Income Protection Insurance comparisons from Income Protection Direct. Best quotes on Income Protection Insurance Australia wide & save 20%.Vist Us www.incomeprotectiondirect.com.au/
Income Protection Insurance comparisons from Income Protection Direct. Best quotes on Income Protection Insurance Australia wide & save 20%.Vist Us www.incomeprotectiondirect.com.au/
With more people in America living longer, the demand for long-term care is expected to rise dramatically in the coming years. Here are some key facts on a little-known aspect of End-of-Life planning.
It may be difficult to face the fact that your health may decline, but statistics suggest that approximately 70% of people will need long term care services at some point after age 65. This presentation advises on proactive long term care planning, including types of long term care, managing the cost of long term care, and long term care insurance options.
Long-term care is a growing concern among seniors and Baby Boomers alike. Yet few take the first step to planning for their care. Many don't know where to begin. Use our presentation to understand what LTC insurance covers and learn about alternate strategies to protect your assets, your family and your finances as you age.
LTC Insurance Rate Increases - What You Need to KnowLTCI Partners
LTC Insurance has been a popular product among baby boomers and they plan for possible extended health care costs. However, there have been some premium increases on current products. This presentation explains why it happened and what people can do about it.
Here\'s a quick step by step overview of Income Protection. Contact me for more information or a meeting. It\'s my pleasure to help you answer your questions.
How many people in this room expect to need long-term care one day? It’s not surprising that few of us do, because it’s hard to face the fact that our health might decline. But statistics suggest that the risk is greater than we think. Approximately 70% of us--that’s 7 out of every 10 people here today--will need some type of long-term care services during our lifetimes at some point after we reach age 65. And though it's good news that people are living longer, a long life span increases the chance of developing serious health problems. In fact, according to the Alzheimer’s Association, one in nine people age 65 and older has Alzheimer’s disease, which often leads to the need for nursing home care. And while older people are more likely to need long-term care, younger people may need care too, as a result of a disabling accident or illness such as multiple sclerosis or Parkinson’s disease.
This isn’t meant to scare you, but rather to remind you that the need for long-term care can happen to anyone at any time. The need to be prepared is real, and something that you shouldn’t ignore.
Social Security, Medicare and your RetirementBlain Bogar
This seminar will explain how Social Security and Medicare work, what is being done to ensure their survival, and how you can help clients and prospects plan for their retirement and medical care so that they do not have to rely heavily on either program.
With more people in America living longer, the demand for long-term care is expected to rise dramatically in the coming years. Here are some key facts on a little-known aspect of End-of-Life planning.
It may be difficult to face the fact that your health may decline, but statistics suggest that approximately 70% of people will need long term care services at some point after age 65. This presentation advises on proactive long term care planning, including types of long term care, managing the cost of long term care, and long term care insurance options.
Long-term care is a growing concern among seniors and Baby Boomers alike. Yet few take the first step to planning for their care. Many don't know where to begin. Use our presentation to understand what LTC insurance covers and learn about alternate strategies to protect your assets, your family and your finances as you age.
LTC Insurance Rate Increases - What You Need to KnowLTCI Partners
LTC Insurance has been a popular product among baby boomers and they plan for possible extended health care costs. However, there have been some premium increases on current products. This presentation explains why it happened and what people can do about it.
Here\'s a quick step by step overview of Income Protection. Contact me for more information or a meeting. It\'s my pleasure to help you answer your questions.
How many people in this room expect to need long-term care one day? It’s not surprising that few of us do, because it’s hard to face the fact that our health might decline. But statistics suggest that the risk is greater than we think. Approximately 70% of us--that’s 7 out of every 10 people here today--will need some type of long-term care services during our lifetimes at some point after we reach age 65. And though it's good news that people are living longer, a long life span increases the chance of developing serious health problems. In fact, according to the Alzheimer’s Association, one in nine people age 65 and older has Alzheimer’s disease, which often leads to the need for nursing home care. And while older people are more likely to need long-term care, younger people may need care too, as a result of a disabling accident or illness such as multiple sclerosis or Parkinson’s disease.
This isn’t meant to scare you, but rather to remind you that the need for long-term care can happen to anyone at any time. The need to be prepared is real, and something that you shouldn’t ignore.
