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| The Death Tax Isn’t Dead State death-tax planning should be an important aspect of the estate-planning process. Every state has some form of estate or inheritance tax. Estates that are too small to trigger the federal tax can easily rack up thousands of dollars in state death taxes and probate costs. With the reduction of federal estate taxes, state death taxes are increasing. Many states are imposing new estate taxes to make up for the revenue lost from the discontinued federal state-tax credit. Some states also have expensive and lengthy probate systems that apply to an increasing number of estates. Beneficiary classes and tax rates In most states, estate beneficiaries are divided into classes based on their relationship to the decedent. The closest relatives are subject to the least amount of tax and the largest exemption. If property passes to someone other than a surviving spouse, the effect of these taxes can be significant. There are two types of death-tax rates states use: a flat percentage rate and a graduated percentage rate. In states with a flat rate, the value of the whole share passing to a beneficiary is taxed at the same percentage rate. The flat rate may vary according to the beneficiary’s degree of blood relationship to the decedent. In states with graduated rates, a beneficiary’s inheritance is broken down into brackets similar to the federal gift and estate- and income-tax rate schedules. The lowest bracket is taxed at the lowest percentage rate, with each additional bracket taxed at an increasing rate. The concern increases greatly if the decedent owned property in more than one state. Each state involved may claim a right to tax the transfer of that property or the entire estate. |
| Level four: QPRTs and GRATs The situation for level four planning is the additional need to reduce the client’s estate after his $1 million/$2 million gift-tax exemption has been used. Although paying gift taxes is less expensive than paying estate taxes, most clients will not want to pay gift taxes. There are several techniques to make substantial gifts to children and grandchildren without paying significant gift taxes. One technique is a qualified personal residence trust. A QPRT allows the grantor to transfer a residence or vacation home to a trust for the benefit of children, while retaining the right to use the residence for a term of years. By retaining the right to occupy the residence, the value of the remainder interest is reduced, along with the taxable gift. If the grantor survives the term, the residence (and the future appreciation thereon) are entirely removed from the grantor’s estate. Another technique is a grantor retained annuity. A GRAT is similar to a QPRT. The typical GRAT is funded with income-producing property such as subchapter S stock or FLP or FLLC interests. The GRAT pays the grantor a fixed annuity for a specified term of years. Because of the retained annuity, the gift to the remaindermen (the grantor’s children) is substantially less than the current value of the property. Level five: the zero estate- tax plan Level five planning is a desire to disinherit the IRS. The strategy combines gifts of life insurance with gifts to charity. |
| Types of state taxes There are different kinds of estate taxes that states may levy. One is a state inheritance tax, which is based on the beneficiary’s right to inherit property from an estate, and on the value of the property each beneficiary receives. It is generally levied at a graduated rate. The rate typically depends on the beneficiary’s relationship to the deceased. Currently, fewer than one-third of the states impose an inheritance tax. Another allowable tax is a state estate tax, which is similar to the federal estate tax; it is a tax on the decedent’s right to transfer or pass property to his heirs. Credit estate taxes EGTRRA (Economic Growth and Tax Relief Reconciliation Act of 2001) made some significant changes to state death taxation. Prior to 2005, all states used credit estate taxes to capture the maximum amount of taxes equal to the allowable credit against the federal estate tax for state death taxes the estate paid. If the state death tax was less than the federal estate- tax credit allowed for state death taxes, the state assessed the difference and collected at least as much as the federal estate-tax credit amount. For example, assume that for a federally adjusted taxable estate of $840,000, the federal government allowed a tax credit of $27,600 for state taxes. If the state tax amounted to only $25,000, the state collected the remaining $2,600 allowed by the federal credit under the state credit estate-tax provisions. New rules EGTRRA eliminated the state death-tax credit at the beginning of 2005, and it was replaced with a deduction for the amount of state death taxes paid. As you can imagine, this has had a negative effect on states’ revenue. Consequently, many states have enacted laws to prevent future death-tax revenue losses by decoupling from the post-EGTRRA federal estate-tax system. Although arrangements vary from state to state, the simplest form of decoupling is when a state uses the full federal credit available prior to the 2001 changes. Those states have frozen the amount of the state death- tax credit that was allowed before EGTRRA for state death-tax purposes. |
