Disability Insurance
by Terry Spradlin
Long Term Care
by terry Spradlin

Taxation of Life Insurance Proceeds
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Taxation of Life Insurance Proceeds by Patrick West
UAB School of Business
Back To Insurance | All By Patrick West

Taxation of Life Insurance Proceeds- Generally the proceeds of a life insurance policy are not taxable, but if you receive interest payments from funds held by the insurance company, you will have to pay taxes on the interest that you receive. Add to a notebook or create a new notebook

Life Insurance Settlement Options This video segment covers how the proceeds of a life insurance policy will be paid. You may want to get the payment as a lump sum or set up a trust and have it managed by a bank.

Disability Insurance What should you look for when purchasing a disability insurance policy? Why should your policy cover 60-70% of your income? What is the definition of disability? These and other topics are covered in this information personal finance segment.

Disability Insurance Contracts The definition of disability is critical to your policy. Inflation can have a huge impact on your benefits. You may want to have your policy index to the inflation rate. We also cover the important role of social security when it comes to disability insurance.

Offsets for Disability Insurance It is important to understand your disability policy and benefits. The reason to have disability insurance is to protect your income. If you have an individual disability policy, you need to update the policy to keep up with your income.

Health Insurance To get the most from your health insurance, you need to be an educated consumer. If you have a group medical plan, understand what it covers and what it doesn't.

Group Health Insurance Options What do terms such as HMO, PPO, COBRA mean? These and other health insurance topics are covered in this personal finance segment. We also talk about the fact that with health insurance you are trying to insure against the large risks.

Managing your Medical Premiums As with other types of insurance, if you handle the smaller risks yourself, you can decrease your premiums. You are buying a set of benefits with your premium and the larger the deductible, the smaller the cost of the insurance policy.

Cafeteria Plans and Health Insurance Contracts Reading an insurance policy can be difficult. What is a provision and what does inclusion and exclusion mean? We cover those topics along with Medical Savings Plans and Cafeteria Plans in this segment

Cafeteria Plans-Estimating your Medical Costs Estimating how much money to put into your cafeteria plan can be tricky, but remember, even if you over estimate your costs, you are using pre-taxed dollars so you may still come out ahead.

Renters Insurance Renters insurance is very inexpensive because it is not insuring the structure, just the contents of your apartment or rental house. Renters insurance also provides liability coverage in case someone is hurt at your apartment.

Homeowners Insurance If you have a mortgage on your home, you must carry homeowners insurance. Even if you do not have a mortgage, you need homeowners insurance to cover liability issues and the ability to replace your home in case of loss.

Homeowners Insurance-Replacement Cost Coverage Why is replacement cost coverage so important when it comes to homeowners coverage? The cost of materials continue to increase and if your coverage doesn't, then you will not have the money to rebuild your home in case of loss. You also need to pay attential to the limitiations on your policy and that you have high limits when it comes to liability.