ࡱ> MOL7 i bjbjUU k7|7|9/lxxxx4DppppDg " ~$ n ^g  xxG xl~ ~ @ V@,j dj`D,p R j0^  j DDxxxxIs your life insurance agent getting some commission that could be yours?   Wise life insurance buying You have the power to negotiate how much money you keep from the premiums you pay for life insurance. Use that power to your advantage. Some commission can eat up 90% or more of the first year premium you pay for life insurance. When your agent makes less commission, you have more money available to borrow from your policy and you have more money to take with you if you cancel. Heres an example. You purchase $100,000 of Universal Life, a policy that accumulates cash for your account each year. You look at two policies. One pays the selling agent 55% commission, the other no commission. You pay a fee to that agent instead. If you need to cancel your policy after one year, the policy with the commission would pay you $0. The policy with the fee only, would pay you a surrender value of over $1,400. Over a period of 20 years you would have $10,000 more in your account with the fee only policy than the policy that pays a commission. The fee charged you is usually much, much less than commission built into the policy. Be a discriminating buyer. Dont buy a life insurance policy where the commission is more than 50% of the first years premium. You have choices. Some insurance companies issue the very same policy, with the only difference being the commission and the cash buildup in your account. Certainly your agent is entitled to pay for services, but when you have the knowledge of how that part of life insurance works, you have the power to get the best deal for you. There are policies that combine term (pure death insurance) with cash accumulation. There is little commission paid on the death portion and the other portion has a smaller charge for the death part because that is taken care of in the term insurance part of your program. You accumulate money in your account faster with this type policy. You spend a great deal of money on your insurance. Ask your agent to disclose how much he or she makes on your policy. After all, its your hard-earned money.  Geared for Success 3 minutes to insurance understanding Save money and cover your fatal gaps. 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