The Complete Cardinal Guide




Life Insurance.

Strategizing Life Insurance & Estate Planning 

Calculate the amount of money your survivors need to receive quickly after you pass away. Consider purchasing life insurance. If you don’t want to pay ongoing premiums, consider single-premium whole life insurance.

 Update all of your beneficiary designations. Beneficiary designations trump the will and go straight to the beneficiary.

 You need at least four legal documents prepared by an attorney knowledgeable about elder law: (1) a will, (2) a health-care power of attorney, (3) a financial power of attorney, and (4) a HIPAA release.

■ Federal estate taxes are no longer relevant for estates under $5.43 million, or $10.86 million for couples. The step up in basis at death for capital gains taxes is the more relevant issue for middle-class taxpayers.

■ Want more information? A complimentary life insurance quote? Fill out the form below so we can give you some personalized options!

Related Blogs.

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When is the last time you updated your Beneficiary Designations?

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Does Suicide Void Life Insurance?

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What does Contingent mean in Life Insurance?

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For many people, the thought of dying is easier to deal with than the thought of becoming incapacitated. What I find, is a lot of folks that are in their 60s and 70s, they don’t want to deal with the thought of incapacity. Denying the problem doesn’t make it go away....

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