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Not All Life Insurance Is Created Equal Posted By: Sabrina Winters, Attorney at Law, PLLC Many families depend on life insurance proceeds to accomplish a variety of goals at their death. It could be that it is to be used to fund a college account for children or pay off the mortgage for example. Determining which insurance company may be just as important as determining the type and value. There are a number of factors that should be considered when deciding on the right insurance company or companies for your insurance needs. The final decision will depend on what your ultimate goals are. Some factors that are commonly used by advisors when consulting with clients about their insurance needs include the following: 1. Ratings Ratings help in a general way to determine which companies are the strongest financially. Most ratings systems work on an easy-to-understand alphabetical structure similar to the credit markets. So a company that has a triple-A (AAA) rating is likely to be more financially sound than a company with a B rating. These ratings involve the opinions and judgments made by the ratings services. There are five key ratings services in the market today, including Standard and Poor’s, Dun and Bradstreet, Weiss Research, Moody’s Investor Services, and A.M. Best.charlotte estate planning attorney wills and trust attorney north carolina sabrina winters nbsp charlotte estate planning attorney Portability Could Save Your Estate A Lot Of Money Posted By: Sabrina Winters, Attorney at Law, PLLC While the attention of the nation was focused on the battle over the American Taxpayer Relief Act of 2012 because of the impact on personal income tax, the law also made significant changes to estate tax law. People spend a lifetime building financial security and working diligently to build an estate to pass to their children. An important component of estate planning is preserving as much of your acquired net worth as possible for your comfort in your retirement years and to pass on to provide a financial foundation for your children and other beneficiaries. Tax obligations can take a huge chunk out of your assets. It is an extremely complicated Tax Code. But, below I have tried to provide an extremely general discussion on a key federal estate tax law change that could result in significant savings. One of the most significant changes in the new tax law adopted at the end of 2012 involves the decision to make estate tax portability permanent. For those unfamiliar with this concept, estate tax portability permits a surviving spouse to use any unused portion of their deceased spouse’s estate tax exemption. The current exemption in 2013 for estate taxes is $5.will and trust attorney charlotte north carolina charlotte estate planning attorney charlotte wills attorney estate planning in charlotte sabrina wint will and trust attorney charlotte north carolina 相关的主题文章: