Download or read book The Hidden Value in Your Life Insurance written by Darwin M. Bayston and published by Abbott Press. This book was released on 2016-06-21 with total page 70 pages. Available in PDF, EPUB and Kindle. Book excerpt: Thirty-three percent of Americans have no retirement savings or pension, according to the Federal Reserve. No wonder so many of us are nervous about our ability to retire. Fortunately, there is an asset that many American seniors have at their fingertips that they can use to fund their retirements. Most of them dont even realize it. Darwin M. Bayston, a chartered financial analyst, and Daryn N. Teague, a public relations consultant who works with providers of legal and financial services, created this simple consumer guide to help people unlock the hidden value in their life insurance policies. Learn how to: find out the things that insurance companies dont want you to know; improve your quality of life in retirement; eliminate what could be an unnecessary expense; and reduce stress by gaining peace of mind about retirement. Some life insurance companies actually prohibit the agent who sold you a policy from telling you about the strategies revealed in this guide. Find out about all of the options at your disposal by learning about The Hidden Value in Your Life Insurance.
Download or read book Information for Retirees about the Federal Employees Group Life Insurance Program written by United States. Office of Personnel Management. Retirement and Insurance Group and published by . This book was released on 1992 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Federal Employees Group Life Insurance Program written by United States. Office of Personnel Management. Retirement and Insurance Service and published by . This book was released on 1997 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Look Before You LIRP written by David McKnight and published by . This book was released on 2016-06-11 with total page 102 pages. Available in PDF, EPUB and Kindle. Book excerpt: In his bestselling book The Power of Zero, David McKnight laid out a step-by-step plan on how to get to the 0% tax bracket in retirement. Why is the 0% tax bracket so important? Because if tax rates double, as some experts predict, two times zero is still zero! He also showed how, in many cases, it's impossible to get to the 0% tax bracket without using a Life Insurance Retirement Plan (LIRP).In this follow-up book, Look Before Your LIRP, he makes the case that, while a variety of LIRPs may help get you to the 0% tax bracket, not all will do so with the same efficiency or effectiveness. In fact, finding the right LIRP for your tax-free retirement plan can be just like finding the ideal spouse. Just as you likely had a list of qualities you were looking for in a life-long partner, you should have certain attributes and provisions in mind when looking for the ideal LIRP. Look Before Your LIRP spells out exactly what you'll need to build a successful LIRP relationship and reveals the one LIRP best suited to get you to the 0% tax bracket.
Download or read book Retirement Life Insurance written by Steve Heller and published by Walter de Gruyter GmbH & Co KG. This book was released on 2017-11-07 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Do your clients have any idea of what they can/should spend in retirement? Do they know what they need to do to optimize their retirement spending? How can you protect a spouse from the drop in social security if a client dies early? Why is it likely that buying insurance or buying a fixed annuity can dramatically increase the level of your client’s spending—even if your customer is already retired? What if you could show your client exactly what the impact would be and at what level they would need to buy to achieve a certain level of spending? How can buying a fixed annuity be a hedge against term life expiration and what level is required? When should your client start taking social security? What can your client spend now and how much can that improve if they purchase insurance or an annuity from you? All these questions and more are answered in this book and in the free software that accompanies this book. The software, though more complex than most end users would care to learn, offers you the opportunity to load in customer financial data and give them results that will calculate various options. The amazing and counter-intuitive part is that it is highly likely that most individuals can see their monthly spending capability go up dramatically by buying insurance and/or buying a fixed annuity and the software enables you to zero in on the desired level. Even though life insurance is an old, established financial product, and annuities are even older, there is one enormous market that has been overlooked: the market for additional retirement funds for a surviving spouse and replacement of Social Security payments that are lost after the death of a spouse. This book explains how to address this market, and includes instructions and a license for software that illustrates how insurance and annuities can increase sustainable spending in retirement. Most people have no idea how much they can really spend in retirement. Many are living frugal lives spending their social security while "saving for a rainy day". They buy life insurance in batches of tens thousands of dollars because it sounds good or what they think they can afford. Almost no one would believe that buying "expensive" life insurance after age 60 actually can free them to spend MUCH more on a monthly basis. Furthermore, no one is looking at an optimum return on the investment based on a certain level of potential spending. Until now. This book, and the accompanying software enable you, the life agent, to input the customer data and come up with a plan for your customer and provide proof that the plan will work for them. The book explains what goes into making these calculations, why they work the way they do and gives various case studies that quite often show that buying term insurance or buying an annuity after retirement can be great investments for them. We think your customers will be convinced. There are detailed instructions as to use of the software (at www.steveheller.org/rhino) that accompanies the book with built in case studies that you can use. But even more importantly, you can input a customer’s data and provide them with options and actually show them the benefits or give them the solutions that they would otherwise not know exist. These solutions will be invaluable to your business and offer you a distinct advantage over competition that are not selling in this manner.
