Life Insurance Tax Benefits–Naples Insurance School

Many people who are uninsured do not realize the tax benefits that come with a life insurance policy.

The importance of these benefits cannot be overstated.

They can help alleviate the tax burden your clients and their family will feel in retirement.

Understanding your clients’ fears can help you understand their perspective, especially if their fears keep them (or have kept them) from buying a life insurance policy.

For example, most people are afraid of running out of money during retirement.

In fact, they often list this as their top retirement concern.

You can put their fears at ease by informing them about the possibility to access life insurance money on a tax-free basis in retirement.

This benefit is especially important for high net worth clients, they may be getting taxed at high rates to access other money, such as traditional IRAs.


life insurance tax benefits

Death benefits

Death benefits are often paid to beneficiaries tax-free, decreasing the tax burden on loved ones.

However, if those benefits are received as an annuity they may be taxable. Likewise, the interest accrued on a policy is potentially taxable.

Let your apprehensive clients know that some types of life insurance (for example, whole life policies) may pay dividends, yet they are not taxed like regular capital gains.

Instead, those dividends are considered a return on part of a premium paid. Therefore, they’re not taxed unless the amount of the dividend exceeds the premiums paid.

If you succeed in highlighting these tax benefits for apprehensive clients (or prospects), you’ll be more likely to assuage their fears about one of the most stress-inducing prospects of someone’s life: their passing.

For more information or to sign up for health and life insurance education, visit our website,, or give us a call at 239-344-7510.

naples real estate school

About Larson Educational Services:

Utilizing 40 years of real estate training and professional education experience, Florida real estate school Larson Educational Services is the premier provider of Florida real estate licensing, exam preparation, post-licensing, CAM licensing, mortgage loan originator licensing, and continuing education in Southwest Florida. Classes are available in Fort Myers, Naples, Sarasota, and online. We are an approved Florida Real Estate School (License #ZH1002299), Florida CAM School (License #PRE31), Florida Insurance School (License # 370501) and NMLS Approved Course Provider.

Larson Educational Services

13040 Livingston Rd. #12,

Naples, Florida



LarsonEd is Now a Florida Insurance School! [VIDEO]

Family-owned and operated Larson Educational Services has had its doors open in Fort Myers since November 2008. We at LarsonEd are excited that for the first time in our company’s 8-year history we are offering health insurance education. This is in addition to our already established courses in mortgage, CAM, and real estate.

As a professional education business, we are always looking toward the future for possible trends and opportunities. We feel that there will be a steady, continued growth in the health and life insurance industry in Florida. Now is a good time for us to bring our high standards and exam preparation expertise to this growing field. It also allows us to diversify our course offerings and give additional career options to our current and future students.

Florida insurance school

In our classes, you’ll learn about the Florida Health & Life licensing requirements, responsibilities, liabilities, and standards of conduct. We also include, at no additional charge, all the EXAM PREPARATION you need to pass your exams.

Comprised of 12 modular units covering the basic principles and business fundamentals of insurance, our experts will prepare you not only for success on exam day, but will help you get off to a fast start once you have received your license. Because our course has a modular format, you can mix-and-match dates and locations if you need flexible scheduling. Just call us at 239-344-7510 and we’ll help you put a schedule together.

You can’t find that flexibility at any other insurance school in southwest Florida! Plus your tuition payment is good for one year! You can attend the course again to review for no additional charge.

We accept registrations all the way up to the course start time.

Tuition: $339


• 1-year enrollment period to complete or review the course
• Our exclusive student workbook
• Our Health & Life Exam Preparation. No separate class needed!
• Tuition DOES NOT include the State Manual. State manuals can be purchased online here

To sign up for the 60 hour Health & Life Agent Pre-Licensing course, click here:…

To sell annuity contracts, variable contracts, health insurance or life insurance in Florida, a person must have a license from the Florida Department of Financial Services (DFS). Before obtaining a license, a person is required to attend a pre-licensing course, pass the state exam and submit an application.

We at Larson Educational Services, a Florida insurance school with classes in Fort Myers and Naples, will guide you through the process of getting the following Florida Insurance Licenses:

Life and Health (2-15 Agent),
Health Only (2-40 Agent) or
Life Only (2-14 Agent)

Larson Educational Services

13040 Livingston Rd. #12,

Naples, Florida