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In addition to the death benefit, life insurance loans can help provide financial flexibility
The impact of taking a life insurance loan Over time, taking a life insurance loan has a significant impact on your policy. Remember that: A policy loan reduces the death benefit and the cash surrender value of your policy. The cash surrender value is the amount you receive if you cancel your permanent life insurance policy. Insurance deductions continue. You need to make sure theres enough cash surrender value left in your policy to
Benefits of taking a loan against your insurance policy A life insurance loan provides access to the cash surrender value you have built up, income tax-free1. In addition, benefits of a life insurance loan include: Guaranteed approval if you have enough cash surrender value. You can use the borrowed money for any purpose, for example to buy a new car, remodel your home, or fund educational expenses. Competitive loan interest
When you can take a loan Loans are available at any time after the first policy year (and may be available earlier if there is sufficient cash surrender value). However, it can take many years to build up significant cash surrender value in a permanent life insurance policy. In the early years of the policy, there may be little value, if any, to borrow against. The cash surrender value of your policy is lower than the death benefit its the
Loan types and rates Depending on the type of permanent life insurance, you can choose between different loan types, each with different types of interest rates. Some loan types offer a fixed rate, other loan types charge a rate that varies based on an external economic index. Indexed Universal Life (IUL) insurance policies offer participating loan options where your loan collateral remains in one or more index crediting strategies (as
Whether you are a public, private or charter school, our retirement solutions are designed to help make plan administration easier while preparing teachers for a sound and secure future. Our strategies keep in mind that educators work hard to develop future leaders of tomorrow; so, we take pride in helping them plan for the retirement they envision and deserve. That commitment is demonstrated through our LifeChanger of the Year program where we
We specialize in qualified, non-ERISA retirement plans. We provide retirement solutions for: 403(b) Plans 403(b) plans allow your employees to save money for retirement with tax benefits. 457(b) Plans Like 401(k) contribution limits are not coordinated with 403(b) and 401(k) plans; therefore allowing employees to save more. 3121 FICA Alternative Plans These plans give their
We partner with some of the best independent advisors across the country. Our advisors are trained on the rules and regulations of the industry and taught to apply them to individual situations. Certified Through our Certified 403(b)/457 Training Program we ensure that anyone working with your employees is qualified. 403(b)/457 Certified Advisors representing National Life Group and Life Insurance Company of the Southwest, go through the
Indexed annuities do not directly participate in any stock or equity investments. Most indexed annuities permit owners to participate in only a stated percentage of an increase in an index, and also impose a cap rate that represents the maximum annual account value percentage increase allowed to contract owners. An investment cannot be made directly into an index. Offers Interest is based on changes in a major index such as the S"
These materials have been developed to help you effectively discuss the options available for Key Person. Key Person Flyer Cat. 104787 Multi Life Key Person Flyer Cat. 103332