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As you started researching life insurance, you will probably come up with countless questions on how this product really works. You may have come across new words or terms that you have never heard before. Starting at the most basic form, this article attempts to explain some of the basic works of life insurance and how it fits into your life. These are some of the most common questions people ask. Once you understand the basics, all the rest will fall into place.
1. What exactly is life insurance?
Life insurance is a contract that pays a pre-determined amount to the beneficiary (someone that you specify in the contract) that is listed by the insured in the event of the insured's death. In other words, it is a contract between you and the insurance company where the insurance company promises to pay money to the person (family, loved one) you designate to receive the money if you die. The contract also says that you must make payments in order to keep the life insurance in force. These payments are called "premiums" in the insurance world. Almost every insurance company out there gives the option of paying monthly, quarterly, semi-annually, and annually.
2. Why should I purchase life insurance?
Life insurance can be used for a variety of reasons. The most common use for life insurance is to provide for lost income in the event the breadwinner dies. It will pay money to your family when you pass away so that your family can keep up their standard of living and not have to worry about bills when they are grieving. The money received, called a death benefit, can provide financial security to your family. Some people like to think of life insurance as "peace of mind" insurance. To know that your family will be taken care of if you are not there is priceless.
3. What is a beneficiary?
A beneficiary is the individual that your death benefit is paid to in the event of your death. The beneficiary is chosen when you first apply for the insurance. You may choose a spouse, child, friend, or domestic partner as the individual. You can choose to have the beneficiaries split up into percentages as well. For example 50% can go to a spouse and the other 50% to your children.
It is important to note that there are primary beneficiaries and contingent beneficiaries. The primary beneficiary is the first person in line to receive the money when you pass away. What is the primary beneficiary dies before you? Then it will go to the contingent beneficiary listed on the contract.
Most companies allow you to change beneficiary designations at any time. It is also common practice to name a trust as the beneficiary to alleviate any confusion after you pass.
4. Does my beneficiary have to pay tax on the money they receive?
Life insurance is one of the only financial products available, where the money received by the beneficiary is received income tax free. This is very important to keep in mind when planning how much you will be passing on. Most other monies passed on are taxable.
However it is important to note here that if the value of your estate, when you pass away, is larger than the current exclusion amount for that year, you may have to pay estate taxes. Please don't make these decisions on your own, consult with your tax advisor or someone who specializes in estate planning.
5. How much life insurance should I purchase?
Every single person has different life insurance needs. There is no one size fits all insurance policy. Normally, what I see, is that when the primary wage earner of family purchases insurance, they take into account the amount of money they make per year, times how many years they wish to provide income for their family. Mortgages, credit card debt, school loans and other debt should be taken into account in these calculations. The rising cost of living should also be considered along with decisions on whether you want to ensure you children get a college education. If a spouse is currently pregnat, you may want to consider how much it would be to care for another child for 18 more years.
This is part of the life insurance process that should not be taken lightly. Consult with your insurance agent to get the proper amount. Too much won't hurt, but too little could be devastating.