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INTRODUCTION TO LIFE INSURANCE
HOW TO ESTIMATE THE INSURANCE NEED
44 other sections not shown
A.M. Best accumulation additional after-tax altemative annual exclusion annuity assets assumed beneﬁciary buy-sell buy-sell agreement cash value client Code section company’s corporation cost coverage death beneﬁt deﬁnition dividends eamings employee’s estate tax expenses face amount ﬁnance ﬁnancial ﬁrm ﬁrst ﬁxed ﬂexibility fund gift tax group term guaranteed incidents of ownership income tax increase inﬂation insurable interest insurance company insurance contract insurance policy insurance proceeds interest rate investment IRC Sec IRC Section irrevocable trust issue key employee marital deduction ment method nonqualiﬁed option paid-up pay premiums payable payout percent period person Planners policy loan policy’s policyowner policyowner’s premium payments premiums paid purchase rabbi trust rate of retum received rider risk rule shareholder signiﬁcant single premium speciﬁed split dollar spouse’s sufﬁcient surviving spouse tax free taxable term insurance term life insurance tion transfer for value typically whole life insurance