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计算器 > Insurance Planning to meet the financial needs of your survivors is one of the most important and fundamental steps in creating a sound financial plan for you and your family. Unlike a taxable account, a fixed annuity enjoys the benefits of tax deferral. In addition, many annuity companies offer a higher first year bonus rate. To be able to offer these higher rates companies typically require you to keep the funds invested for a period of time or suffer a surrender penalty for early withdrawal. Health Savings Accounts (HSAs) are a form of medical savings account that must be accompanied by a high-deductible health insurance plan. HSAs allow individuals/employers to set aside money on a pre-tax or tax-deductible basis and then withdraw the money tax-free to pay qualifying medical expenses. With medical advances and improved lifestyles, life expectancies in the United States are on the rise. Long gone are the days of being buried in a pinewood box. Funeral expenses can vary from several thousand dollars up to $15,000 and more depending on which services you select. Funeral homes and crematoriums provide a list of expenses some of which have been enumerated here. Your chances of becoming disabled are far greater than your chances of dying. It may surprise you that one out of three individuals will suffer a disability that lasts at least 90 days. One out of ten will be permanently disabled prior to age 65. 你可能会感到惊讶，33.7 million non-institutionalized Americans (or 12.2 percent of the population) experience limitations in usual activities due to chronic conditions.
There are basically three ways to fund your long-term care needs: self-insure, 有资格获得医疗补助, 或者获得长期护理保险. Most people earn a small fortune during their lifetime. Yet many of them are unaware of how their annual income adds up over the years. Deposits into an annuity are not tax-deductible, however you don't have to pay taxes on the interest earned until you begin making withdrawals. This tax-deferral period can have a dramatic affect on the growth of an investment. You may think that you are adequately insured in the event of your death. It may surprise how quickly the tax-free insurance proceeds may be depleted by your survivor income needs. |
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