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Higher Education Institutions Implementing Changes to Improve Retirement Readiness of Employees

Higher Education institutions are responding to the shifting retirement landscape by adopting practices more commonly seen in the corporate sector, such as working with plan advisors, monitoring the retirement readiness of employees, implementing automatic enrollment features and streamlining retirement plans, according to a research report released today by Transamerica Retirement Solutions. The report, Retirement Plans for Institutions of Higher Education, was created from interviews with 117 retirement plan sponsors in the Higher Education sector.

Advanced Markets

… you guidance on advanced retirement, estate, and tax strategies. Resource spotlight IRS Form 1040 review guide   Reviewing your clients’ 1040 form may enable you to provide personalized … and required minimum distributions Investment-only strategy Pass-in-kind strategy Restricted beneficiary payout Tax-deferred growth Charitable remainder trusts Spousal lifetime access trust …

Agent resources

… more sales Say this, not that Speak their language Insurance review checklist Manage life changes Beneficiary review worksheet Do client checkups Financial strategies for those living with …

The tax benefits of cash value life insurance

… may also offer tax advantages, such as a federal income tax-free death benefit to your beneficiaries in most cases. With a cash value life insurance policy, you could also earn … This is called a death benefit, which is typically paid federal income tax-free to your beneficiaries. 1 But did you know that some types of permanent life insurance, like whole life, … If the policyholder has a financial interest in the business or is the direct or indirect beneficiary, the company can’t deduct those costs. 3 Are life insurance proceeds taxable? If …

Why Homeowners Want Mortgage Life Insurance

Why it matters Mortgage protection insurance is a type of term life insurance designed to take care of your mortgage, so loved ones won’t have to worry about paying it off...

Understanding final expense life insurance

… truly be spent on anything. There aren’t any rules mandating what the money must cover, so the beneficiary is free to use it for mortgage payments, taxes, medical bills, savings, college … periods, premium costs, and other coverage limitations and exclusions that could impact your beneficiaries.   1  “ Survivors Benefits ,” SSA.gov, January 2024 2 “ Statistics ,” National … dealers. Transamerica Resources, Inc. does not offer insurance products or securities. The information provided is for educational purposes only and should not be construed as insurance, …

4 annuity facts that might surprise you

Why it matters This article will help you learn what annuities are, how they work, and what they can offer. Today’s annuities may provide more than retirement income – they...

A Millennial Perspective on Caregiving

… activities and not have to handle home maintenance?” The answers to these questions should form the advice you, as a financial planner, would give your client about how to prepare for … Transamerica Resources, Inc., does not offer insurance products or securities. The information provided is for educational purposes only and should not be construed as insurance, … questions. Budget Longevity Savings Related Articles A Millennial Perspective on Estate and Beneficiary Planning Living with Diabetes: Tips to Enjoy the Holidays Healthfully Fixed Income …