| ESTATE PLANNING Five Levels of Estate Planning Level one: the basic plan The situation for level one planning is that the clients have no wills or trusts in place, or their existing wills or trusts are outdated or inadequate. The clients’ objectives for this type of planning are to: reduce or eliminate estate taxes avoid probate protect their heirs from their inability, disability, creditors and predators To accomplish these objectives, use pour-over wills, revocable living trusts that allocate the decedent’s estate between a credit shelter trust and a marital trust, general powers of attorney and durable powers of attorney for health care and living wills. Level two: the irrevocable life insurance trust (ILIT) The situation for level two planning is that the client’s estate is projected to be greater than the $2 million estate-tax exemption for 2006 through 2008 ($4 million for a married couple). In this case, the client can make cash gifts to an ILIT using his $12,000/$24,000 annual gift-tax exclusion. Level three: family limited partnerships The situation for level three planning is that the client has a projected estate-tax liability that exceeds the life insurance purchased in level two. If the client’s $1 million gift-tax exemption is used to make lifetime gifts, the gifted property and all future appreciation and income on that property are removed from the donor’s estate |
| The Income-Tax Treatment of Life Insurance It is important to know how certain tax benefits come into play with death proceeds and living benefits. Historically, life insurance has been considered beneficial to the public good because it contributes to the financial well-being of families. As a result, there are certain tax benefits for life insurance products. It is important to kow how these come into play with the death proceeds and living benefits of an individual life insurance contract. Premiums: Policy premiums are considered a personal expense and are not deductible for income-tax purposes. Exceptions to this include premiums that a person paid for life insurance in an alimony agreement or for a policy that is owned by and paid to a charity. In business situations, employers may deduct premiums as a business expense if they are paid in the form of a bonus to the employee. If life insurance is part of a pension plan, employer-paid premiums are deductible. Death benefits: Death proceeds are generally exempt from income taxation when they are paid in a lump sum. Accelerated death benefits: For an insured who is terminally ill, the amounts he receives are excludible from income because they are considered as payable by reason of the death of the insured. A physician must certify the terminal illness, which must be expected to result in death within 24 months. Transfer for value: When a policy is transferred for valuable consideration (according to the IRS, any absolute transfer for value of a right to receive all or a part of the proceeds of a life insurance policy) to another owner, part of the death benefit becomes taxable. The taxable amount is the death benefit reduced by the amount paid to transfer the policy and the premiums made by the new owner. Transactions exempt from this rule include situations in which the policy is sold to the insured. Matured life contracts: When a policy reaches the maturity date, the proceeds are not considered a death benefit, and any gains in the policy are considered ordinary income for the tax year in which they are distributed. Gains are amounts received in excess of the cost basis, the amount paid with after-tax money. Dividends: The cash dividend is taxable only when it exceeds the cost basis. Dividends are generally taxed on a first-in first-out, or FIFO, basis; withdrawals are treated as a nontaxable return of capital (refund of premium) to the extent of the premiums paid. If dividends are withdrawn or the policy is surrendered, proceeds received in excess of premiums paid are considered ordinary income. If dividends accumulate at interest, the interest earned is taxable. Loans: Policy loans are normally not taxable. If a policy is surrendered with a loan outstanding, and if that loan, with other cash value, is greater than the cost basis, there is a taxable gain. Cash surrenders: Upon surrender, it must be determined if the amount received exceeds the net premiums paid. Net premiums paid means the gross premium less any dividends received and outstanding loans. The difference is reportable as ordinary taxable income in the year it is received. |
| Five Insurance Policies Everyone Should Have Protecting your most important assets is an important step in creating a solid personal financial plan. The right insurance policies will go a long way toward helping you safeguard your earning power and your possessions THE IMPORTANCE OF INSURANCE IN SOMEONE'S LIFE! Your Financial Plan; Insurance is an important element of any sound financial plan Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death. INSURANCE KNOWLEDGE LIFE INSURANCE ADVANTAGES, FEATURES AND BENEFITS WHILE ALIVE AND AFTER DEATH. INSURANCE GENERAL KNOWLEDGE, GLOBAL INSURANCE INFORMATION FOR BETTER CHOICES, BETTER DECISION, BETTER GUARANTEE AND BETTER SATISFACTION. LEARN MORE HERE... ..HOW TO OBTAIN AN INSURANCE LICENSE, AND GET HIRED, START WORKING IMMEDIATELY WITH ONE OF THE GREATEST INSURANCE COMPANY IN THE WORLD? FREE INSURANCE