INS FINRA Reference FR2019-1004-0083/E The sender and LTM Marketing Specialists LLC are unrelated. This publication was prepared for the publication’s provider by LTM Marketing Specialists LLC, an unrelated third party. Articles are not written or produced by the named representative. January/February 2020 Comparing the Two Joint life insurance comes in two varieties: first-to-die and survivorship life. Both types insure both spouses (or business partners) with just one policy and eventually, will pay one benefit. One pays benefits after the first death of a person named on the policy, and the other pays only after both insured people die. The similarities are more numerous. At its core, life insurance provides basic income replacement — a necessity for most families with children to raise or assets to protect against estate and inheritance taxes. Joint life may also be less expensive than the cost of two separate life insurance policies, especially if one person has preexisting health conditions. Either type can serve as a financial legacy to loved ones and favorite charities. Making the Choice Its name isn’t very attractive, but its reason for being may be: First-to-die life insurance may be the most economical choice for parents of minor children. It can also financially protect a spouse who is concerned with replacing the regular income of a deceased parent or, in the case of a deceased homemaker, the care needed for younger children. And while survivorship life insurance has a more pleasant name, its purpose is just as noble: to provide financial protection for beneficiaries. There are a couple of reasons why joint life insurance isn’t right for everyone. One is the simple reality that you and your loved ones or business partners may need more than one life insurance policy. Another reason, which most policyowners don’t realize until after the fact, is that divorce can make dividing a joint life policy difficult without a related rider. Today’s life insurance policies generally can do much more than policies of years ago. For example, joint life insurance is one of those twists on this important coverage that may not be familiar, but it may be appropriate for some families and business owners. Two-for-One Life Insurance LTM Client Marketing Partners in your marketing success Insurance Version Karen Petrucco Account Manager LTM Client Marketing 125 Wolf Road, Suite 407 Albany, NY 12205 Tel: 518-870-1082 Fax: 800-720-0780 [email protected]www.ltmclientmarketing.com I am committed to helping my clients achieve their financial goals for themselves, their families and their businesses by providing them with strategies for asset accumulation, preservation and transfer. PROOF OF Market Market ty ty es with es with ldren to ldren to raise or raise or assets to assets to protect against estate and inheritance taxes. protect against estate and inheritance taxes. Joint life may also be less expensive than the Joint life may also be less expensive than the st of two separate life insurance policie st of two separate life insurance policie ially if one person has preexisting ially if one person has preexisting s. Either type can serve as s. Either type can serve as ed ones and favorite ed ones and favorite oice oice ery attractive, but its reason for ery attractive, but its reason for e: First-to-die life insurance may e: First-to-die life insurance may ost economical choice for parents ost economical choice for parents or children. It can also financially protect or children. It can also financially protect ouse who is concerned with replacing the ouse who is concerned with replacing the egular income of a deceased parent or, in the egular income of a deceased parent or, in the case of a deceased homemaker, the care case of a deceased homemaker, the care needed for younger children. And while needed for younger children. And while survivorship life insurance has a more pleasan survivorship life insurance has a more pleasan its purpos its purpos st as no st as no prov prov fin fin PRO s ago. s ago. rage that may rage that may owners. owners. e e OF OF OF Karen Petrucco Karen Petrucco Account Manager Account Manager LTM Client Marketing LTM Client Marketing 125 Wolf Road, Suit 125 Wolf Road, Suit Albany, NY 12205 Albany, NY 12205 Tel: 518 Tel: 518 Fax: Fax: kpetrucc kpetrucc www www
Transcript
INSFINRA Reference FR2019-1004-0083/E
The sender and LTM Marketing Specialists LLC are unrelated. This publication was prepared for the publication’s provider by LTM Marketing Specialists LLC, an unrelated third party. Articles are not written or produced by the named representative.
January/February 2020
Comparing the Two
Joint life insurance comes in two varieties: fi rst-to-die and survivorship life. Both types insure both spouses (or business partners) with just one policy and eventually, will pay one benefi t. One pays benefi ts after the fi rst death of a person named on the policy, and the other pays only after both insured people die.
The similarities are more numerous. At its core, life insurance provides basic income replacement — a necessity for most families with children to raise or assets to protect against estate and inheritance taxes. Joint life may also be less expensive than the cost of two separate life insurance policies, especially if one person has preexisting health conditions. Either type can serve as a fi nancial legacy to loved ones and favorite charities.
Making the Choice
Its name isn’t very attractive, but its reason for being may be: First-to-die life insurance may be the most economical choice for parents of minor children. It can also fi nancially protect a spouse who is concerned with replacing the regular income of a deceased parent or, in the case of a deceased homemaker, the care needed for younger children. And while survivorship life insurance has a more pleasant
name, its purpose is just as noble: to provide
fi nancial protection for benefi ciaries.
