Term Life Insurance California – Mortgage Protection

Not really. It is rooted in fairness. The rules are designed to make sure that employers don't discriminate in favor of highly compensated or key employees. That's the price to be paid for deductibility.

The alternative is non-qualified plans – and no tax deduction. Or, like in the case of group term life insurance, the company-paid premiums for coverage in excess of a certain amount are considered income to the employee.

My boyfriend worked for the school system and from what I understand thru the union thru – nys and local retirement system – employee's retirement system took out a term life ins. policy w/me as bene. and supposely there is a one year waiting period. His original date of hire was Dec. 2008 with the school and took out this policy as of Jan 2009 and is deceased as of Nov. 2009 and they are saying that he did not meet the one year waiting period. He had no control over death. It was a heart attact two months short of one year. They will reimburse the 3 % to me and that's it. Is this for real and if not who would be able to advise? Thank- you

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You don’t believe in life insurance beyond 30 years? Wow ever hear of estate planning? Wealth transfer? Legacy planning? Special needs trusts? Life INS passes tax and probate free. Poor advice. As for investing the diff? Please no on is comparing cv life to the market but it does do 5% tax free and provides a solid base. The maker avearage 9 but after taxes and fees nets most less than 4. Look up real rate of return v actual

low cost health insurance california is legit.