Social Security, Medicare and your RetirementBlain Bogar
This seminar will explain how Social Security and Medicare work, what is being done to ensure their survival, and how you can help clients and prospects plan for their retirement and medical care so that they do not have to rely heavily on either program.
Be sure you’re traveling in the right direction. From financial concerns to sound solutions, let’s talk about the challenges you face as you navigate the road toward retirement.
Life insurance: What PFMP Staff and Military Families Need to Knowmilfamln
Given the hazards of military service, especially deployment to a combat zone, life insurance is an important financial risk reduction tool for many military families. Yet, studies have found that life insurance is not well understood by consumers in general. Many people do not purchase an appropriate amount or type of coverage. This webinar will begin with a basic overview of life insurance including its purpose, types of policies, how to calculate a family's life insurance need, and life insurance resources. It will conclude with a discussion of military life insurance programs such as SGLI and VGLI. Join this session 12/10 at 11 a.m. ET. More information: https://learn.extension.org/events/1304
Is planning for Long Term Care something that you have been putting off? Maybe never crossed your mind? Take a few minutes to look at "Long Term Care Planning 101" and learn about the three and only three ways to pay for care.
Is Your Retirement At Risk In Today's Economy?Neal Mandelbaum
If you are seeking guaranteed, predictable income that you cannot outlive with the flexibility to start and stop your payments, then Income For Life may be right for you.
The Tax Diversify Your Retirement Income with Life Insurance sales presentation will help you understand the importance of tax diversification and the benefits that a Custom Whole Life (CWL) policy can provide. In addition to the traditional benefit of death benefit protection, the cash value of the CWL policy accumulates tax-deferred and can generally be accessed on a tax-free basis*.
Use the concept presentation and other materials to discuss how life insurance not only provides death benefit protection, but can also be a tax diversification tool.
Contact me if you would like to discuss
*The cash value is accessed through policy loans, which accrue interest at the current rate, and cash withdrawals. Loans and withdrawals will decrease the total death benefit and total cash value. The supplemental retirement income is not guaranteed.
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
2. Planning for retirement
• How prepared are most Americans?
• What benefits are really there?
• Dealing with financial setbacks from 2008/09
– Biggest financial worry among 55+ population is
being able to afford uninsured medical expenses
during retirement
• Greater than outliving one’s money, lack of
personal savings, or lack of Social Security
Source: Retirement at the Tipping Point survey,
Age Wave, 2009.
3. Defining the terms
• Benefit Triggers
– how to qualify for LTC claims
• Non-qualified
– premium from after-tax sources (e.g.,CDs, savings,
etc)
• Tax deferred
– taxes are not paid until funds are withdrawn
• Tax-qualified
– LTC coverage meeting federal standards to receive
tax benefits
4. Planning for retirement
• What assets do you own for retirement?
– CDs?
– Stocks?
– IRA?
– Pension?
– Social Security?
5. Annuities
• Financial tool for people planning for retirement
• Why people buy them:
– Accumulate tax-deferred interest
– Availability of guaranteed lifetime income
– Proceeds can pass to beneficiaries free of probate
Any withdrawals that are considered investment
gains are taxed as ordinary income. Withdrawals or
distributions made prior to age 59 1/2 may be subject
to a 10 percent income tax penalty.
6. Annuities
• According to 2005 Gallop survey of
Non-Qualified Annuity owners:
– 81 % intend to use their annuity as a financial
resource to avoid being a financial burden on their
children
– 74% intend to use their annuity as an emergency
fund in the case of a catastrophic illness or for
nursing home care
– You may be among them
7. Annuities
• If you aren’t…
– Do you have money set aside to cover the
potential risk of unexpected health care risks?
8. Benefits of planning
• Two-fold relief
– Emotional
• The worry and burden on families
• Maintain control of choices
– Financial
• Protect finances from erosion
• Alternative to impoverishment
9. Discussion of LTC insurance
• What have you heard?
• Do you have friends or family with
experiences?
• Have you heard of new uses for deferred
annuities to provide protection?
