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About Different Types of Life Insurance
How Do Life Insurance Commissions Work?
How Do Life Insurance Policies Work?
How Does Life Insurance Work?
How to Buy Variable Universal Life Insurance
How to Cash in a Life Insurance Policy From Work
How to File a Life Insurance Claim
How to Get Credit Life Insurance on a Mortgage
How to Use Dividends in a Whole Life Insurance Policy
What Type of Life Insurance Is Best for Me?
Why Do You Need Life Insurance?
What Is Temporary Life Insurance?
What Is Permanent Life Insurance?
How Does Occupation Affect Life Insurance?
How Does Age Affect Life Insurance?
How to Use Life Insurance as an Investment
Differences Among Life Insurance Companies
How Do Life Insurance Companies Determine Premiums?
Good & Bad Term Life Insurance Policies
Why Do Life Insurance Companies Charge Different Premiums?
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Summary: To use life insurance as an investment, obtain an insurance policy that builds cash value, such as a universal policy, a whole life policy or a variable universal life policy. Use the cash that is made from premium investments of an insurance policy with tips from an insurance broker in this free video on life insurance.
Vic Schumacher is part of HPE Financial Services, a brokerage insurance company representing all major carriers. He works with businesses, families and individuals, helping them to...read more
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"Hello, my name is Vic Schumacher, the company is HPE Financial Services. Someone recently asked me the question, how do you use life insurance as an investment? Well, it can be used as an investment, it should not be your primary investment; however. The type of policy that you should obtain is one that builds cash value. That could be a universal policy, it could be a whole life policy, it could be a variable universal life policy. There are a variety of different policies out there that build cash value. Some are risky, some are not. But if it does build cash value, that would be how you would use it as an investment. What you can do is have a permanent policy like this, pay in to it for a period of time, it builds cash value over a period of time, and then as you get older, and the death benefit is what's going to take place then, you can with draw some of that cash value as a loan from the policy. Let's just say the cash value is built up to be several hundred thousand dollars, you can draw down that several hundred thousand dollars in one lump sum or over a variety of period of time, and get some of that cash value out and live on it. Then it has become a asset for you. The death benefit is still there, in the event that you die, the beneficiary will still receive whatever that benefit is, but the cash value has now built, and it has become a, like a large savings account for you. So there's a lot of advantages to using a life insurance policy as an investment. It should not be your soul investment; however. If you want a policy that does build cash value, contact a broker agent that represents a variety of companies. Let them guide you through the best ways to do this. My name is Vic Schumacher, company is HPE Financial Services, helping people every day."
eHow Article: How to Use Life Insurance as an Investment
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