{"id":2632,"date":"2011-11-16T22:16:54","date_gmt":"2011-11-17T04:16:54","guid":{"rendered":"http:\/\/www.tillmanallen.com\/insurance-brentwood-tn\/ulead\/?page_id=2632"},"modified":"2011-11-16T22:16:54","modified_gmt":"2011-11-17T04:16:54","slug":"life-insurance-tips","status":"publish","type":"page","link":"https:\/\/www.tillmanallen.com\/insurance-brentwood-tn\/insurance\/knowledge-center\/life-insurance-tips\/","title":{"rendered":"Life Insurance Tips"},"content":{"rendered":"<link rel=\"stylesheet\" href=\"https:\/\/www.agencyinfo.net\/__ivai\/__ivai_page_styles.css\">\n<p><script>\nfunction ivaiTab(btn, panelId) {\n  document.querySelectorAll('.ivx9-tab-btn').forEach(function(b){b.classList.remove('active');});\n  document.querySelectorAll('.ivx9-tab-panel').forEach(function(p){p.classList.remove('active');});\n  btn.classList.add('active');\n  document.getElementById(panelId).classList.add('active');\n}\n<\/script><\/p>\n<div class=\"ivx9\">\n<div class=\"ivx9-note ivx9-note-amber\" data-a=\"1\">\n<p><strong>DISCLAIMER:<\/strong> Statements on this website provide general information only as it relates to policies and coverages. All coverages are subject to the terms, conditions and exclusions of the actual policy issued \u2014 contact one of our licensed agents for questions regarding your specific needs and policy.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tabs\" data-a=\"2\">\n    <button class=\"ivx9-tab-btn active\" onclick=\"ivaiTab(this,'ltc-basics')\">THE BASICS<\/button><br \/>\n    <button class=\"ivx9-tab-btn\" onclick=\"ivaiTab(this,'ltc-types')\">TYPES OF INSURANCE<\/button><br \/>\n    <button class=\"ivx9-tab-btn\" onclick=\"ivaiTab(this,'ltc-beneficiaries')\">BENEFICIARIES<\/button><br \/>\n    <button class=\"ivx9-tab-btn\" onclick=\"ivaiTab(this,'ltc-policy')\">READING YOUR POLICY<\/button><br \/>\n    <button class=\"ivx9-tab-btn\" onclick=\"ivaiTab(this,'ltc-planning')\">PLANNING CONCERNS<\/button>\n  <\/div>\n<div class=\"ivx9-tab-panel active\" data-a=\"3\" id=\"ltc-basics\">\n<h3>Choosing An Amount<\/h3>\n<p>The solution to \u201chow much life insurance?\u201d begins with a careful review of your financial situation. Two key categories:<\/p>\n<ul>\n<li><strong>Immediate needs<\/strong> \u2014 final expenses, burial costs, estate taxes, unpaid mortgage balance, relocation expenses.<\/li>\n<li><strong>Ongoing needs<\/strong> \u2014 monthly bills, mortgage payments, daycare, education, income replacement, retirement.<\/li>\n<\/ul>\n<div class=\"ivx9-callout\">\n<p>As a general rule of thumb: most people should have life insurance equal to <strong>5\u20137 times their annual gross income<\/strong>.<\/p>\n<\/p><\/div>\n<h3>Choosing The Type<\/h3>\n<p><strong>Term Policies<\/strong> provide coverage for a specified period (10, 15, 20, or 30 years). They generate no cash value but offer the most coverage per premium dollar. Good if you need protection for a finite period.<\/p>\n<p><strong>Cash-Value Insurance<\/strong> combines death benefits with a savings\/accumulation feature. The buyer pays more in early years, but money not needed for the cost of the death benefit accumulates as interest. Cash value can be used as loan collateral. Avoid surrendering cash value policies early \u2014 early surrender penalties may reduce or eliminate the cash value.