SCHOOL, FREE COURSE, FREE TRAINING, FREE FINGERPRINT, FREE BOOKS FOR THOSE WHO LIVE IN MIAMI DADE AND BROWARD COUNTY FLORIDA. LEARN MORE HERE... Life Insurance Life insurance, payable when you die, can provide a surviving spouse, children, and other dependents with the funds necessary to maintain their standards of living, can help repay debt, and can fund education tuition costs. LIFE INSURANCE QUOTE. LEARN MORE.. Auto Insurance Auto insurance protects you from damage to the often considerable investment in a car and/or from liability for damage or injury caused by you or someone driving your vehicle. The 10 Best Ways to Lower Your Car Insurance Bill Money saved is money earned. Many people spend more than is absolutely necessary on their daily bills, the things that they take for granted. Auto Insurance - What do You really Need? When shopping for car insurance, you must take a number of factors into consideration in order to obtain the best coverage for your needs at a reasonable price. For instance, how much is your vehicle worth? Home-owner's Insurance: How to Save Money on Home Insurance? Home-owner's insurance should allow you to rebuild and refurnish your home after a catastrophe and insulate you from lawsuits if someone is injured on your property. Guide To Homeowners Insurance: Different Types of Coverage All insurance is definitely not created equal or, put another way, you get what you pay for. The least costly homeowners insurance will likely give you the least amount of coverage, and vice versa. Ways to Reduce Your Life Insurance Premium While you can't do anything about two of the three main factors affecting your insurance premium (age and family medical history), there are steps you can take regarding the third - lifestyle. You could lower your insurance premium if you: Annuities & Pensions Insurance Basically, an annuity is just a series or stream of payments. “Annuity” comes from the Latin for “year”. In the context of life insurance, it is a contract between you and an insurance company under which the insurance company pays you money for a stipulated period. Things to Remember When Buying Health-care It’s always much easier and much less complicated choosing healthcare coverage from your employer. Your Health Insurance; and what it should Cover How to analyzed the costs that you pay under your health- care insurance plan. In this article we’ll look at some of the basic coverages which should be included in your policy. Business Needs Business Insurance Three Common Myths About Liability and Understanding the Value of Insurance Disability Income Insurance Insurance? If you were unable to work for an extended period of time due to an injury or illness, how long would you be able to pay your bills and meet your day-to-day expenses? LEARN MORE... |
| Tax Drag What Does Tax Drag Mean? knowledgefinancial.com-- explains The reduction of potential income due to taxes. Drag describes the loss in returns owing to taxation, usually on an investment. Tax drag is commonly used when describing the difference between an investment vehicle that is tax-sheltered and one that is not. For many individuals, tax drag can have a significant effect on overall investment performance. Tax Drag Tax-efficient investing techniques are very important for recognizing capital gains, transferring wealth and estate planning. knowledgefinancial.com |
| Tax Gain/Loss Harvesting What Does Tax Gain/Loss Harvesting Mean? knowledgefinancial.com-- explains Selling securities at a loss to offset a capital gains tax liability. Tax gain/loss harvesting is typically used to limit the recognition of short-term capital gains, which are normally taxed at higher federal income tax rates than long-term capital gains. Also known as "tax-loss selling". Tax Gain/Loss Harvesting For many investors, tax gain/loss harvesting is the single most important tool for reducing taxes now and in the future. If properly applied, it can save you taxes and help you diversify your portfolio in ways you may not have considered. Although it can't restore your losses, it can certainly soften the blow. For example, a loss in the value of Security A could be sold to offset the increase in value of Security B, thus eliminating the capital gains tax liability of Security B. knowledgefinancial.com |
Tax Liability
What Does Tax Liability Mean?
knowledgefinancial.com-- explains
The total amount of tax that an entity is legally obligated to pay to an
authority as the result of the occurrence of a taxable event. Tax
liability can be calculated by applying the appropriate tax rate to the
taxable event's tax base. Taxable events include, but are not limited
to, annual income, the sale of an asset, a fiscal year-end or an
inheritance.
Tax Liability
A tax liability is a legal claim on assets. Should an entity default on
paying its taxes, the governing authority may foreclose on the
delinquent account, or take out a lien or encumbrance on an asset.
knowledgefinancial.com
What Does Tax Liability Mean?
knowledgefinancial.com-- explains
The total amount of tax that an entity is legally obligated to pay to an
authority as the result of the occurrence of a taxable event. Tax
liability can be calculated by applying the appropriate tax rate to the
taxable event's tax base. Taxable events include, but are not limited
to, annual income, the sale of an asset, a fiscal year-end or an
inheritance.