10. Federal Legislation makes positive impact
The Pension Protection Act (PPA), 2006
• Gives more advantages to non-qualified annuity
owners wanting to fund their own LTC coverage
• Only specific types of annuities qualify
11. Annuity tax advantages*
• Qualifying LTC claims paid from the annuity’s cash
value are tax-free as a reduction of cost basis
• Extension of benefit options and riders will be
considered tax-qualified and benefits paid from them are
income tax-free
• Qualified LTC coverage, under section 7702B of
HIPAA, can now be added to annuity contracts.
* Provisions are effective Jan. 1, 2010
(for contracts and/or riders with tax-qualified LTC
coverage)
12. Annuities that won’t qualify
for PPA advantages
• Annuities that don’t benefit from the
PPA:
• Annuities with nursing home or similar
waivers of surrender charges
• Immediate annuities
• Annuities funded by IRAs, 401(k)s, etc.
13. One possible solution for clients
• Annuity Care®
– Uses structure of fixed-interest annuity to provide LTC protection
– Guaranteed minimum interest rate
– Existing asset can be repositioned – no annual premiums required
Annuity Care® is a single premium deferred annuity, medically
underwritten and issued by The State Life Insurance Company,
Indianapolis, Indiana. It may credit additional interest to amounts
withdrawn for qualifying long-term care expenses. Policy Forms:
SA34, R508. Not available in all states.
Not a deposit. Not FDIC insured. Not guaranteed by any bank. Not
insured by any federal government agency.
State Life does not provide tax or legal advice. Please consult with an
attorney or tax advisor.
14. Annuity Care
• Eligible for tax advantaged LTC distributions under PPA
• Other features:
– Earns tax-deferred interest each year
– Provides funds to cover monthly LTC benefits
– Optional lifetime protection with guaranteed premiums
– Benefits available to either or both spouses on one policy
Annuity Care® is a single premium deferred annuity, medically underwritten and issued by
The State Life Insurance Company, Indianapolis, Indiana. It may credit additional interest
to amounts withdrawn for qualifying long-term care expenses.
Policy Forms: SA34, R508. Not available in all states.
Not a deposit. Not FDIC insured. Not guaranteed by any bank. Not insured by any federal
government agency.
State Life does not provide tax or legal advice. Please consult with an attorney or tax
advisor.
15. Annuity Care
• “But what if I never need or use LTC?”
• Win/Win solution
• If you need LTC, money is available on tax-
advantaged basis (effective 1/1/2010)
• If you don’t, the unused benefits pass to your
named beneficiary
16. Start building your plan
• Questions
• Next Steps:
– Discuss options
– Review existing plan
– Take action – own your solution
17. LIFE INSURANCE | RETIREMENT | EMPLOYEE BENEFITS
ONEAMERICA® companies:
AMERICAN UNITED LIFE INSURANCE COMPANY®
AUL REINSURANCE MANAGEMENT SERVICES, LLC
ONEAMERICA SECURITIES, INC.
PIONEER MUTUAL LIFE INSURANCE COMPANY
A stock subsidiary of American United Mutual Insurance Holding Company
R.E. MOULTON, INC.
THE STATE LIFE INSURANCE COMPANY
Editor's Notes
Most people are not planning accordingly to retire at the same level of living that they currently maintain New survey indicates that the biggest concern among those 55+ is not being able to afford their medical expenses in retirement that aren’t covered by insurance
Terms one should know when discussing
What are your intended sources of retirement income? Do you have an emergency fun set aside for unexpected expenses such as long-term care?
Benefits of annuities and their function
Statistics on annuities from a 2005 Gallop survey of Non-Qualified Annuity Owners.
Ask the question above, then: Most people have an idea in their mind of what money or asset they would use to cover the costs of unexpected health care risks. If you don’t, you may need to consider what investments you have that would be an appropriate vehicle to cover those risks.
Benefits of planning cover both the emotional and financial worries that one faces when considering their exposure to long-term care.
This is a key point to ask your audience if they have any experiences or heard stories about others that have benefited (or could have benefited) from a long-term care plan.
Pension Protection Act’s tax advantages for certain annuities
There are certain annuities that do not fall under the structure that the PPA has outlined for the tax advantages.
Annuity Care does benefit from the advantages of the PPA and is appealing to clients for a number of reasons.
Features of Annuity Care.
Some people can’t justify the cost of planning for LTC if they never need it – like other types of insurance premiums, you use it or lose it. That isn’t the case with Annuity Care.