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Some Life insurance contracts allow the policy owner to build cash value through your life insurance policy that accumulates over your lifetime. This is considered a living benefit of life insurance because, in contrast to a death benefit that pays out when you pass away, you can use the money while you’re still alive.  Those cash values have mostly been limits of life insurance living benefits until in recent years a revised awareness and knowledge that statistical and actuarial analysis of deaths has given some companies in the Insurance Industry the vision that allows for them to offer Living Benefits policies with leverages such that one does not have to DIE to use the DEATH BENEFITS of life insurance policies.

We can generally deduce that life in the United States is being extended because of the outcomes of preventive and curative medical services of today. If you were to have an extended life it is possible that you will deplete your retirement savings. This means you will only have Social Security and Medicare to rely on for your living expenses.

Indexed Universal Life insurance (IUL) policies are relatively new. As their name implies, their earnings potential is tied to an equity index. This gives the IUL cash accumulations the potential to earn higher returns if the market performs well. The potential for higher returns than traditional whole life insurance guaranteed cash value accumulations is because the credited interest is based on the performance of an equity index, such as the S&P 500.

Perhaps the family’s largest and most beloved purchase, the home, which provides us with shelter, leisure, worship space, and a lot of time office space can be lost by the unexpected death of a breadwinner. If advance plans are taken to secure the family home and lifestyle with the funds to replace and/or stabilize the loss of income in event that such an eventuality occurs.

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The size of a business is not the determinant factor for a business needs to have life insurance as a funding source. Whether you are a one-person band, a family partnership, a two-person partnership, or a multi-person partnership and the business is an incorporated entity and the owner/partner is a W2 employee your business possibly qualify for some of the tax advantages that could be gained by the implementation of business strategies by thriving larger business that is yearly adding an employee to the payroll.