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Common life insurance questions
Frequently Asked Questions
Who is life insurance for?
If you have loved ones who depend on you for support — financial or otherwise — buying life insurance is one of the best ways to help ensure they’re provided for. Life insurance can also help people in other situations, like high net-worth individuals looking to transfer assets more easily without incurring added estate taxes.10
Which Life Insurance Is Best For Seniors?
Most life insurance companies issue up to age 89. After that, depending on the premium rates will determine the best policy for you. However, for clients over the age of 55, we always recommend permanent life insurance due to the fact that it never expires and is easer to qualify for.
Which Life Insurance Has A Cash Value?
Permanent life insurance, such as Whole Life and Universal Life, can provide cash value, but term life insurance typically does not. You can also take out a policy loan.
Term life insurance with Return of Premium (money-back guarantee) is the closest you will get to having cash value in a term policy.
Is Life Insurance Taxable?
Proceeds from a life insurance application to a beneficiary are tax-free. Loans against a life insurance policy can be tax-free. Withdrawals from the life insurance policy’s cash value are subject to taxes.
At What Age Should You Buy Life Insurance?
The younger, the better. Typically between 20 years old and 35 years old are ideal insured ages. Insurance increases in cost the older the insured person gets.
If you become a parent, purchase life insurance immediately, making your life premiums are cheaper the younger you are.
Can Life Insurance Be Canceled At Any Time?
Yes, but you will lose the death benefit and sometimes the premium payments you’ve contributed.
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