[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-272937-105":59,"doc-detail-272937-en":130},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":123,"head_meta":125,"extra_data":127,"updated_unix":129},105,"en","making-the-most-of-life-insurance-seven-ways-to-give-in-summary","Making the Most of Life Insurance - Seven Ways to Give - In Summary","","Guidance on using life insurance to support charitable giving within long-term estate and financial plans. Explains reasons life insurance is purchased, including security for loved ones, funding estate tax and settlement needs, and enabling meaningful charitable gifts. Provides a set of self-check questions to assess whether a life insurance gift fits current circumstances, then outlines seven practical giving methods, followed by a concise summary of core advantages such as immediacy, convenience, privacy, and potential tax deductibility.",{"@graph":69,"@context":122},[70,84,105],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":35,"@type":76,"position":81},"https://docshare.wps.com/document/healthcare/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/making-the-most-of-life-insurance-seven-ways-to-give-in-summary/272937/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/making-the-most-of-life-insurance-seven-ways-to-give-in-summary/272937.png","ImageObject",300,407,{"name":92,"@type":93},"River Wang","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-23","2026-09-15",true,{"@type":102,"interactionType":103,"userInteractionCount":39},"InteractionCounter",{"@type":104},"ViewAction",{"@type":106,"mainEntity":107},"FAQPage",[108,114,118],{"name":109,"@type":110,"acceptedAnswer":111},"How can life insurance support charitable giving within an estate plan?","Question",{"text":112,"@type":113},"Life insurance can fund charitable gifts immediately after death and can be integrated into long-term estate and financial plans. The document explains that proceeds may be redirected when certain estate-tax concerns change.","Answer",{"name":115,"@type":110,"acceptedAnswer":116},"What questions should you ask to decide whether a life insurance gift fits your situation?",{"text":117,"@type":113},"The document asks whether you have obsolete coverage, whether policies were purchased for purposes no longer needed (such as estate taxes, debts, education, or retirement), and whether the proceeds could be used for charitable interests instead.",{"name":119,"@type":110,"acceptedAnswer":120},"What are the seven ways to give using life insurance?",{"text":121,"@type":113},"The seven methods include naming charitable recipients as beneficiaries, purchasing a new policy, gifting a paid-up policy by changing owner/beneficiary, gifting a policy with ongoing premiums, replacing donated assets with insurance purchased for heirs, purchasing a policy on another person’s life for charitable purposes, and assigning policy dividends to charitable interests.","https://schema.org",{"og:url":83,"og:type":124,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":126,"canonical":83},"index,follow",{"doc_id":128,"site_id":62},272937,1790104389,{"code":4,"msg":5,"data":131},{"doc_id":128,"user_id":132,"nickname":92,"user_avatar":133,"doc_module":4,"category_id":34,"category_name":35,"doc_title":65,"doc_description":67,"doc_content":134,"file_id":135,"file_url":136,"file_type":137,"file_size":138,"view_count":39,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":34,"language":139,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":140,"faqs":141,"seo_title":142,"seo_description":67,"update_tm":143,"read_time":144},1099514067438,"https://ap-avatar.wpscdn.com/avatar/100002539ee87300030?x-image-process=image/resize,m_fixed,w_180,h_180&k=1780474512215547542","GIVING THROUGH LIFE INSURANCE  \nThe Society for Surgery of the Alimentary Tract Foundation  \n500 Cummings Center, Suite 4400 Beverly, MA 01915  \nTel: 978.927.8330  \nMaking the Most of Life Insurance  \nMany of us have one or more life insurance policies. Life  \ninsurance is traditionally purchased for several reasons-to provide security for loved ones, as a time-honored savings plan or as a means to provide funds expected to be needed for the payment of estate taxes and other estate settlement expenses.  \nLife insurance can also offer a convenient way to fund meaningful charitable gifts now and as part of your longterm estate and financial plans.  \nConsidering Gifts of Life Insurance  \nAsk yourself the following questions to determine whether a gift of life insurance could play a role in your charitable giving plans:  \n• Do you have a policy on your life that was intended to protect a spouse who no longer needs it or children who are now financially independent?  \n• Do you have life insurance purchased to pay estate taxes? Recent changes in our nation's tax laws have resulted in reduced estate taxes for many. If estate taxes are now less of a concern for you, the proceeds from life insurance originally purchased for the payment of taxes may instead be devoted to purposes that are more in keeping with your wishes. These funds may offer a way to make gifts to charitable interests and others that may not have seemed possible.  \n• Do you have a policy purchased to complete payment of a mortgage or other debts that no longer exist?  \n• Do you have a policy you bought to help provide retirement income? Have you since accumulated adequate amounts in other retirement plans?  \n• Do you have a policy you bought to help ensure that money would be available for your children's education? If you used other funds to pay for their education, is this insurance still needed?  \n• Do you have a policy to protect a business that no longer needs such protection?  \nAlthough many people have excess life insurance, they often do nothing about such obsolete or perhaps forgotten insurance coverage. Compare your life insurance policies with your present needs. Then consider how they may be used to help you meet other goals.  \nSeven Ways to Give Using Life Insurance  \nEach method of giving life insurance described here helps meet a different estate or financial planning goal. Consider whether any of these ways to give life insurance may be applicable to your situation.  \n1. Name a charitable recipient as beneficiary of a policy you own in one of your following ways:  \n• As primary beneficiary to receive part or all ofthe policy proceeds along with your spouse and/or other loved ones.  \n• As secondary beneficiary to receive part or all of the proceeds in case one or more primary beneficiary(ies) has predeceased you.  \n• As final beneficiary to receive part or all of the proceeds if all other beneficiaries have predeceased you.  \n2. Purchase a new policy. This can be a convenient way to make a substantial gift in an affordable and taxefficient manner. If the charitable beneficiary is the owner of the policy, you may deduct the amount of premiums paid on the policy when you itemize state and/or federal tax deductions.  \n3. Give a paid-up policy you already own by changing the owner and beneficiary. You can usually deduct an amount equal to the approximate cash value* up to 50 percent of your adjusted gross income (AGI) . If the amount is over 50 percent, you can deduct a portion in the year of your gift and carry the excess over for up to the next five years.  \n4. Give a policy on which you are still paying premiums. If a charitable recipient is named irrevocable owner and beneficiary, you may deduct future premium payments as charitable contributions as well as an amount equal to the approximate cash value* at the time the gift is made.  \n5. Make charitable gifts of other assets and purchase a policy benefiting your heirs to replace the money or other prope","cbCailJTB95VDbuz","https://ap.wps.com/l/cbCailJTB95VDbuz","pdf",423784,"English","# Considering Gifts of Life Insurance\n## Seven Ways to Give Using Life Insurance\n## In Summary","[{\"question\":\"How can life insurance support charitable giving within an estate plan?\",\"answer\":\"Life insurance can fund charitable gifts immediately after death and can be integrated into long-term estate and financial plans. The document explains that proceeds may be redirected when certain estate-tax concerns change.\"},{\"question\":\"What questions should you ask to decide whether a life insurance gift fits your situation?\",\"answer\":\"The document asks whether you have obsolete coverage, whether policies were purchased for purposes no longer needed (such as estate taxes, debts, education, or retirement), and whether the proceeds could be used for charitable interests instead.\"},{\"question\":\"What are the seven ways to give using life insurance?\",\"answer\":\"The seven methods include naming charitable recipients as beneficiaries, purchasing a new policy, gifting a paid-up policy by changing owner/beneficiary, gifting a policy with ongoing premiums, replacing donated assets with insurance purchased for heirs, purchasing a policy on another person’s life for charitable purposes, and assigning policy dividends to charitable interests.\"}]","Making the Most of Life Insurance - Seven Ways to Give - In Summary | PDF",1789468591,18]