Tax Liability
A tax liability is a legal claim on assets. Should an entity default on
paying its taxes, the governing authority may foreclose on the
delinquent account, or take out a lien or encumbrance on an asset.
knowledgefinancial.com
| Tax Bracket What Does Tax Bracket Mean? knowledgefinancial.com-- explains The rate at which an individual is taxed. Tax brackets are set based on income levels; individuals with lower income levels are taxed at a lower rate than individuals with higher income levels. Tax brackets serve as cutoff points for given income tax rates; therefore, if an individual's annual taxable income exceeds the cutoff point, that person is taxed according to the next tax bracket. Tax Bracket Most countries tax individual incomes using a system of tax brackets. This structure implements what is referred to as a progressive tax system, in which taxation progressively increases as an individual's income grows. This contrasts with a flat tax structure, in which all individuals are taxed at the same rate, regardless of their income levels. Proponents of the use of tax brackets and a progressive tax system contend that individuals with high incomes are more able to pay income taxes while maintaining a high standard of living, while low-income individuals struggle to meet their basic needs, and should be subject to less taxation. Furthermore, the use of tax brackets has an automatic stabilizing effect on an individuals' after-tax income, as a decrease in salary is counteracted by a decrease in tax rate, leaving the individual with a less substantial decrease in after-tax income. knowledgefinancial.com |
The life insurance industry provides a challenging and lucrative career opportunity to recent college graduates holding financial degrees ranging from accounting to statistics. Agents formerly only offered and administrated insurance policies that paid cash benefits to survivors of the policy owner after death; now life insurance professionals provide a wide range of estate planning financial instruments to their clients. As the range of services has expanded so have the certification requirements; currently all 50 states require perspective agents to have a life insurance license. Determine the level of financial services you want to provide to your clients. A Health and Life license permits the sale of basic insurance products such as term and whole life policies, but providing wider range financial services such as investment products and commercial securities requires more extensive licensure. 2 Be prepared to complete approximately 40 hours of course work prior to testing for a license. These classes include every aspect of basic life insurance sales from state and local regulations and laws to ethics and client management. Most states also require licensed life insurance agents regularly participate in continuing education courses; contact your state Department of Revenue to establish the specific educational requirements for your area. Make application to the state to take the Life Insurance license exam and ensure you are on the list for the next scheduled testing. Be prepared and be on time; many states will not admit tardy applicants and will force them to reapply. How to Get a Life & Health Insurance License in Florida Start a career in the lucrative insurance industry by getting your license. Although each state has its own requirements, plan on studying for and passing a comprehensive exam. Your commitment will pay off when you find work as an insurance agent, adjuster, broker Purchase Errors and Omissions Coverage (E&O). When selling insurance you should purchase E&O insurance of at least $300,000. This will protect your from potential lawsuits. Request a list of E&O providers from your state department of insurance How to Deal With Insurance Companies When Filing Accident Insurance Claims ''NobleCE.com - Insurance Continuing Education - FREE Shipping ... State-approved Insurance Continuing Education. Satisfy your ... Noble Insurance Continuing Education provides Insurance CE for Insurance License Renewal ... How to renew an Insurance License | Insurance Life Including Variable Annuity and Health Insurance b Satisfy your Insurance CE requirements with our online or paper courses. FREE ... Continuing Education provides Insurance CE for Insurance License Renewal Insurance Division - Agent Resources Agent Licensing Section - - Director. 1-888-416-0868 or (615) 741-2693 This office is responsible for the licensing and regulation of insurance producers, business entities, title agencies |
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| South Florida, Life Insurance Licensed Representative |
| South Florida, Life Insurance Licensed Representative |
