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Preserving an Estate
You’ve done a good job accumulating assets and establishing your financial security. These assets will funnel down to the next generation, but at what value? What will the tax consequences be? Will these assets pass directly to your intended beneficiaries, or will they be stuck in probate? What impact will it have if your spouse dies first?
Life insurance can be a very effective tax and estate solution to ensure that the value of your estate is maximised. You’ve worked hard to create this asset – take the steps to protect it. Lets discuss options to preserve your estate.
Graduation is the Perfect Time to Consider Disability Insurance
As this year’s graduates cross the stage they’re filled with dreams of their bright futures. Rightly so – they’ve worked hard to get to where they are. They’re thinking of their careers, their earning potential and getting started on this business of life.
Now’s also the right time to think about protecting that income earning potential against injury or illness. This is an excellent time for young professionals to consider disability insurance; here are just some of the reasons why:
- Rates are low because they’re young and healthy
- These rates are guaranteed for the duration of the plan on superior plans
- Some carriers offer discounted rates to new grads.
- Financial underwriting is a little more flexible since they don’t have a history of earnings.
- Options are available to increase benefit amounts as their earnings increase.
For a graduate, starting out on a brilliant career, this is just another step in the process of establishing that bright future. If you consider their earning potential, doesn’t it make sense to insure it at the best rate possible?
Steve Jobs limited his kids’ screen time. Can I?
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I read a great article that appeared in the New York Times, which reveals how some of the biggest leaders in the tech industry, including the late Steve Jobs, did not allow a technology free-for-all at home. In fact, quite the opposite; these tech titans are acutely aware of the benefits of reining in kids’ screen time at home to make room for the important stuff, like real-life conversations, homework and (although not mentioned in the article), physical activity.
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