returns are low. Thus you were often advised to buy life insurance protection with a term policy and invest the difference between term and whole life payments in a separate investment vehicle, such as mutual funds, stocks, or bonds. Once you have built up a large pool of assets you don't need the insurance because the assets will provide security and stability in the event of an unexpected death. However, there is a new, more flexible product called universal life insurance. While the life insurance company controls the savings in a whole life policy, the savings in a universal life plan are owned and controlled by the policyholder. Insurance companies offer a large variety of investment options for this savings component, including mutual funds. Thus, you have the ability to meet your life insurance needs and increase your return on investment. The major advantage of a universal life policy is tax-advantaged growth. When you pay the policy premium, a portion of the premium pays for the insurance and a portion is invested. However, when you are ready to withdraw the money from your investment, your cost basis ( the portion not subject to tax) is higher with a universal life policy. The cost base for a universal policy is equal to the sum of all your premiums - the amount of money you have invested plus the money you have used to buy life insurance. This is very useful because increasing your cost base will ensure you pay less tax once you sell your investments within the universal life policy. Universal life insurance provides a powerful combination of life insurance and tax-advantaged investment opportunities. Investors should realize that universal life insurance premiums work twice as hard as other premiums. They should also know that choosing the right product is an important element in the overall success of this strategy. Finally, the benefits of this strategy are magnified if you are in a higher tax bracket. Title: Life Insurance Available With Tax Relief. Word Count: 501 Summary: At last you can buy life insurance and get tax relief. The breakthrough results from changes in the Gordon Browns' latest Budget speech but the tax relief is only available on a new special sort of life insurance policy. You can't get tax relief on your existing life insurance policies. These new policies exploit a loophole in the new Finance Bill and should result in savings of between 5% and 15% for standard taxpayers and around 30% for higher taxpayers. But there are...
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Kattie Gold Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kattie Gold Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kattie Gold Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kattie Gold Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kattie Gold Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kattie Gold Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs
Kattie Gold Hair Color, Body Shape, Family Members, Father, Mother, Brother, Sister, Marriage and Affairs.
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