人寿大发888dafa在退休生活中扮演的5个角色
A life insurance policy is more than a benefit for the loved ones you leave behind. It can also supplement your retirement financial strategy in various ways, 包括作为紧急现金或贷款资金的来源, or by simply providing the confidence that comes from knowing you've covered all the bases.
How you use life insurance to assist your retirement goals depends on which type of policy you have. Term life insurance will cover you for a predetermined amount of time, but you may have the option to renew that policy when it is due to expire. Whereas whole life insurance will cover you for the remainder of your life.
Below are five ways in which you can utilize your current life insurance policy as a tool during your retirement.
角色1:提取现金价值
Permanent life insurance plans (like whole life insurance) may include an interest-earning feature. You can withdraw cash or take out a loan from a whole life insurance policy. This provides retirees with options for taking care of their expenses without depleting another retirement fund.
If you're withdrawing up to the amount you've already paid in premiums (known as the policy basis), 提款可以免税. 您在保单基础之外提取的任何收入, 然而, 被认为是一种收益，需要缴纳所得税.
As you consider this option, remember that any withdrawals you make will reduce your death benefit. It's typically best to only use this option when there is an emergency need for funds.
角色2:贷款
You can borrow against the value of a whole life insurance policy if you're in need of funds immediately. If you choose to take this route, you're borrowing the money you've already paid into the plan.
Taking out a loan will incur interest, which will be added to the balance owed. 贷款加上利息从死亡抚恤金中偿还, 这意味着你留给你所爱的人的会更少. It could lead to the more dangerous situation of not repaying the loan in a reasonable time, which could result in the loan balance exceeding the cash value, 就像水下抵押贷款一样. 如果是这种情况，该政策将失效.
角色3:人寿大发888dafa单附加条款和退休计划
You can add a rider to your whole or term life insurance policy. A rider is a supplemental benefit that you pay extra for and is commonly referred to as an accelerated benefit. Riders may cover an unexpected expense or a specific type of death event. 例如, a catastrophic illness rider will allow you to use the cash value to manage certain types of emergency medical expenses. It's different from a liquidating cash value and will reduce the death benefit. 在退休计划方面, riders (such as a catastrophic illness rider) can expire when the policyholder is over 65, 取决于大发888dafa公司. 因此，车手可能对提前退休人员更有利.1
角色4:退休后的税收优惠
生活 insurance policies can shelter part of your retirement plan from being taxed by the federal government. 如果你有现金价值计划, 美国国税局不会每年对增长征税, 但当你套现时，会对收入征税. The taxable amount will be the difference between the total premiums paid and the cash out amount.2
The withdrawals from and loans against your policy will be tax-free. 这包括来自加速福利的资金. It's important to note that if you have a life insurance policy paid by your employer, 任何超过50美元的东西,000美元被认为是应税收入.3
角色5:经济低迷时期的安全保障
Whole life insurance policies with cash value aren't influenced by stock market fluctuations. 如果你有一个多样化的投资组合, a portion of your retirement savings may lose value during an economic downturn. 在这种情况下, you may need to rely on your cash-value assets while your stocks and other assets take time to recover their value.
Any life insurance policy can become a part of your retirement plan. However, it can take several years to see a substantial benefit. 和任何退休计划一样, purchasing a life insurance policy early in life can yield the greatest benefits for you and your family. Discuss what type of life insurance policy can be most beneficial to you with an experienced financial professional or agent.
1. Investopedia.com, 2021
2. 国税局.政府,2022
3. 国税局.政府,2022
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, 不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.
