TAILIEUCHUNG - What You should Know: About Buying Life Insurance

You may also have made a gain that is only taxable when your policy ends. This is because in each insurance year you can withdraw up to 5 per cent of the premium paid into a single premium policy without a gain happening in that year . The 5 per cent includes regular pay-outs or withdrawals. If, for example, you do not make any withdrawals in an insurance year , the full amount of the 5 per cent ‘annual allowance’ is carried forward. This means that in the second insurance year , if you have not made a withdrawal in the first insurance year , you can. | ẾkCLĩ Financial Security. For Life. Life insurance protects your financial future. It provides the resources your family or business may need to pay immediate and continuing expenses when you die. WHAT YOU SHOULD KNOW About Buying Life Insurance There are different types of life insurance and choosing a policy is an important decision. You should begin by evaluating the ongoing and future financial needs of those who depend on you. Then become familiar with the various policies available and how they work. You ll be in a better position to make a selection best suited to your financial needs and those of your family. The American Council of Life Insurers ACLI has prepared this guide to help you understand the types of life insurance available and what questions to ask when you re buying life insurance. AMERICAN COUNCIL OF LIFE INSURERS I PROTECTION. SAVINGS. GUARANTEES. 101 Constitution Avenue NW Suite 700 Washington DC 20001-2133 GETTING STARTED As you prepare to buy a life insurance policy evaluate your ongoing and future financial needs and review the products. To begin ask yourself some basic questions Why do I need to buy life insurance If someone depends on you financially the likelihood is that you need life insurance. Life insurance provides cash to your family after you die. The money your beneficiary receives the death benefit can be an important financial resource. It can help cover daily living expenses pay the mortgage and other outstanding loans fund tuition and ensure that your family is not burdened with debt. Having a life insurance policy could mean your spouse or children wouldn t have to sell assets to pay bills or taxes. Another advantage is that beneficiaries won t have to pay federal income taxes on the money they receive. How much life insurance do I need Everyone s needs are different. A life insurance agent or financial advisor can help you determine what level of protection is right for you and your family based on your .

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