There are a couple of reasons why joint life insurance isn’t right for everyone.
One is the simple reality that you and your loved ones or business partners may need more than one life insurance policy. Another reason, which most policyowners don’t realize until after the fact, is that divorce can make dividing a joint life policy diffi cult without a related rider.
Today’s life insurance policies generally can do much more than policies of years ago. For example, joint life insurance is one of those twists on this important coverage that may not be familiar, but it may be appropriate for some families and business owners.
Two-for-One Life Insurance
The similarities
everyone. One is the simple
LTM Client Marketing
Partners in your marketing success
Insurance Version
Karen Petrucco Account Manager
LTM Client Marketing125 Wolf Road, Suite 407Albany, NY 12205
I am committed to helping my clients achieve their financial goals for themselves, their families and their businesses by providing them with strategies for asset accumulation, preservation and transfer.
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a necessity
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families with
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assets to protect against estate and inheritance taxes. PR
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conditions. Either type can serve as a fi nancial legacy to loved ones and favorite charities. PR
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legacy to loved ones and favorite charities.
Making the Choice
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Fof minor children. It can also fi nancially protect a spouse who is concerned with replacing the
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Fnot be familiar, but it may be appropriate for some families and business owners.
Big Changes Don’t forget the obvious when looking for tax deductions and credits. If you were married last year or became a new parent, you’ll fi nd increased deductions and potentially new credits. If you don’t itemize on your tax return, the standard deduction for joint fi lers in 2019 is $24,400; it’s half that for a single tax fi ler.
You can also fi nd tax credits if you care for an elderly person declared as a dependent or pay for child care if you qualify by income. Tax credits are more valuable than deductions because they reduce your taxes, not your taxable income.
For Itemizers If you itemize on your tax return, you can deduct real estate and local income taxes, up to certain limits. You might also deduct donations to qualifi ed charities and home offi ce expenses.
Don’t forget that you have until the 2019 tax-fi ling deadline to contributeto a traditional IRA, which may reduce your taxable income, or a Roth IRA, which may reduce taxable income in the future.
Check How MuchYou’re Withholding
Ways to HelpMinimize Your Taxes
The start of a new year is a good time to make sure you have the right amount of money withheld from your paycheck. You may want to withhold less if you consistently receive refund checks or more if you have untaxed gig or other income. Marriage, pay raises and new deductions could also warrant a change.
Know that you could owe the IRS a penalty and interest when you underestimate taxes. To change your withholding, ask your employer for a W-4 form and add allowances to withhold less or request fewer allowances to withhold more.
JF2020
Smart Money Moves for the New Year
Go through your budget with a fi ne-toothed comb to fi nd dollars you needn’t spend, and then put them toward your most important goals.
Pay estimated taxes on untaxed gig income, realized investment gains and other income to save on penalties and interest.
Increase your retirement plan contributions — your retired self will appreciate it.
If you don’t already maintain one, create an emergency fund for life’s unexpected fi nancial shocks.
Keep your vehicle after you make the last payment and put the extra money toward retirement, a child’s college education or other long-term goals.
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FBig Changes
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Fand potentially new credits. If you don’t itemize on your tax return, the standard deduction for joint fi lers in 2019 is $24,400; it’s half that for a single tax fi ler.
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Fdeduction for joint fi lers in 2019 is $24,400; it’s half that for a single tax fi ler.
Ways to Help
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What is the AMT ?
6 Questions to Ask Before Buying Your First Home
While the most recent changes to federal income tax regulations reduced the number of people who must pay the Alternative Minimum Tax (AMT), the tax is sizable if you’re the one paying it.
As its name indicates, the AMT is an alternative to paying ordinary federal income taxes. Generally, it hits taxpayers with high income and deductions, with the latter including state and local taxes, mortgage interest and incentive stock options. The AMT disallows some credits and deductions typically allowed on an ordinary tax return.
Owning a home remains part of the American Dream, but doing so requires a strategy and discipline. If you’re looking to buy your first home, answer the following questions to help ensure you do everything you can to make this experience a success.
By the NumbersThe AMT is designed to ensure wealthy individuals pay at least some income tax. The AMT exemption amount for 2019 for single and joint filers respectively is $71,700 and $111,700, with the exemption phasing out at $510,300 and $1,020,600. *
How Much House Can I Afford?It’s important to calculate all your costs, from monthly expenses such as mortgage, taxes and insurance to occasional maintenance and repair costs.
Where Do I Buy?Determine if your new home will add or subtract expenses to your budget due to the commute and public school taxes.
How Much Should I Put Down?In most cases, you’ll want at least a 20% down payment on your new home. Smaller down payments often trigger the necessity of private mortgage insurance, which will add to your total costs.
Have I Done my Homework?
Make sure your credit rating is as strong as possible and comparison-shop for your best mortgage options.
