The ILIT will borrow money each year to pay the life insurance premiums for that year.
Your monthly payments for your home equity loan, car loan, or mortgage will include the credit life insurance premiums.
Ask yourself: Do you really need your life insurance premiums back, as opposed to some other pot of money at retirement?
Older investors (concentrated abroad) need steady returns, lending to younger generations through bank deposits, bond purchases and life insurance premiums (which are reinvested in growth).
For this and other reasons, foreign joint ventures, despite their number, accounted for only six percent of annual life insurance premiums paid in China in 2010.
And in the face of the internet, their informational advantage is shrinking everyday as evidenced by, among other things, the price of coffins and life insurance premiums.
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However, you may be able to exclude some of the costs of employer-provided life insurance premiums from income if they are part of a group term life insurance plan.
Improving your health or changing careers may come with an added benefit: You could save on your life-insurance premiums.
According to Clarence Wong of Swiss Re, a reinsurer, life-insurance premiums in the first seven months of this year were 39% higher than in the same period in 2002.
Of course, all of these exclusions from income come with a price: since life insurance is considered a personal expense, you cannot deduct the premiums you pay for life insurance policies on your federal income tax return.
Sanlam, a life assurer, suggests that firms with comprehensive health policies may also avoid sharp rises in life, disability and medical insurance premiums.
In one method, the insured sets up an irrevocable trust to buy a life-insurance policy and pays the premiums by giving sums of money to the trust annually.
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The Elders say that over the life of their Nationwide Insurance policy, their premiums nearly quadrupled.
User fees are charges for items like postage stamps, Medicare premiums, veterans' life insurance policies and electricity rates for power supplied by federal agencies such as the Tennessee Valley Authority.
User fees are charges for items like postage stamps, Medicare premiums, veterans' life insurance policies and electricity rates for power supplied by federal agencies such as the Tennessee Valley Authority (nyse: TVC - news - people ).
In contrast to products such as whole life insurance, health insurance pays brokers fairly modest commissions--generally 10% or so of the premiums--every month.
Its network of 14, 000 agents have made Allianz No. 1 in Germany's traditional life insurance market, with Euro4.2 billion in gross premiums written in Germany in the first half of 2000.
Europe's leading insurance companies rival it in terms of non-life premiums written and balance-sheet oomph.
Better health can also mean higher productivity (which can translate into higher earnings) and lower life, health, disability, and long-term care insurance premiums over your lifetime.
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It has only 1% of life premiums in Italy, Europe's fastest-growing insurance market, 2.7% in Portugal and 3.4% in Spain.
That insecurity may be exacerbated by news that health insurance premiums are rising, making the high-risk life of an independent worker even more unpredictable.
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If you don't pay the premiums, your policy could lapse, and your spouse will end up with neither life insurance nor a pension when you die.
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