How Can I Upgrade My Insurance — Tax-Free?
Responding to the changing needs of consumers, 人寿保险行业已经开发了一些替代方案，比一些更传统的保险和年金类型在满足各种在线赌场排名在线赌场排名和目标方面走得更远.
Advancements
现代合同提供了比传统合同更大的财务灵活性. For example, 万能人寿和可变万能人寿保单允许保单持有人调整保费和死亡赔偿金，以适应他们的财务在线赌场排名.
Modern contracts can also provide much more financial control. Whereas traditional vehicles, such as whole life insurance and fixed annuities, provide returns that are determined by the insurance company, 较新的替代方案使客户能够做出有助于确定回报的选择. For example, 可变年金和可变万能寿险允许投资者在各种投资子账户中分配保费, which can range from conservative choices, such as fixed-interest and money market portfolios, to more aggressive, growth-oriented portfolios. Returns are based on the performance of these subaccounts.
There are contract limitations, fees, 以及与可变年金和可变万能人寿保险相关的费用, which can include mortality and expense risk charges, sales and surrender charges, investment management fees, administrative fees, and charges for optional benefits. Withdrawals reduce annuity contract benefits and values. Variable annuities and variable universal life insurance are not guaranteed by the FDIC or any other government agency; they are not deposits of, nor are they guaranteed or endorsed by, any bank or savings association. 任何担保都取决于发行公司的赔付能力和财务实力.
年金收入的提取按普通收入征税，如果在59岁半之前提取，可能需要缴纳退缴费和10%的联邦税罚款. 投资期权的投资回报和本金价值不能得到保证. 因为可变年金子帐户随着市场情况的变化而波动, 当年金被收回时，本金的价值可能比原来投资的金额多或少.
可变万能寿险保单的现金价值不受保证. 可变子账户的投资收益和本金价值会出现波动. Your cash value, and perhaps the death benefit, 将由所选子账户的表现决定吗. 如果您的提款金额超过保单的基本金额，您可能需要缴纳提款费用，并应纳税. 保单贷款或提取将减少保单的现金价值和死亡赔偿金，并可能需要额外支付保险费以保持保单有效.
可变保险产品和固定保险产品是有区别的. 可变万能寿险提供几个投资子账户，这些子账户投资于本金和回报率波动的证券组合. Also, 与可变万能寿险保单相关的额外费用和收费在终身寿险保单中是没有的, such as management fees. 终身寿险提供固定账户，一般由签发保险公司担保.
A Dilemma
那么，如果你想把现有的保险单或年金合同套现，换成更适合你财务在线赌场排名的保险单或年金合同，你该怎么办呢, 而不必为你积累的财富缴纳所得税?
一种解决方案是“1035交换”，在《在线赌场排名》第1035节中找到. 该条款允许您将现有的保险单或年金合同换成新合同，而不必为旧合同中的累积纳税. This way, 你获得了新的灵活性和延税积累的机会，而不必为你已经积累的东西纳税.
The rules governing 1035 exchanges are complex, 你可能会因旧保单或合约而产生退保费用. 此外，您可能需要为新保单或合同支付新的销售和退保费用. 这可能是值得你花时间寻求财务专业人士的帮助来考虑你的选择.
虽然不能保证与在线赌场排名专业人士合作就能改善投资结果, 财务专家可以评估你的目标和可用资源，并帮助你考虑适当的长期财务策略.
可变年金及可变万能寿险以招股书方式发售. 请在投资前仔细考虑投资目标、风险、收费及费用. The prospectus, 其中载有有关可变年金及可变万能寿险合约及相关投资选择的资料, can be obtained from your financial professional. 在决定是否投资之前，一定要仔细阅读招股说明书.
The information in this newsletter is not intended as tax, legal, investment, or retirement advice or recommendations, 而且，为了避免任何联邦税收处罚，它可能不会被依赖. 我们鼓励你向独立的税务或法律专业人士寻求指导. The content is derived from sources believed to be accurate. 所提供的信息或所表达的任何意见均不构成对购买或出售任何证券的征求. 本材料由Broadridge Advisor Solutions编写和准备. © 2024 Broadridge Financial Solutions, Inc.