Browsing Tag teacher financial planning

Is it Time To Convert To A ROTH IRA?

June 25th, 2013 // 4:41 pm @

Do you know you don’t pay income tax on any earnings on a Roth IRA when they’re withdrawn if the Roth IRA has been in force for five years and you are 59 1/2 or older? Talk to your Horace Mann representative to see if now may be the time for you to consider converting […]

Category : Blog

Borrowing From Life Insurance Cash Values

January 17th, 2012 // 9:34 pm @

Permanent life insurance builds up cash value that becomes part of the death benefit. In difficult times, policyholders can use the cash value to cover insurance costs or as a source of funds by borrowing or withdrawing the money. Fact: Life insurance cash values serves as a source of available capital to individuals, especially when […]

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Do You Have a Will?

November 15th, 2011 // 3:04 pm @

Wills and other properly drafted estate-planning documents put you, instead of the courts, in control of the way your assets will be distributed after you pass away. Yet only a third of Americans have made wills. Acting now will reduce the cost and burden to your heirs of transferring your assets. Estate-planning essentials An estate […]

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Limits just part of protecting your assets

October 17th, 2011 // 9:24 pm @

The liability insurance coverage in your home and auto insurance provide portection for property damage and bodily injury in which you are held responsible, but only up to your policy limits. In this age of frequent lawsuits and staggering monetary awards, you could be sued fora larger amount than your limits. Ask yourself: Would you […]

Category : Blog

Expanding Horizon 5

September 15th, 2011 // 12:54 pm @

Take a look at our interest rate bonus… Horace Mann Life Insurance Company is offering a promotional interest rate bonus on new Expanding Horizon 5 fixed annuity contracts issued Aug. 2 to Oct. 31, 2011. The promotional interest rate bonus lasts for one year from the date the contract is issued. This product already offers […]

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