<\/p>\n<h3>Choosing Beneficiaries<\/h3>\n<p>A <strong>beneficiary<\/strong> is the person or entity named to receive the death benefits. You can name primary, secondary, and final beneficiaries. Always name backup beneficiaries \u2014 if proceeds pass to your estate, they face probate delays and costs instead of reaching your family quickly.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-panel\" data-a=\"4\" id=\"ltc-types\">\n<h3>Types of Life Insurance<\/h3>\n<p>Life insurance comes in two basic forms: <strong>term life<\/strong> and <strong>permanent (cash value) life<\/strong>. Each serves different needs and budgets.<\/p>\n<div class=\"ivx9-tab-cards\">\n<div class=\"ivx9-tab-card\">\n<p class=\"ivx9-tab-card-title\">Term Life<\/p>\n<p class=\"ivx9-tab-card-body\">Coverage for a specific period. No cash value. Lower initial premiums. Best for finite protection needs.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-card\">\n<p class=\"ivx9-tab-card-title\">Whole Life<\/p>\n<p class=\"ivx9-tab-card-body\">Permanent coverage with cash value accumulation. Fixed premiums. Lasts your entire life.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-card\">\n<p class=\"ivx9-tab-card-title\">Universal Life<\/p>\n<p class=\"ivx9-tab-card-body\">Flexible premiums and adjustable death benefits. Builds cash value at current interest rates.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-card\">\n<p class=\"ivx9-tab-card-title\">Adjustable Life<\/p>\n<p class=\"ivx9-tab-card-body\">Lets policyholders adjust coverage, premiums, or protection period length as needs evolve.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>Other permanent types: Limited-pay whole life, Current assumption whole life, Joint life (first to die), Survivorship (second to die).<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-panel\" data-a=\"5\" id=\"ltc-beneficiaries\">\n<h3>Designating Beneficiaries<\/h3>\n<p>A <strong>beneficiary<\/strong> is the person or entity named to receive death benefits. Name both primary and secondary beneficiaries to ensure proceeds reach your family quickly \u2014 not your estate.<\/p>\n<div class=\"ivx9-tab-cells\">\n<div class=\"ivx9-tab-cell\">\n<p class=\"ivx9-tab-cell-title\">Primary Beneficiary<\/p>\n<p class=\"ivx9-tab-cell-body\">The first to receive the proceeds when you die.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-cell\">\n<p class=\"ivx9-tab-cell-title\">Secondary Beneficiary<\/p>\n<p class=\"ivx9-tab-cell-body\">Receives proceeds only if primary beneficiary predeceases the insured.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-cell\">\n<p class=\"ivx9-tab-cell-title\">Final Beneficiary<\/p>\n<p class=\"ivx9-tab-cell-body\">Receives proceeds only if they outlive all other named beneficiaries.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-cell\">\n<p class=\"ivx9-tab-cell-title\">Multiple Beneficiaries<\/p>\n<p class=\"ivx9-tab-cell-body\">Specify percentage shares to avoid any ambiguity over distribution.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p><strong>Revocable vs. Irrevocable:<\/strong> A revocable beneficiary can be changed at any time. An irrevocable beneficiary requires their consent to change.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-panel\" data-a=\"6\" id=\"ltc-policy\">\n<h3>Reading Your Policy<\/h3>\n<p>A life insurance contract is made up of <strong>provisions<\/strong>, <strong>options<\/strong>, and <strong>riders<\/strong>:<\/p>\n<div class=\"ivx9-tab-cards\">\n<div class=\"ivx9-tab-card\">\n<p class=\"ivx9-tab-card-title\">Provisions<\/p>\n<p class=\"ivx9-tab-card-body\">Describe features, benefits, conditions, or requirements of the contract.