What are 1035 Exchanges?
A Section 1035 Exchange refers to the replacement of an annuity or life insurance policy for a new one without incurring any tax consequence for the exchange. The IRS allows holders of these types of contracts to do this in order to replace outdated contracts with new contracts with improved benefits, lower fees/cost of insurance and different investment options.
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There are five major categories of annuities — fixed annuities, variable annuities, fixed-indexed annuities, immediate annuities and deferred annuities. Which is best for you depends on several variables, including your risk orientation, income goals, and when you want to begin receiving annuity income.
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Calculating Your Life Insurance Needs
Before you apply, you have to do some groundwork. One of the most important things to do is add up how much life insurance your family needs.
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Independent Insurance Agents vs. Captive Insurance Agents
There are 2 types of life insurance agents: Captive and Independent. Learn the difference to decide what is best for you.
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Insurance for Business
Whether you’re looking to offer your employees a comprehensive benefits package, protect your business from the unexpected, or plan for life after the business, GK Insurance Group can help. Through our Business Owner, Workplace, and Institutional Solutions, we’re able to help you get to where you want to go with your business.
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Life Insurance Overview
A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insured's death.
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Types of Insurance
Disability Insurance
Individual Disability Insurance
Hybrid Long-Term Care Policies
Traditional Long-Term Care Insurance
Types of Life Insurance