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| Ways To Get A Bigger Refund This Year... Knowing what you're entitled to write off on your tax return might seem complex and mysterious, but it doesn't have to be. This year, popular write-offs include deductions for alimony payments, moving expenses (if the move is related to a job relocation or self-employment) and IRA and health savings account contributions. Powered By Knowledgefinancial.com And Financial Academy School.Com Tax credits include the dependent care credit for child care costs (if you work), education costs (including tuition and fees), retirement contributions to IRAs or 401(k)s and the earned income tax credit for low-income tax payers. Student loan interest can be deducted up to $2,500 annually, and if you itemize deductions, mortgage interest and real estate taxes as well as state and local income taxes or sales taxes can be added to that list 1. Check for ordinary losses on stock losers. Last year was a great year for the stock market, but not every investment was a winner. Ordinarily losses on the sale of stock are deductible as capital losses. These losses can offset capital gains (including capital gain distributions from mutual funds) as well as up to $3,000 of ordinary income ($1,500 for married persons filing separately). 2. Check for worthless securities. Unfortunately not all investments work out; some corporations--public or closely-held--go belly up, leaving investors with worthless stock and other securities. If you have a security that's become worthless, you can deduct your loss. You're treated as having sold the security on the last day of the year in which it became worthless. You have seven years from the year in which worthlessness occurred to file a refund claim, so look for securities you owned that became worthless in 2006 or later so you can file a refund claim before April 15, 2014. Powered By Knowledgefinancial.com And Financial Academy School.Com Caution: The stock must be completely worthless. The fact that a company declares bankruptcy does not mean its stock is worthless. Remember that Kodak filed for bankruptcy protection in 2012 and all looked hopeless, but Kodak emerged from bankruptcy and its stock was relisted on the New York Stock Exchange in November 2013. 3. Pay no tax on gain from your home sale. Did you sell your home in 2013? If you owned and used it as your principal residence for two of the five years preceding the date of sale, then you can exclude from income the gain up to $250,000, or $500,000 on a joint return. If you bought your home a long time ago and had a large gain, you may still use this shelter to avoid paying any tax on the sale by correctly figuring your tax basis and gain realized. Powered By Knowledgefinancial.com And Financial Academy School.Com Gain is the difference between the amount realized (the selling price less broker's commissions) and your tax basis. Tax basis is the original cost of the home increased by capital improvements you made to it over the year. Capital improvements include a new roof, an addition, fencing, a new alarm system or even new appliances. IRS Publication 523 gives an overview of this rule. Caution: If you took a home energy tax credit in past years for adding insulation, storm windows, or solar panels, then you must reduce your basis for these capital by the amount of the credit. 4. Deduct your out-of-pocket costs for charity. If you do Volunteer work for a non profit organization and itemize your personal deductions, then you can write off the expenses you incur. For example, if you deliver meals on wheels in your car, you can deduct your costs at the rate of 14 cents per mile (provided you have a record of this driving). If you buy items on behalf of a charity, then you can deduct these costs as long as you correctly substantiate your costs. Receipts aren't enough if the costs are $250 or more. In this case, you need a written acknowledgment from the charity. Note: You can never deduct the value of your time and effort expended on behalf of a charity. IRS Publication 526 contains more details about the ins and outs of this approach. 5. Make smart tax elections. The tax law has many elections that allow you to choose the most beneficial way to handle certain tax items. For example, if you suffered a casualty loss in a FEMA-declared disaster in 2013, you can opt to deduct the loss on an amended return for 2012. Or, if you'd get a bigger write-off in 2013 because your adjusted gross income (the threshold for claiming this deduction) is smaller, simply claim your loss on the 2013 return. FEMA disaster declarations are listed at www.fema.gov/disasters. If you sold property on an installment basis, then you can choose to report it all on your 2013 return rather than spreading the gain over the years in which installment payments are received. This choice makes sense if you have losses now to offset the gains. If you prepare your own return, your tax software should ask questions to help you chose the most favorable option; tax pros should do the same. Keep in mind that the IRS won't voluntarily send you a refund; you must file a return showing why you're entitled to it. To hold onto more of your hard-earned money, Powered By Knowledgefinancial.com And Financial Academy School.Com ------------ |
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| Be Wiser - Smarter - & More Intelligent.. Life Insurance Is A Smart Choice But Not Only For The Smartest People; It's Pretty Much For Everyone Invest Now, Save Later Many people think they do not need life insurance as they have no children depending on them, there are actually many reasons for even childless people to invest in life insurance. - Perhaps you also may think you don't need life insurance because you are young, childless, single... and you don't plan on dying any time soon! You better think again. Ironically, this is actually the best time in your life to purchase a life insurance policy. Life insurance is typically cheapest when you're younger, healthy. Buying a policy now could protect any dependents you have in the future. If you don't have any children now, but plan on having them in future, then buying life insurance now could be a smart choice . |
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