{"id":4028,"date":"2019-05-01T21:14:00","date_gmt":"2019-05-01T21:14:00","guid":{"rendered":"https:\/\/fusionwm.com\/?p=4028"},"modified":"2022-10-12T21:18:23","modified_gmt":"2022-10-12T21:18:23","slug":"three-questions-to-answer-before-you-purchase-life-insurance","status":"publish","type":"post","link":"https:\/\/fusionwm.com\/three-questions-to-answer-before-you-purchase-life-insurance\/","title":{"rendered":"Three Questions to Answer Before You Purchase Life Insurance"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"374\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.17.15-PM-1024x374.jpg\" alt=\"\" class=\"wp-image-4030\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.17.15-PM-1024x374.jpg 1024w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.17.15-PM-300x110.jpg 300w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.17.15-PM-768x281.jpg 768w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.17.15-PM-1536x562.jpg 1536w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/Screen-Shot-2022-10-12-at-3.17.15-PM.jpg 1838w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:29px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Life insurance can be an extremely important, even essential, part of your financial plan. One of the most attractive aspects of life insurance for many individuals and families is the death benefit of the policy\u2014the money that the insurance company pays out in the event of the insured\u2019s death.<\/p>\n\n\n\n<p>Trouble is, navigating the life insurance landscape can be tricky\u2014and people often make costly mistakes. Three of the biggest we see regularly:<\/p>\n\n\n\n<ul><li>Buying too much\u2014or too little\u2014insurance due to a lack of understanding of their true financial needs<\/li><li>Paying for life insurance using a less-than-ideal method or executing that payment method poorly<\/li><li>Misunderstanding life insurance\u2019s purpose and the reasons for having it by viewing it (incorrectly) as an investment vehicle<\/li><\/ul>\n\n\n\n<p>In order to make smart life insurance decisions, there are three questions you need to ask yourself and answer (see Exhibit 1)\u2014perhaps with the guidance of a high-caliber professional who understands the many ins and outs of life insurance.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"398\" height=\"386\" src=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-90.png\" alt=\"\" class=\"wp-image-4029\" srcset=\"https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-90.png 398w, https:\/\/fusionwm.com\/wp-content\/uploads\/2022\/10\/image-90-300x291.png 300w\" sizes=\"(max-width: 398px) 100vw, 398px\" \/><\/figure><\/div>\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Question #1: Why might I need life insurance?<\/h1>\n\n\n\n<p>Life insurance can be a very versatile tool, capable of replenishing an estate to cover various taxes as well as creating wealth. Nevertheless, there is only one reason to purchase life insurance: You lack the financial resources needed to fill a financial gap if you were to die. That gap might involve:<\/p>\n\n\n\n<ul><li><strong>Family.<\/strong> Consider the people you love, such as your children. You want to ensure they would have a solid financial base (however you define it) if you were to die. Very often the best answer is using life insurance to create an estate for them.<\/li><\/ul>\n\n\n\n<ul><li><strong>Financial obligations.<\/strong> Life insurance proceeds can be used to pay estate taxes, enabling children or other loved ones to keep wealth that would otherwise be paid to the government. Likewise, entrepreneurs regularly use life insurance to fund buy-sell agreements with business partners. This can help ensure their families will be properly taken care of. There are also circumstances in which you might owe a person or an institution and use life insurance as a form of collateral.<\/li><\/ul>\n\n\n\n<ul><li><strong>Charitable impact.<\/strong> Many people want to support worthwhile charitable causes so they can have an impact on the world\u2014or a chunk of it, at least. Life insurance can be used to fulfill their commitments to the philanthropic organizations they support.<\/li><\/ul>\n\n\n\n<p><strong>Important: <\/strong>Be very clear about why you want life insurance. Carefully and critically think through the outcomes you are trying to achieve and the role life insurance might be able to play.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Question #2: How much life insurance do I need?<\/h1>\n\n\n\n<p>Let\u2019s say you determine that life insurance is something you need. It\u2019s then time to turn to the matter of <em>amount.<\/em><\/p>\n\n\n\n<p>The answer to this question is based on your answer to the first question. When you know the purpose of having a death benefit, it is possible to decide just how much life insurance you need to get.<\/p>\n\n\n\n<p><strong>Examples:<\/strong> Say you are looking to create a larger estate to ensure your family would be financially secure if you died. A lot of factors can be considered to come up with an appropriate death benefit. How sophisticated you get depends on you and any advisors you enlist for help. For example, you might create cash flow projections to determine how much money your family would need to pay for specific projected expenses (education, health care, etc.). By including projected investment returns in the calculations, you can arrive at the size of the death benefit your family would require to fund critical financial needs.<\/p>\n\n\n\n<p>Or say you have a business you plan to pass on to your daughter. Although your son has different talents and interests, you still want to leave him an inheritance\u2014and you want things to be \u201cfair\u201d for both. Life insurance can be used to equalize their inheritances. Based on the financial value of the business you will be leaving to your daughter, you can determine how much life insurance you will need in order to leave your son a comparable amount of assets.<\/p>\n\n\n\n<p>The upshot: Ascertaining how much insurance you require is fairly straightforward\u2014but only once you are perfectly clear about why you need life insurance. Therefore, you should buy the amount of life insurance that matches your needs\u2014and no more.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Question #3: How should I pay for my life insurance?<\/h1>\n\n\n\n<p>Once you know how much insurance you need, you can consider various ways to pay the premiums. Basically, there are four approaches to paying premiums:<\/p>\n\n\n\n<ul><li><strong>Pay the premiums out of pocket.