Which Mortgage is the Best?
Many first-time homebuyers try to limit upfront costs, but doing so can increase your total costs if folded into your loan. Instead, look to pay no points when possible and limit other closing costs, including origination fees. When comparing mortgages, know that shorter-term options — such as a 15-year mortgage — usually offer lower rates and lifetime costs than a 30-year mortgage does.
What Do I Buy?This ultimately depends on your financial means and lifestyle. First-time homebuyers may consider buying a lower-cost condo, but buying a two-family home can be a cost-effective option. You may want the finest home in the area, but a fixer-upper will likely be less expensive and a good candidate for price appreciation if you are handy and can make some updates.
Check How MuchYou’re Withholding
How to Save for aDown Payment
A home for many Americans is the largest purchase and continuing expense, and the down payment for one can be a big chunk of change. If you’re buying your first home, you may shift your savings efforts into another gear by following these steps:
• Check your credit rating and raiseit, if possible, to get the bestmortgage rates
• Reduce your debt and put thesavings toward your downpayment
• Temporarily eliminate or downsizea few areas of your life, from travelto restaurants, and save more
• Work overtime or find a part-timegig to increase your income —and down payment
• Put bonuses and pay raises towardyour down payment
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This publication is not intended as legal or tax advice. All individuals, including those involved in the estate planning process, are advised to meet with their tax and legal professionals. The individual sponsoring this newsletter will work with your tax and legal advisors to help select appropriate product solutions. We do not endorse or guarantee the content or services of any website mentioned in this newsletter. We encourage you to review the privacy policy of each website you visit. Limitations, restrictions and other rules and regulations apply to many of the fi nancial and insurance products and concepts presented in this newsletter, and they may diff er according to individual situations. The publisher and individual sponsor do not assume liability for fi nancial decisions based on the newsletter’s contents. Great care has been taken to ensure the accuracy of the newsletter copy at press time; however, markets and tax information can change suddenly. Whole or partial reproduction of Let’s Talk Money® without the written permission of the publisher is forbidden.
We Value Your Input...Your feedback is very important to us. If you have any questions about any of the subjects covered here, or suggestions for future issues, please don’t hesitate to call. You’ll fi nd our number on the front of this newsletter. It’s always a pleasure to hear from you.
INS
Recyclable
Life Insurance
Will you continue to have an insurable interest in your spouse once divorce is fi nalized? You may if you will depend on child or spousal support and if your ex-spouse will pay big-ticket expenses, such as tuition. You will, however, need to sort through the specifi cs before the divorce.
If you or your spouse has permanent life insurance with cash value, the cash component will also factor into divorce negotiations. Splitting a joint life insurance policy may prove diffi cult, unless it has a clause that dictates how this may happen in the event of divorce.
A fi nal decree may order one spouse to continue paying premiums for equivalent life insurance coverage on the other spouse. Once your divorce is offi cial, you will want to review your life insurance policy for adequacy, while making sure you’ll be protected fi nancially if you become disabled or need long term care.
Other Changes
Once you are divorced, you should also review your
benefi ciary designations to make sure they are
in line with your new reality. This becomes
more complex when one or both spouses remarry.
You’ll also need to revisit your coverage for auto, home and health insurance, as new policies could be
required in each case.
You may be able to keep a former spouse’s employer-provided
health coverage for yourself and pay for it for up to 36 months, using the provisions in the Consolidated Omnibus Budget Reconciliation Act (COBRA), which allows such coverage for major life changes.
Financially Smart DivorceNo one gets married planning to get a divorce, but it happens often. If you are in the midst of a divorce, you may understandably be concerned about the most obvious issues, including child custody and possession of the family home. But there can be less apparent concerns as well.
Will you continue to have an insurable interest in your spouse once divorce is fi nalized? You may if you will depend
if your ex-spouse will pay big-ticket expenses, such as tuition. You will,
required in each case.
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FThis publication is not intended as legal or tax advice. All individuals, including those involved in the estate planning process, are advised to meet with their tax
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they may diff er according to individual situations. The publisher and individual sponsor do not assume liability for fi nancial decisions based on the newsletter’s PR
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ADVERTISING REGULATION DEPARTMENT REVIEW LETTER
October 11, 2019
Reference: FR2019-1004-0083/E
Org Id: 20999
1. 2020 Lets Talk Money January/February InsuranceRule: FIN 2210
The communication submitted appears consistent with applicable standards.
Reviewed by,
Wayne L. LouviereManager
jb
This year’s Advertising Regulation Conference will be held on October 24-25 in Washington, D.C. For more information and to register, please access the conference webpage at www.finra.org/2019adreg.
Please send any communications related to filing reviews to this Department through the Advertising Regulation Electronic Filing (AREF) system or by facsimile or hard copy mail service. We request that you do not send documents or other communications via email.