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-card\">\n<p class=\"ivx9-tab-card-title\">Options<\/p>\n<p class=\"ivx9-tab-card-body\">Features requiring you to make a choice regarding some aspect of coverage.<\/p>\n<\/p><\/div>\n<div class=\"ivx9-tab-card\">\n<p class=\"ivx9-tab-card-title\">Riders<\/p>\n<p class=\"ivx9-tab-card-body\">Additional coverage (endorsements) added to the standard policy for an extra premium.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"ivx9-callout ivx9-callout-amber\">\n<p><strong>Tax Considerations<\/strong><\/p>\n<ul>\n<li>Life insurance premiums are generally <strong>not<\/strong> tax-deductible.<\/li>\n<li>Death benefits paid to named beneficiaries are generally <strong>not<\/strong> included in gross income for federal income tax purposes.<\/li>\n<li>Be careful about policy ownership and beneficiary designations to avoid potential estate taxes on proceeds.<\/li>\n<\/ul><\/div>\n<\/p><\/div>\n<div class=\"ivx9-tab-panel\" data-a=\"7\" id=\"ltc-planning\">\n<h3>Planning Concerns<\/h3>\n<p>Life insurance can be a key element in specialized business and estate planning applications:<\/p>\n<div class=\"ivx9-tab-checklist\">\n<div class=\"ivx9-tab-check\"><span class=\"ivx9-tab-check-icon\">\u2713<\/span> <\/p>\n<p class=\"ivx9-tab-check-text\">Estate liquidity \u2014 proceeds available almost immediately<\/p>\n<\/div>\n<div class=\"ivx9-tab-check\"><span class=\"ivx9-tab-check-icon\">\u2713<\/span> <\/p>\n<p class=\"ivx9-tab-check-text\">Buy-sell agreement funding for business partners<\/p>\n<\/div>\n<div class=\"ivx9-tab-check\"><span class=\"ivx9-tab-check-icon\">\u2713<\/span> <\/p>\n<p class=\"ivx9-tab-check-text\">Estate tax payment &amp; final obligations<\/p>\n<\/div>\n<div class=\"ivx9-tab-check\"><span class=\"ivx9-tab-check-icon\">\u2713<\/span> <\/p>\n<p class=\"ivx9-tab-check-text\">Charitable giving vehicle at death<\/p>\n<\/div>\n<div class=\"ivx9-tab-check\"><span class=\"ivx9-tab-check-icon\">\u2713<\/span> <\/p>\n<p class=\"ivx9-tab-check-text\">Long-term investment vehicle (cash value policies)<\/p>\n<\/div>\n<div class=\"ivx9-tab-check\"><span class=\"ivx9-tab-check-icon\">\u2713<\/span> <\/p>\n<p class=\"ivx9-tab-check-text\">Key-person insurance for businesses<\/p>\n<\/div><\/div>\n<div class=\"ivx9-callout ivx9-callout-amber\">\n<p>Each situation requires careful consideration. Medical history and estate planning issues may also play a role. Contact Tillman\/Allen Insurance in Brentwood, Tennessee to speak with a licensed professional about your specific needs.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/div>\n<p><script type=\"module\" src=\"https:\/\/static.cloudflareinsights.com\/beacon.min.js\/v31edd6df95cf4e85bb4c19e7a9bdbcba1788362987495\" integrity=\"sha512-iIg7k2xntmwu6\/uSb5tpc\/hySgZc4eoL31yB29W6tJFo2akwjPWcEqnCEdJvGexCL0KEQwVYv5BlowfhVz26hg==\" data-cf-beacon='{\"version\":\"2024.11.0\",\"token\":\"fe4e3484786740c0821a1914343f2941\",\"r\":1,\"spa\":2}' crossorigin=\"anonymous\"><\/script><br \/>\n<br style=\"height:2em\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>DISCLAIMER: Statements on this website provide general information only as it relates to policies and coverages. All coverages are subject to the terms, conditions and exclusions of the actual policy issued \u2014 contact one of our licensed agents for questions