Download or read book Information for Retirees and Their Families written by United States. Office of Personnel Management. Retirement and Insurance Service and published by . This book was released on 2000 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Power of Zero Revised and Updated written by David McKnight and published by Crown Currency. This book was released on 2018-09-04 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt: OVER 300,000 COPIES IN PRINT, WITH A NEW CHAPTER ON THE 2018 TAX CUTS. There's a massive freight train bearing down on the average American investor, and it's coming in the form of higher taxes. The United States Government has made trillions of dollars in unfunded promises for programs like Social Security and Medicare—and the only way to deliver on these promises is to raise taxes. Some experts have even suggested that tax rates will need to double, just to keep our country solvent. Unfortunately, if you're like most Americans, you've saved the majority of your retirement assets in tax-deferred vehicles like 401(k)s and IRAs. If tax rates go up, how much of your hard-earned money will you really get to keep? In The Power of Zero, McKnight provides a concise, step-by-step roadmap on how to get to the 0% tax bracket by the time you retire, effectively eliminating tax rate risk from your retirement picture. Now, in this expanded edition, McKnight has updated the book with a new chapter on the 2017 Tax Cuts and Jobs Act, showing readers how to navigate the new tax law, and how they can extend the life of their retirement savings by taking advantage of it now. The day of reckoning is fast approaching. Are you ready to do what it takes to experience the power of zero?
Download or read book Information for Retirees and Their Families written by and published by . This book was released on 2004 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Personal Insurance written by G. Victor Hallman and published by American Institute for Cpcu. This book was released on 1994 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Retirement Life Insurance written by Steve Heller and published by . This book was released on 2017 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book ACLI Life Insurance Fact Book written by and published by . This book was released on 1999 with total page 248 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Life Insurance Answer Book written by Gary S. Lesser and published by . This book was released on 2002 with total page 1650 pages. Available in PDF, EPUB and Kindle. Book excerpt: You willl find the answer to every question that may arise regarding life insurance and how it relates to qualified plans and estate planning in Life Insurance Answer Book . This easy-to-use resource guides you expertly through all aspects of life insurance from design and structure to implementation and administration. Rules and regulations are also clearly outlined to ensure that you're complying with the applicable federal and state requirements. More than 1000 questions are thoroughly explained, covering such topics as: Legal requirements of insurance Life insurance as it relates to qualified plans Fiduciary responsibilities of employers, trustees, and administrators Regulations governing insurance contracts Department of Labor and IRS disclosure and reporting guidelines Records retention Life insurance as it relates to estate planning and other benefits and more!
Download or read book Life Insurance Fact Book written by and published by . This book was released on 1990 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Improved Life Insurance Benefits written by United States. Congress. House. Committee on Post Office and Civil Service. Subcommittee on Retirement, Insurance, and Health Benefits and published by . This book was released on 1967 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Improved Life Insurance Benefits Hearings Before the Subcommittee on Retirement Insurance and Health Benefits 90 1 on H R 464 May 1 2 1967 written by United States. Congress. House. Committee on Post Office and Civil Service. Subcommittee on Retirement, Insurance and Health Benefits and published by . This book was released on 1967 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Handbook for Attorneys on Court ordered Retirement Health Benefits and Life Insurance Under the Civil Service Retirement System Federal Employees Retirement System Federal Employees Health Benefits Program Federal Employees Group Life Insurance Program written by and published by Office of Personnel Management. This book was released on 1995 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: One computer diskette (3 1/2 in.) in pocket.
Download or read book Value of Federal Employees Life Insurance After Retirement written by United States. Congress. House. Committee on Post Office and Civil Service. Subcommittee on Retirement and Employee Benefits and published by . This book was released on 1975 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt:
