Managing Your Estate
You've worked hard to make and keep what you've earned. Managing your estate to maximize your impact is an important goal.
How can you protect your estate?
Life Insurance
You can gain confidence knowing your survivors can replace your income with a life insurance policy. It can also be used to replace money that is needed for expenses and taxes following your death. In addition, you can gift your policy to a charity.
You Can Talk To Your Adviser About…
- The way life insurance can help you manage your estate.
- How your policy can provide income to your survivors, pay off a home mortgage, provide for a child's higher education, help the charities of your choice and make the transfer of assets easier.
Mutual Funds
In managing your estate, keep in mind the role of mutual funds that have increased in value. You can gift them and receive an immediate tax deduction and avoid paying capital gains taxes that would beowed if you sold the assets.
You Can Talk To Your Adviser About…
- Gifting an appreciated asset, such as a mutual fund. Determining the value is as easy as checking the daily newspaper, getting the information online or contacting your financial adviser.
- How mutual funds are typically simple to transfer from a brokerage account to another person or to a charity.
How John Hancock Can Help: Emily's Story
Emily
I didn't know that when Grandpa died I'd inherit this much money from his life insurance policy. There is a lot I want to do with it but I didn't feel that confident managing it.
Emily and her husband
I want the money to help my husband and me and support the charitable groups that mean so much to us. However, I was simply overwhelmed with investing options.
Emily, her husband and their financial adviser
We're delighted that our adviser helped us determine the most appropriate investment options based on our goals. I'm proud that I'm confidently managing this unexpected gift from Gramps.
Emily's story is a hypothetical situation.
Financial Solutions
Estate Planning for Everyone
Some people think that estate planning is only for the wealthy. But it doesn't really matter how much or how little you have accumulated.
Products To Help With Managing Your Estate
Mutual Funds
Choose from a wide range of options to match your goals, timeframe and comfort level with investment risk.
Learn more »Insurance products are issued by: John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.
This material does not constitute tax, legal or accounting advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. It was not intended or written for use and cannot be used by any taxpayer for the purpose of avoiding any IRS penalty. It was written to support the marketing of the transactions or topics it addresses. Comments on taxation are based on John Hancock's understanding of current tax law, which is subject to change. Anyone interested in these transactions or topics should seek advice based on his or her particular circumstances from independent professional advisers.
Insurance policies and/or associated riders and features may not be available in all states.
--------------------------------------------------------------------------------------------------------------------------------------------------------------------A fund's investment objectives, risks, charges and expenses should be considered carefully before investing. The prospectus contains this and other important information about the fund. Please read the prospectus carefully before investing or sending money. These products are available for sale only within the United States.