regarding your specific needs and policy. THE BASICS TYPES OF INSURANCE BENEFICIARIES READING YOUR POLICY [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2220,"menu_order":4,"comment_status":"open","ping_status":"open","template":"","meta":{"ocean_front_end_style_editor":"no","ocean_post_layout":"","ocean_both_sidebars_style":"","ocean_both_sidebars_content_width":0,"ocean_both_sidebars_sidebars_width":0,"ocean_sidebar":"","ocean_second_sidebar":"","ocean_disable_margins":"enable","ocean_add_body_class":"","ocean_shortcode_before_top_bar":"","ocean_shortcode_after_top_bar":"","ocean_shortcode_before_header":"","ocean_shortcode_after_header":"","ocean_has_shortcode":"","ocean_shortcode_after_title":"","ocean_shortcode_before_footer_widgets":"","ocean_shortcode_after_footer_widgets":"","ocean_shortcode_before_footer_bottom":"","ocean_shortcode_after_footer_bottom":"","ocean_display_top_bar":"default","ocean_display_header":"default","ocean_header_style":"","ocean_center_header_left_menu":"","ocean_custom_header_template":"","ocean_custom_logo":0,"ocean_custom_retina_logo":0,"ocean_custom_logo_max_width":0,"ocean_custom_logo_tablet_max_width":0,"ocean_custom_logo_mobile_max_width":0,"ocean_custom_logo_max_height":0,"ocean_custom_logo_tablet_max_height":0,"ocean_custom_logo_mobile_max_height":0,"ocean_header_custom_menu":"","ocean_menu_typo_font_family":"","ocean_menu_typo_font_subset":"","ocean_menu_typo_font_size":0,"ocean_menu_typo_font_size_tablet":0,"ocean_menu_typo_font_size_mobile":0,"ocean_menu_typo_font_size_unit":"px","ocean_menu_typo_font_weight":"","ocean_menu_typo_font_weight_tablet":"","ocean_menu_typo_font_weight_mobile":"","ocean_menu_typo_transform":"","ocean_menu_typo_transform_tablet":"","ocean_menu_typo_transform_mobile":"","ocean_menu_typo_line_height":0,"ocean_menu_typo_line_height_tablet":0,"ocean_menu_typo_line_height_mobile":0,"ocean_menu_typo_line_height_unit":"","ocean_menu_typo_spacing":0,"ocean_menu_typo_spacing_tablet":0,"ocean_menu_typo_spacing_mobile":0,"ocean_menu_typo_spacing_unit":"","ocean_menu_link_color":"","ocean_menu_link_color_hover":"","ocean_menu_link_color_active":"","ocean_menu_link_background":"","ocean_menu_link_hover_background":"","ocean_menu_link_active_background":"","ocean_menu_social_links_bg":"","ocean_menu_social_hover_links_bg":"","ocean_menu_social_links_color":"","ocean_menu_social_hover_links_color":"","ocean_disable_title":"default","ocean_disable_heading":"default","ocean_post_title":"","ocean_post_subheading":"","ocean_post_title_style":"","ocean_post_title_background_color":"","ocean_post_title_background":0,"ocean_post_title_bg_image_position":"","ocean_post_title_bg_image_attachment":"","ocean_post_title_bg_image_repeat":"","ocean_post_title_bg_image_size":"","ocean_post_title_height":0,"ocean_post_title_bg_overlay":0.5,"ocean_post_title_bg_overlay_color":"","ocean_disable_breadcrumbs":"default","ocean_breadcrumbs_color":"","ocean_breadcrumbs_separator_color":"","ocean_breadcrumbs_links_color":"","ocean_breadcrumbs_links_hover_color":"","ocean_display_footer_widgets":"default","ocean_display_footer_bottom":"default","ocean_custom_footer_template":"","footnotes":""},"class_list":["post-2632","page","type-page","status-publish","hentry","entry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 4.9.10 - aioseo.com -->\n\t<meta name=\"description\" content=\"Life Insurance Tips in Brentwood TN. 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