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  2. Calculator: How Much Life Insurance Do I Really Need? - AOL

    www.aol.com/lifestyle/calculator-much-life...

    Are you sure you’ve calculated the right amount of life insurance to fully protect your family’s financial future?

  3. Do You Pay Taxes on Life Insurance? - AOL

    www.aol.com/pay-taxes-life-insurance-144951266.html

    Owning a life insurance policy can be an effective way to ensure that your loved ones are provided for if you die prematurely, and it can also play an important role in estate planning. But do you ...

  4. IRS Section 7702: Life Insurance Tax Definition - AOL

    www.aol.com/irs-section-7702-life-insurance...

    The IRC outlines two tests that life insurance contracts must pass in order to retain their tax-advantaged status. Policies can either use the cash value accumulation test (CVAT) or the guideline ...

  5. Internal Revenue Code section 79 - Wikipedia

    en.wikipedia.org/wiki/Internal_Revenue_Code...

    An employee must include in gross income for Federal income tax purposes an amount equal to the cost of group-term life insurance coverage on the employee's life to the extent that the cost of the coverage exceeds the sum of $50,000 plus the amount (if any) paid by the employee to purchase the coverage. [2]

  6. Actuarial present value - Wikipedia

    en.wikipedia.org/wiki/Actuarial_present_value

    Keeping the total payment per year equal to 1, the longer the period, the smaller the present value is due to two effects: The payments are made on average half a period later than in the continuous case. There is no proportional payment for the time in the period of death, i.e. a "loss" of payment for on average half a period.

  7. Life insurance tax shelter - Wikipedia

    en.wikipedia.org/wiki/Life_insurance_tax_shelter

    In those jurisdictions where life insurance proceeds are only tax-free at death, tax liabilities that come due at death are often offset by a policy of the same size. Since the mathematics required to compare different strategies is quite complex, most consumers defer to an accountant or life insurance agent for advice. However, there is often ...

  8. What does life insurance cover? - AOL

    www.aol.com/finance/does-life-insurance-cover...

    Life insurance is a type of insurance policy designed to provide a death benefit — a sum of money — to your selected beneficiaries after your death. The primary function of life insurance is ...

  9. Section 831 (b) - Wikipedia

    en.wikipedia.org/wiki/Section_831(b)

    Internal Revenue Code (I.R.C.) Section 831(b) is a U.S. tax law that provides specific tax benefits to certain small insurance companies, [1] often referred to as "micro-captives". [2] Established to encourage the formation of small insurance companies, it offers an alternative risk-management solution that can supplement or even replace ...

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