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Life Insurance Corner

Whole life is the most versatile financial instrument ever devised for the protection of families and businesses and the creation and enhancement of wealth. To appreciate the great values of this type of life insurance protection, this article explores how it works, its uses, its benefits and the options you have in structuring a contract to meet your specific needs, and why Auto-Owners Life Insurance is the company of choice.

“Whole life provides lifetime insurance protection with significant guarantees and tax benefits…”


Walt Disney, unable to land a substantial bank loan, used the cash value from his whole life policy to build a sprawling theme park that is now known to the world as “the happiest place on earth.”

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If you watch television you are probably familiar with commercials for the Gerber Grow-Up® Plan.  “For just pennies a day, you can help your child get off to a good financial start!”  Doesn’t that sound like a fantastic idea? As parents, isn’t it our job to help plan for our children’s’ future and get them started on a track to financial security? Gather your pennies and listen up!

I compared the nationally advertised plan to a similar plan offered by the Kasmann Insurance Agency through Auto-Owners Insurance.  While both plans are somewhat similar in design, there are advantages to one over the other.

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For many years, especially when the estate tax exemption was low, the focus of estate planning strategies with life insurance often shifted to how the minimum premium can be leveraged for maximum death benefit. With the 2017 estate tax exemption at $5.49M for individuals and $10.98M for married couples, the time may be ripe for the planning pendulum to swing back towards a balance between securing the proper amount of death benefit and the opportunity for cash accumulation in permanent life policies.

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