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Newspaper
Aiken Standard
Location
Aiken, South Carolina, United States of America
Date
Jun 27, 2010
Page
30
A discussion of Section 1035 of the Internal Revenue Code notes its advantage for taxpayers by allowing the exchange of an annuity or life insurance policy for a new policy without triggering income tax on gains. It explains cost basis carryover and contrasts with surrender. gains must be reported on surrender with a 1099 form.
A guide explains tax favored exchanges of life insurance and annuity policies, including full and partial swaps, with funds routed by insurers to avoid owner taxes. It discusses benefits such as lower mortality costs, company stability, and new features, plus risks like new expenses and higher premiums if health declined. The piece highlights linked long term care benefits and a sample product offering from a single premium fixed annuity. Greg Roberts, a certified financial planner with 35 years of experience, is referenced for planning questions.
Water fear often stems from parental attitudes and restricted child play. Guidance emphasizes secure handling, early positive exposure, safe environments, nonalarmist talk, and gentle progress to help infants and young children enjoy water without panic. If fear exists, respect feelings, avoid teasing, and progress gradually with supportive water experiences.
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