Mercredi 6 Juin 2018 | Suivez en DIRECT le Journal PREMYE OKAZYON sur caraïbes FM - 48ème assemblée OEA, Haïti a voté - Ce qui nous attend après ce vote - Toutes les infos en DIRECT

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Mercredi 6 Juin 2018 | Suivez en DIRECT le Journal PREMYE OKAZYON sur caraïbes FM - 48ème assemblée OEA, Haïti a voté - Ce qui nous attend après ce vote - Toutes les infos en DIRECT

Autres Information - Participation d'Haiti à la 48ème assemblée de l'OEA - Les détails dans la VIDÉO ci dessous...

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The Pitfalls of Life Insurance Loans


If you do decide to take out a loan against your insurance policy, there are some potential pitfalls you should be aware of.
The cash value of an insurance policy builds over time, so there might not be sufficient cash value available to borrow against if you want to take out a loan in the first years of the plan.
While there is no requirement or timetable to pay back the loan, the interest on the loan will continue to accrue on the outstanding balance. If the policy owner dies before the loan is paid back, the death benefit will be reduced by the outstanding loan amount.
The accruing interest on the loan balance could put the policy in jeopardy of lapsing if the loan amount ends up exceeding the cash value of the policy, so even if you decide not to pay the loan back in full, it is generally advisable to at least pay the interest to keep the loan amount from growing.
A permanent life insurance policy can prove a useful tool if you need a quick way to get cash, but be mindful of the impact the loan can have on the policy and on the benefit your beneficiaries will receive should the loan not be paid back in full.


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