An intelligent insurance strategy can be a great compliment to the modern financial plan. Insurance may be used to supplement and/or replace income. Insurance may also become a wonderful way to protect your assets.
Whole Life
Permanent Life Insurance
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Level premiums
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Cash accumulation value
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Can act as a tax shelter
indexed life
Permanent Life Insurance
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Potential accumulation tied to stock market index
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Cash accumulation value
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Can act as a tax shelter
keyperson life
Insurance on a Key Employee
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Crucial to a business
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Affordable policies
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Level premiums
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Company pays premium
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Company is the beneficiary
Variable annuity
Variable Income Stream
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Variety of investment choices
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Tax deferred growth
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No upper limit on contributions
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Optional living benefit features at a cost
fixed annuity
Fixed Income Stream
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Guaranteed fixed rate compounded growth
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Income tax deferred
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Can convert to an income stream
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Avoids asset probate
equity indexed
annuity
Guaranteed Growth and Income Stream
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Minimum Interest Guarantee
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Principal Protection
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Capped Market Index participation
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Predictable Earnings
longterm
care insurance
Estate Asset Protection
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Level premiums
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Tax-Free benefits
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Tax Deductible premiums
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Reduce the burden of economic and physical caregiving
disability
insurance
Future Income Protection
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Level premiums
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Protect your income if you become too sick to work
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Help pay mortgage or rent, car payment, and daily expenses
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Fully portable regardless of employer