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r.brozoski | What to do if i have a life insurance policy that is matured? |
the insurance co is american family life assurance company out of georgia . i dont know what to do with it can i cash it in. |
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floozy_niki
|
Life insurance policies do not 'mature'. Only endowment policies have maturity values. If you have a policy that states a maturity date, then it is an endowment plan and you should cash it in. |
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norwegianblue
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Your best bet would be to order an inforce illustration from the insurance company and take it to the agent who you orginally purchased the plan from or a new insurance agent. If it is a permanent plan (ie not term) Then you can 1035 the cash value into a new policy and avoid a taxable event. Depending on how old the policy is and what type it was you may be able to buy more coverage than you originally had. If yoiu just cash it out you may run into tax implications If it is a whole life plan and it is paying dividends then you may be able get them paid in cash. You should really consult either an insurance agent, or a financial advisor if you have one. It won't cost you anything. |
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onlyupfrmhere
 |
Matured usually means you have attained the age of pay out (usually death or 100) or it is a paid up policy. Paid up usually means you agreed to pay for 10, 15, 20, etc... years on it before it became a universal whole life policy. As you r agent what the information you received means. |
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Ron@InsureMe
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Term insurance is a policy with a set duration limit on the coverage period. Once the policy is expired, it is up to the policy owner to decide whether to renew the term life insurance policy or to let the coverage terminate. This type of insurance policy contrasts with permanent life insurance, whose duration extends until the policy owner reaches 100 years of age (i.e. death).
These type of policies provide a stated benefit upon death of the policy owner, provided that the death occurs within a specific time period. However, the policy does not provide any returns beyond the stated benefit, unlike permanent life insurance policies, which have a savings component that can be used for wealth accumulation.
In other words, if you had a term policy then it would have paid someone if you died. Then that policy expires and noone gets anything. If you had a universal or whole life policy then it doesn't mature until age 95 to 100.
Try getting an instant quote below. Policies start at as little as $3 per month.
Life Quotes: http://www.insureme.com/landing.aspx?Refby=615159&Type=life
Take care,
Ron @ InsureMe |
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Modus Operandi
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depends on the insurance contract. Some insurances are just paying for the chance of death, others will give you a payout, but it sounds like you have term insurance that wouldn't have a payout attached. I'd read the contract and contact the company if I were you. |
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insuranceguytx
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If it was a term policy, then you no longer have insurance unless you had and exercised the option to convert the policy to a UL or whole life.
If it was a Universal Life (UL) policy, then the cash in the policy is yours.
Talk to an accountant or financial planner about the tax implications of taking the cash. |
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lennie
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Usually when you cash in a policy, you only get what its worth, not what your beneficiary would get. But you could cash it in and open and IRA for your retirement Call your insurance co. and see what your options are. |
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