Flash : C'est confirmé, Le chef de Gang TET KALE est mort après avoir reçu une balle dans les fesses - Témoignage CHOC du chef de Grand Ravine. "La justice l'a libéré pour une mission, mais nous lui avons...

Flash : C'est confirmé, Le chef de Gang TET KALE est mort après avoir reçu une balle dans les fesses - Le Témoignage CHOC du chef de Grand Ravine ci-dessous...

Autres Précisions avec Guerrier Henri - Les détails ci-dessous...

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Minor life insurance beneficiary And Loans

One of the best reasons for buying life insurance is to provide for children in case you’re no longer around. Here’s the problem: Minors can’t directly receive life insurance money. If you name a child as a beneficiary, “the life insurance company can tie the money up until the kid is 18. Then the child gets it — with no controls,” says Delia Fernandez, a certified financial planner and president of Fernandez Financial Advisory in Los Alamitos, California.

Fernandez recalls one father who named his young son as beneficiary of a $78,000 life insurance policy. The father died, and years later the young man received the funds at age 18. He blew through $57,000 of it on marijuana and trips to Las Vegas with his girlfriend, then had to spend the rest on rehab, she said.

Another young man received $75,000 from a life insurance policy when he turned 18 and immediately bought a sports car. But because he was young, no one would insure it. Nonetheless, he drove it to a party, where it was stolen, Fernandez said. Without insurance to cover the theft, he lost everything in just six weeks. “No one in the family can talk to him about that $75,000,” says Fernandez.