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New Braunfels Herald-Zeitung (Newspaper) - August 30, 1987, New Braunfels, Texas WflilA Commerce Industry New Texas August Financial Focus Buy insurance with purpose in mind 1000 SuittF Editors note This is the first of two articles on selec ting life Most lite insurance is not Thats not in tended as a play on If it werent for life in surance sales most of us would have little or no income After there are too many things to buy while were living to worry about protection when were for someone has to sell us on the need to protect our dependents in the event of our premature Like any financial learn the facts before you To help with the National Association of Insurance an association of state in surance regulatory publishes the Life In surance Buyers The guide does not endorse or recommend any company but rather discusses life in surance is generic terms and is designed to help you save money when shopping for life Before or being any life you should first decide how much you how much you can and what kind of policy you find out what various companies charge for that kind of All life insurance companies do not offer the same policies nor do they charge alike for similar pro Its up to you to be an informed The primary purpose of all life insurance is to provide cash and income for your dependents after youre but theres no magic formula to tell you how muchyou Life insurance should provide cash for final taxes and other immediate In it should offer added income for a familys living education and future Its purpose is to fill the gap between what your family would have if you died now and what they would NAIC cautions in the guide that to get the proper pro tection for the money its necessary to select the right insurance for All life insurance policies promise to pay your beneficiary a set amount at your but that amount varies depending on the type of policy you There are three basic types of life insurance term whole life insurance and endowment in surance and each is designed for a different Every life insurance policy contains one of these or a combination of these or a combination of the Term insurance is pure death protection for a specified term or It pays only if you die dur ing that Since its only just as your homeowners or auto it offers the largest death benefit for your When considering term in investigate the renewable feature which allows you to renew the policy for additional usually without regard to any health Premiums on term insurance increase at older ages so if you plan on keeping the insurance for many learn the overall cost of straight term or consider one Appraisal Notes Not all companies are the and often one may far surpass its with a convertible This allows you to trade the term insurance for a whole life or endowment policy at some future Of if the conversion is the premium Whole life unlike term gives protection for as long as you Ordinary life generally maintains the same premium even as you grow The initial premiums are much higher than you would pay for the same term protection if you plan to keep your insurance many the overall cost could be There are variations of whole life Insurance which allow you to reduce your premiums to a shorter period of On you generally pay premiums for 20 years or until you reach age the premiums are larger because you pay them for a shorter Another feature of whole life is the cash value or savings after the first year or when the original cost of buying the insurance has been absorbed from each premium you the remainder goes into cash This cash value can accumulate very earning a very low rate of interest which will be determined by the policy and company you if you choose whole life to enjoy the cash value in vestment its important to review the cash value experience of the company before you Cash value tables are part of your These tables show exactly how much cash value youve ac cumulated at the end of any Not all companies are the and often one may far surpass its com The cash value also offers such benefits as col lateral for a loan either from an outside source or directly from your If you borrow your own cash value through a policy the interest on the loan is specified In your If you die while the loan is the money owed is deducted from the death benefits If you decide to quit paying premiums while the loan is the loan is deducted from the cash The third type of endowment offers the least amount of death protection for your Its designed to pay a regular income to the policy holder up to a certain Should the Insured die before the death benefit is paid to the The premiums are higher than those of either term or whole life There are numerous variations of these three types of insurance depending on the company you In surance companies have become very innovative and competitive as the investing public becomes more Once youve decided how much and what kind of in surance you its to your benefit to shop so get all the facts before you Studio 7 owner and director Elizabeth leads a class In aerobics Photo by Deryl Studio 7 offers variety of aerobic classes Studio 7 Aerobics open at 1492 81 since will begin its fall schedule on We will offer seven seven days a said owner and director Elizabeth Classes range from Rocking Out for those between 13 and 18 to Mom Aerbocis for preand postnatal aerobics en Holland moved to New Braunfels from Houston in 1985 and has taught aerobics for six Holland is cer tified and is a member of the Interna tional Dance Exercise Aerobics and Fitness Association of and Fitness Association In structors Network for Excellence in Holland said she attends several workshops each year to keep up with the latest training Her classes currently feature PNF stret cross rubber band and ruutins with heavy Our philosophy is proper diet and sensible Holland said We also offer diet and exercise seminars presented by our advisory I have combined my love for dance with my knowledge and in terest in fitness to create a totalbody All instructors at Studio 7 are cer All classes are low I inllfiecl and hold current cardio she pulmonary resuscitation certificates Oarryl CPA BOOKKEEPING AND TAX CONSULTANTS MONTHLY FINANCIAL STATEMENTS CASH BASIS Up to 125 INVOICES GOOD FOR SIX MONTHS I 1000 Suite 202 6291922 AMHMH MHi flIB HB Homeowner has many responsibilities Question I purchased a home in Coma County in August and just received a delinquent tax state ment from the school I thought the title company was sup posed to notify the appraisal district of any change of If why did I not receive my tax statements on before penalty and interest were due AH the tax statements should have gone to the mortgage Who is responsi ble for notifying them I was also told that I should receive a homestead but it doesnt Business Briefs appear to be reflected on this tax Christian Academy ribbon cutting New Braunfels Christian Academy U capping off many months of hard work with a ribbon cutting ceremony at the new school at 10 Monday at 995 Mission Hills just off Greater New Braunfels Area Chamber of Commerce tiger team plue Coats are MHMR opening mtntai addition The Mental Health Mental Retar dation Center at oil North will host an open house and ribbon cutting ctremjpnies 9 for Hs addition of mental health The ribbon cutting if ft 5 with the open 4 30 Chjmbf r o Blue Coat bulldog team is Answer First of it is the pro perty owners responsibility to make sure that the appraisal district has the correct The title company does not notify either the appraisal district or the mortgage company of ownership Once the transaction has been com the title company does record the deed at the county clerks and the appraisal district picks up the transfer from the county clerks The process can take from several weeks to several so the new owners should notify the appraisal district of the change as quickly as and make sure that the appraisal district has the correct mailing This is especially true if tax bills are soonto be The appraisal district is required to complete all deed transfers at least through 1 of each tax From a practical transers are worked until the roll is certified in Since you purchas edyour home in it would have been necessary for you to notify the appraisal district of the transfer in order for that years statements to be sent to you or your mortgage com The title company also does not notify the appraisal district of the specific lender This in formation comes from the mortgage usually in May or Since your purchase was in notification would have to be supplied by you for the current tax It appears from your letter that you would probably not quality for a Residential Homestead but this is NOT You must apply for the exemption with the ap praisal district after 1 of the year following your There are other exemptions available for property so you should visit with the appraisal district staff for this and any other questions you might Remember to check the value assigned to your and to render your opinion of value Rendi tion forms are available at the ap praisal district and may be submitted from Jan 1 through March 31 each year In it is important to remember to Notify the appraisal district im mediately of correct ad and mortgage company Apply for exemptions on Jan 1 of year following 3 Check value assigned to your property File rendition and opinion of value between 1 and March 31 of year following Knibbe There is never a Bad Time to Make a Good Vice President Low Load Mutual Funds Plan Specialist Investment Managed by a prestigious money man agement in the top Founded in Knibbe Financial 755 Loop 337 Suite D New 78130 Sollbvrf Investment Broker SifK Edward Jones Mtmbfft New York Stock Securities Protection Corporation STAN CUNNINGHAM Utd Partner Ladies Only Investment Seminar 2 i m Herb Schneider Room wo Walnut Suite F ill 1214011 TX 71110 is there for you with ScrappooK FRANCES BRIDGES Radio A DIVISION OF TANDY CORPORATION Lightweight Handheld 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