Term Life Insurance: Hints, Tips, and SuggestionsTerm Life Insurance Guide |
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People from all walks of life, income levels, single and married, buy life insurance. It is such an essential part of financial planning that Congress has accorded life insurance a special tax status. There is no federal or state income tax on death benefits and the increase in cash value in a whole life policy accumulates on a tax-deferred basis. More than 8 in 10 families in the United States have some form of life insurance coverage today. Most people who own life insurance are family breadwinners who want to make sure that in the event they die, the future financial needs of dependents, such as a spouse, children or elderly parents, are met. However, people also purchase life insurance to build up cash reserves for a future event, such as retirement, paying college tuition or estate taxes.
The links here, especially those on the left, should be of help to you.
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