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Timothy Steele
Investment Advisor Representative
HBW Advisory Services LLC
3017 Douglas Blvd, Suite 100
Roseville, CA 95661
Phone: 916-550-3456
Cell: 916-250-0953
Fax: 801-527-5618
Email: timothy.steele@hbwadvisory.com
Website: www.myHBWadvisor.com
November/December 2024
The Gift of Life Insurance
In this season of giving, some people want to give more to a favorite charity or organization but don't have the funds to do so. Giving the gift of life insurance is a cost-efficient way to increase your charitable giving.
Your Choice
There are a few ways to give life insurance, some of which may include current or future tax advantages. Talk to your accounting professional to learn more about how you may benefit a charity and receive tax benefits in return.Charitable Choices
One way is to rename a charity as beneficiary, eventually removing this benefit from your estate.Another way to make charitable use of life insurance is to ask your insurance company if it can issue a charitable rider, directing a percentage of the death benefit to a named charity. If, for example, you have a $500,000 policy and you acquire a rider of 10%, the charity would eventually receive $50,000, with your named beneficiaries receiving the remainder.
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