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Employer Life Insurance Claymont DE

Local resource for employer life insurance in Claymont. Includes detailed information on local businesses that provide access to employer-sponsored insurance, employer liability insurance, small employer health insurance, and information on insurance requirements for employers, as well as advice and content on group health insurance.

Frank M. Levy (RFC®), CHFC, CLU
(302) 765-3500
205 Philadelphia Pike
Wilmington, DE
Company
Diversified Financial Consultants
Qualifications
Years of Experience: 34
Membership
IARFC, MDRT
Services
Invoice, Estate Planning, Business Planning, Pension Planning, Executive Compensation Planning, personal Coach, Retirement Planning, Tax Planning, Employee Benefits, Stocks and Bonds, Mutual Funds, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Group Insurance, Charitable Planning, Education Plan, Asset Protection, Compensation Plans

Data Provided by:
Bill Curry
1521 Concord Pike
Wilmington, DE
Company
Company: Curry Poole Group, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
BS
MBA
JD
Years Experience
Years Experience: 42
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Portfolio Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Man

Data Provided by:
Brian K. Lureen (RFC®), CHFC, CLU
(610) 889-2066
5 Great Valley Pkwy Ste 334
Malvern, PA
Company
Heritage Advisory Services, Inc.
Qualifications
Education: BS
Years of Experience: 21
Membership
IARFC, FPA
Services
Invoice, Estate Planning, Business Planning, Portfolio Management, Trustee Service, Pension Planning, Executive Compensation Planning, Retirement Planning, Tax Planning, Tax Returns, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CommOptions, Annuities, Life Insurance, Disability Income Insurance, Long Term Care Insurance, Charitable Planning, BuySell, Compensation Plans

Data Provided by:
Philip M. Harris (RFC®), LUTCF
(215) 557-7622
1800 John F. Kennedy Blvd., Suite 460
Philadelphia, PA
Company
Financial Integrity Resources Management, LLC
Qualifications
Years of Experience: 22
Membership
IARFC
Services
Invoice, Estate Planning, Portfolio Management, Pension Planning, Retirement Planning, Seminars Work, Employee Benefits, Stocks and Bonds, Mutual Funds, Mortgage Loans, CD Banking, Annuities, Life Insurance, Long Term Care Insurance, Medical Insurance, Group Insurance, Charitable Planning, Education Plan, Compensation Plans

Data Provided by:
David Waters
1429 Walnut Street
Philadelphia, PA
Company
Title: Vice President
Company: Professional Planning Associates
Type
Investment Advisor Rep: Yes
Education
Dickinson College/BA in Economics
Years Experience
Years Experience: 30
Service
Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Fee Only Portfolio Management,High Yield Bank Accounts,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Life Insurance,Investment & Portfo

Data Provided by:
Jeff Bonifacino
1521 Concord Pike
Wilmington, DE
Company
Title: Financial Advisor
Company: Rockwell Associates
Years Experience
Years Experience: 26
Service
Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulatio

Data Provided by:
Keith Al-Chokhachy, Certified Financial Planner(tm)
2751 Centerville Road
Wilmington, DE
Company
Title: Certified Financial Planner"
Company: Morgan Stanley Smith Barney
Years Experience
Years Experience: 8
Service
Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rol

Data Provided by:
Shane Couturier
958 County Line rd.
Bryn Mawr, PA
Service
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Disability Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Annuities,Alternative Asset Class Planning,Investment Con

Data Provided by:
Chris McKee ChFC.
747 Constitution Drive
Exton, PA
Company
Title: Managing Partner
Company: uFinancial Group
Type
Investment Advisor Rep: Yes
Education
Undergraduate - University of Miami
Graduate School - Temple University
The American College
Years Experience
Years Experience: 25
Service
Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,401k Rollover From Employer,CD Alternative,Disability Insurance,Investment & Portfolio Management,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Annuity Ideas & Strategy Planning,Planning For Personal Finances &

Data Provided by:
Patricia Egberts Inc.
(856) 481-4817
1575 Almonesson Road
Deptford, NJ
 
Data Provided by:

Business Tax Deduction - Life Insurance

Business Tax Deduction - Life Insurance

Life Insurance is a fairly common and accepted part of the risk management of any good personal or business financial plan. It is not, however, a valid business tax deduction.

In any personal or business financial plan, risk management plays an important part. Insurance is the primary mover in most risk management plans and the premiums paid for insurance on your inventory, physical buildings, and all types of liability are valid business tax deductions that can reduce your business tax liability. Life insurance is the one type of policy that is excluded from this. The premiums paid for Life Insurance policies are not tax deductible.

Other types of insurance could also include unemployment insurance and workman's compensation insurance. These common forms of business insurance are closely regulated and any funds spent on them are obvious tax deductions. The fact that most forms of insurance premiums are almost automatic business tax deductions often fools small business owners into thinking that their life insurance premiums are deductions also.

There is a good argument for this to be so. Small business owners especially are usually closely associated with the success or failure of their own business. In other words, if they die that usually spells the end of the business. This is the purpose, of course, of the small business owner wisely insuring his life. It is his hope that in case of his death not only will his dependents be protected, but the business will be able to survive his loss. Although this seems to indicate that life insurance is almost a business necessity for the small business owner, the tax codes and rulings of the IRS are what determines deductions.

There are some cases where life insurance premiums might be considered a business tax deduction. This would be when the small business purchases life insurance on some of their key employees. The risk management idea here is that the insurance is s...

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Self Employed Health Insurance Deduction

Self Employed Health Insurance Deduction and Cobra

There is no disputing that health insurance can be a night mare for the self-employed. This raises the issue of the self employed health insurance deduction and Cobra.

Self Employed Health Insurance Deduction and Cobra

Health insurance is one of the primary concerns for all self-employed business owners. When working as an employee for a company, health and dental insurances are usually provided to some extent by that company. However, many home business owners become concerned when leaving those companies to form their own businesses due to the loss of this health insurance. And if that wasn't a major concern in itself, even employees for major businesses are losing health insurance. Numbers of uninsured workers have risen due to the expensive costs of health insurance.

Despite this, there is good news for those who leave a company to run their own. An act known as the Consolidated Omnibus Budget Reconciliation Act, or COBRA, was passed that allows departing workers to buy health insurance through their employer's group plan. What this means is that those who are leaving a company can still buy insurance from their former employer. The benefits of this can be extensive for those looking to form their own companies but who are dismayed due to the potential loss of health insurance.

However, don't think that COBRA will be cheap. Many who go through COBRA to obtain health insurance are extremely surprised with the rat...

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