此时此刻人寿大发888dafa的4个好处

You've shopped around for whole life insurance and have found a policy that yields the best benefits for your family; it covers everything from your funeral preparations to aiding in supporting them for years to come. 然而, you may not be aware that there are some ways you can reap the benefits of your life insurance policy during your life as well.

You don't have to only consider end-of-life benefits when choosing your life insurance policy. Here are four ways you can utilize the quality advantages of your life insurance policy during your lifetime to benefit your family and help you prepare for the next stage in your life.

1. 尽量减少退休后的税收

A whole life insurance plan can be used as a tax-free form of cash flow during retirement. 作为投保人, you can utilize your life insurance in a way that's similar to how you use a personal pension: you can make tax-free withdrawals during retirement. 以这种方式, your life insurance policy operates like a retirement savings account, as you can use it to generate cash flow during retirement.¹

Keep in mind that article is for informational purposes only and is not a replacement for real-life advice, 所以一定要咨询你的税务, 法律, and accounting professionals before modifying your tax strategy.

2. 用它来支付孩子的大学学费

Your whole life insurance policy could benefit the next generations of your family sooner than you think. 潜在的, your life insurance policy could yield a better rate on a loan for your child's (or your own) education than an actual student loan. What's more, when it comes to paying back the interest, the money goes right back into your policy.

另外, your life insurance can also cover your student loans should any debt exist in your estate. In such a case, your life insurance coverage can cover the tax placed upon your debt.

3. 探索生活福利

当意外事件发生时, your life insurance policy can function as additional cash flow support through living benefits. That is, a portion of the death benefit can be used when certain situations arise during your life. 有了这样的安排, the death benefit is not entirely used during your life, but you can still rely on the added financial support of life insurance benefits during your life.

Living benefits can provide financial assistance in the form of chronic illness benefits, which can provide aid to cover support for various activities, 比如穿衣和吃饭. Terminal illness benefits are also available through your life insurance policy, 这需要医生的证明. For those with a life expectancy of less than 12 months, their life insurance policy can provide financial support for medical care through living benefits.

4. 如果你的保单过期了，就卖掉它

Believe it or not, outliving your life insurance policy is a possibility. 如果这是你的情况, when your policy term ends (and if you have never made a claim), your insurance company could return the premiums you have contributed toward your policy. (If you have whole life insurance, always check the specifics of your individual policy.)一旦你收到保费, 你可以根据自己的需要使用它们, and this might include investing the funds or saving them.

Outliving your life insurance could be considered one of the more unexpected benefits of your policy. 投保人可以选择继续投保, 将资金存入免税储蓄账户, 或者用保单来贷款. Depending on your financial needs when your term ends, the opportunity to receive a payout from your life insurance policy is another way to benefit from your policy during your life.

1. 国税局.政府,2022

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or 法律 advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.