Not exact matches
Among them are the rights to: bullet joint parenting; bullet joint adoption; bullet joint foster care, custody, and visitation (including non-biological parents); bullet status as next - of - kin for hospital visits and medical decisions where one partner is too ill to be competent; bullet joint insurance policies for home, auto and health; bullet dissolution and divorce protections such as community property and child support; bullet immigration and residency for partners from other countries; bullet inheritance automatically in the absence of a will; bullet joint leases with automatic renewal rights in the event one partner dies or leaves the house or apartment; bullet inheritance of jointly - owned real and personal property through the right of survivorship (which avoids the time and expense and taxes in probate); bullet benefits such as
annuities, pension
plans, Social Security, and Medicare; bullet spousal exemptions to property tax increases upon the death of one partner who is a co-owner of the home; bullet veterans» discounts on medical care, education, and home
loans; joint filing of tax returns; bullet joint filing of customs claims when traveling; bullet wrongful death benefits for a surviving partner and children; bullet bereavement or sick leave to care for a partner or child; bullet decision - making power with respect to whether a deceased partner will be cremated or not and where to bury him or her; bullet crime victims» recovery benefits; bullet loss of consortium tort benefits; bullet domestic violence protection orders; bullet judicial protections and evidentiary immunity; bullet and more...
Offers checking and savings, term share certificates, and IRAs, as well as mortgage, home equity, automobile and personal
loans at competitive rates; tax deferred
annuity and investment program flexible pre-tax investment
plans with tax - deferred earnings and access to top mutual funds from Fidelity Investments, Scudder, TIAA - CREF, and the Vanguard Group.
Other than a few restrictions such as limitations on using funds for estate
planning service firms and certain
annuities or insurance products, the
loan proceeds could be used for anything you choose.
If you know how much you
plan to invest each year and the fixed rate of return your
annuity guarantees — or, for
loans, the amount of your payments and the given interest rate — you can easily determine the value of your account at any point in the future.
(Note:
loans are not available from
annuities except for those issued through certain 403 (b)
plans.)
Incidents of Ownership In life insurance and
annuities, the right to exercise any of the privileges of policy ownership, including the right to change beneficiaries, withdraw cash values, take policy
loans, make assignment, etc.) Incidents of ownership can be major estate
planning factors for policyowners who wish to transfer policy ownership from themselves to another person or a trust, thereby removing the policies from their estates.