<\/strong> The least complicated and most direct way to pay premiums is to write checks for them as the premium notices arrive.<\/li><li><strong>Have a third party pay the premiums.<\/strong> If you are an entrepreneur, your company might be the appropriate entity to pay the premiums. Similarly, grandparents can pay the premiums for their grandchildren. (Note: There are rules that need to be followed to enable third parties to pay life insurance premiums without adverse consequences.)<\/li><li><strong>Borrow the money to pay premiums.<\/strong> This approach is known as premium financing. There are a number of different ways to use loans to pay premiums, but expertise in this area is often a necessity to use loans successfully.<\/li><li><strong>Leverage your retirement plan to pay premiums.<\/strong> Business owners may be able to use funds in a qualified retirement plan to buy life insurance. A nice benefit is that pretax dollars are used to pay premiums.*<\/li><\/ul>\n\n\n\n<p>There are advantages and disadvantages to each approach. Which one works best depends on a wide variety of factors. But the first step is to understand that you do have options to consider\u2014there isn\u2019t simply one method.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h1 class=\"has-text-color wp-block-heading\" style=\"color:#1d49a7\">Being smart about purchasing life insurance<\/h1>\n\n\n\n<p>There\u2019s one more issue that you may have to face when considering life insurance. For the great majority of wealthy and successful people, purchasing life insurance requires the expertise of professionals. At the same time, an all-too-common complaint about life insurance is that it is sold aggressively. Sometimes, that complaint is very justified!<\/p>\n\n\n\n<p>If you can answer the three questions above and explain the logic behind the answers, it is more unlikely that you will end up with life insurance that does not match up well with your needs and wants. There are industry experts who can help you think through the three questions as well as help you put any life insurance in place.<\/p>\n\n\n\n<p><strong>Action step:<\/strong> If you are the least bit unsure about the professionals you are presently working with\u2014or the life insurance you currently have\u2014it is probably a good idea to get a second opinion about your situation. A second opinion review can help you determine whether you are on track with your finances and, if not, steps you can consider taking to get on the right path.<\/p>\n\n\n\n<p>Contact your financial professional to get a second opinion about your life insurance needs and any existing life insurance policies you have in place.<\/p>\n\n\n\n<div style=\"height:33px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>This report was prepared by, and is reprinted with permission from, VFO Inner Circle.&nbsp; AES Nation, LLC is the creator and publisher of VFO Inner Circle reports.<\/p>\n\n\n\n<p>Disclosure: The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra IS or Kestra AS. The material is for informational purposes only. It represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. It is not guaranteed by Kestra IS or Kestra AS for accuracy, does not purport to be complete and is not intended to be used as a primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA\/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS.<\/p>\n\n\n\n<p>Fusion Wealth Management is not affiliated with Kestra IS or Kestra AS. <a href=\"https:\/\/www.kestrafinancial.com\/disclosures\" target=\"_blank\" rel=\"noreferrer noopener\">https:\/\/www.kestrafinancial.com\/disclosures<\/a><\/p>\n\n\n\n<p>VFO Inner Circle Special Report<br>By Russ Alan Prince and John J. Bowen Jr.<br>\u00a9 Copyright 2021 by AES Nation, LLC. All rights reserved.<\/p>\n\n\n\n<p>No part of this publication may be reproduced or retransmitted in any form or by any means, includ- ing, but not limited to, electronic, mechanical, photocopying, recording or any information storage retrieval system, without the prior written permission of the publisher. Unauthorized copying may subject violators to criminal penalties as well as liabilities for substantial monetary damages up to $100,000 per infringement, costs and attorneys\u2019 fees.<\/p>\n\n\n\n<p>This publication should not be utilized as a substitute for professional advice in specific situations. If legal, medical, accounting, financial, consulting, coaching or other professional advice is required, the services of the appropriate professional should be sought. Neither the authors nor the publisher may be held liable in any way for any interpretation or use of the information in this publication.<\/p>\n\n\n\n<p>The authors will make recommendations for solutions for you to explore that are not our own. Any recommendation is always based on the authors\u2019 research and experience.<\/p>\n\n\n\n<p>The information contained herein is accurate to the best of the publisher\u2019s and authors\u2019 knowledge; however, the publisher and authors can accept no responsibility for the accuracy or completeness of such information or for loss or damage caused by any use thereof.<\/p>\n\n\n\n<p>Unless otherwise noted, the source for all data cited regarding financial advisors in this report is CEG Worldwide, LLC. The source for all data cited regarding business owners and other professionals is AES Nation, LLC.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Life insurance can be an extremely important, even essential, part of your financial plan. One of the most attractive aspects of life insurance for many individuals and families is the death benefit of the policy\u2014the money that the insurance company pays out in the event of the insured\u2019s death. Trouble is, navigating the life insurance [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":4031,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Three Questions to Answer Before You Purchase Life Insurance - Fusion Wealth Management<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fusionwm.com\/three-questions-to-answer-before-you-purchase-life-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Three Questions to Answer Before You Purchase Life Insurance - Fusion Wealth Management\" \/>\n<meta property=\"og:description\" content=\"Life insurance can be an extremely important, even essential, part of your financial plan. 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