event you suffer a critical, chronic or terminal illness or condition. It’s called AGLA Legacy Plus .
Legacy Plus , from American General Life and Accident, is part of our Quality of Life…Insurance series of products. It’s designed to help you easily and efficiently pass on a portion of your estate to your heirs and provide protection to you while you’re still living. Basically, it’s a single premium life insurance policy you don’t have to die to use. I’d like to show you a short video of how this works, so let’s spend the next few minutes viewing a presentation on how a LegacyPlus policy can help you maximize your estate. The video includes real people talking about real life events. <Show only the “LegacyPlus” portion of the DVD. Once the video is finished, refocus the group by asking the following question.> So, I’m interested in your opinion. What idea or concept from the video caught your attention? <Pause for responses and briefly discuss.> Many people who view this video are amazed that a LegacyPlus policy can increase the cash they can pass on to their heirs as well as provide protection in the event of a critical, chronic, or terminal illness. A LegacyPlus policy can also solve three problems people often face when it’s time to distribute money to heirs.
Those three problems are probate, income taxes and family concerns. Even if you’re not exactly sure how probate works, you’ve probably heard other people say, “…avoid it if you can!” Probate can be a lengthy – and costly – legal process that takes place after someone dies. The person’s estate must be appraised, then debts, taxes and legal fees are paid, and anything remaining in the estate is distributed to heirs. There are also family concerns to consider. What do I mean by that? Some issues could be around the death of a spouse. Will the surviving spouse have enough money to maintain his or her standard of living? What if someone develops a long term chronic condition that requires paying for additional care? Are there children with special needs who will require care upon the death of one or both parents? And, after family concerns are taken care of, will there be any money left to leave a legacy for loved ones? Because life insurance benefits are not subject to income taxes and are not typically involved in probate, a LegacyPlus policy can help you pass a portion of your assets more efficiently to your loved ones. And, because a LegacyPlus policy can provide funds to help cover the added costs of a critical, chronic, or terminal illness, it could mean the difference between getting additional care or having to struggle without it.
So, essentially, a LegacyPlus life insurance policy can provide living benefits...benefits you don’t have to die to use, and it can help take care of your family once you’re gone. What questions do you have at this point? < Answer questions from participants, if any.> One question we need to address is, “What if I don’t quality for life insurance through LegacyPlus…then what?”.
We know that, for various health or occupation reasons, not everyone can qualify for life insurance. For those of you who have these concerns, we also offer another solution that can accomplish many of the same goals as the Legacy Plus life insurance product…an AGLA Single Premium Deferred Annuity.
Let’s go back to the video presentation and watch a short segment on an AGLA Annuity to see how it can also help you leave a legacy. <Show the AGLA Annuity section of the DVD. When it is finished, ask the group the following question to refocus them on your presentation.> How many of you have ever thought of using an annuity to leave a legacy for your loved ones? <Address comments as appropriate,>
Most people usually think of an annuity simply as a way to create a guaranteed income they can’t outlive. While that’s an excellent use of an annuity, as you saw in the video, you can also use an annuity to pass assets on to loved ones without the hassles and costs of probate. And, with an AGLA Annuity, you can grow your money – tax deferred – at competitive interest rates! So, with AGLA, you have some great options that can help you leave a legacy…
Our Legacy Plus life insurance product helps you easily distribute a portion of your assets, maximize your money by providing a death benefit amount significantly higher than your single premium payment, provide living benefits in case you develop a critical, chronic or terminal illness, and provides a guaranteed death benefit that will be paid to your heirs – avoiding probate costs and income taxes – upon your death. An AGLA Annuity can also help you easily distribute assets, provide a guaranteed income you can’t outlive, and grow your money through tax deferral and competitive interest rates. So, how do you know if an AGLA Legacy Plus life insurance policy or an AGLA Annuity is a good option for you? It all depends on how you answer these questions…
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<Read Slide> If you’ve answered “yes” to any of these questions, then I hope you will allow me to meet with you and talk further to see if an AGLA LegacyPlus life insurance policy or an AGLA Annuity would be right for you. And, we can meet with confidence because I represent a company with a strong foundation and a long term commitment to its customers.
American General Life and Accident Insurance Company has been around for more than 100 years and provides life insurance, supplemental health insurance, and annuity products to over 3 million customers. As a company, we are changing the way Americans think about, purchase and use life insurance by delivering superior products and services that are focused on the needs of today’s American consumers.
I know your time is valuable and I hope you have found value in our seminar today on Leaving a Legacy. Before we close the seminar, I would appreciate you taking just a moment to fill our this Interest Card. The Interest Card has space for your information at the top and asks a few questions about our seminar today. It also has a place at the bottom for you to fill out if you would like to meet with me to talk about what you learned today, or any other question you may have about life insurance, annuities or other products and services I offer. The information you put on this card will be held confidential. <Distribute the Interest Cards to the group.> Again, I’d like to thank everyone for coming out today. I hope to have the opportunity to meet individually with each of you to see how American General Life and Accident can help you leave a lasting legacy!