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Table of Contents:
Chapter 1:
The life insurance policy
Introduction
Insurable interest
Policy application
Incontestable clause
Suicide clause
Contract interpretation
Jurisdiction
Effective date of insurance
Grace period
Reinstatement clause
Non-forfeiture provision

Chapter 2:
The types and features of life insurance policies
Term life insurance
Endowment insurance
Whole life insurance
Current assumption whole life insurance
Adjustable life insurance
Universal life insurance
Variable life insurance
Variable universal life insurance
First-to-die life insurance
Second-to-die (Survivorship) life insurance
Optional policy provisions and riders

Chapter 3:
How to evaluate and compare life insurance policies
Evaluating a policy
Comparing policies

Chapter 4:
How to evaluate and compare life insurance companies
Evaluating an insurance company
Comparing companies

Chapter 5:
The federal tax treatment of life insurance
The federal income tax treatment of life insurance
IRC 7702 Definition of life insurance
Cash value accumulation test
Guideline premium and cash value corridor tests
Consequences of failure to meet the tests
Premiums
Dividends
Cash values
IRC 7702A Modified endowment contracts
Policy loans and interest
Policy exchanges
Accelerated death benefits
Death proceeds
Transfer for value rule
Settlement options
Alternative minimum tax
Federal estate tax treatment of life insurance
Federal gift tax treatment of life insurance
Federal generation-skipping tax treatment of life insurance

Chapter 6:
Traps and pitfalls to be avoided
Introduction
Multiple owner cases
Third party owner not beneficiary
Trustee purchases of life insurance to avoid estate tax
Trustee for a minor beneficiary
Oral trusts
Transfer for value rule
Cross purchase buy & sell agreements
Gift of a policy subject to a loan
Starting or terminating split dollar arrangements
Insurable interest and charitable gifts of life insurance

Glossary

Reference Guide

96 pages, Soft Cover