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nce zoloft companies. These companies often have special zoloft expertise that the insurance companies do zoloft not have. Certain life insurance contracts zoloft accumulate cash values, which may be zoloft taken by the insured if the zoloft policy is surrendered or which may zoloft be borrowed against. Some policies, such zoloft as annuities and endowment policies, are zoloft financial instruments to accumulate or liquidate zoloft wealth when it is needed. See zoloft life insurance.In many countries, such as zoloft the U.S. and the UK, tax zoloft law provides that the interest on zoloft this cash value is not taxable zoloft under certain circumstances. This leads to zoloft widespread use of life insurance as zoloft a tax-efficient method of saving as zoloft well as protection in the event zoloft of early death.In U.S., interest income zoloft of life insurance policy (or annuity) zoloft is income tax deferred in general. zoloft However, its tax deferred benefit may zoloft be offset by a low return zoloft in some cases. This depends upon zoloft the insuring company, type of policy zoloft and other variables (mortality, market return, zoloft etc.). Also, other income tax saving zoloft vehicles (i.e. IR

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* Total permanent disability zoloft insurance insurance provides benefits when a zoloft person is permanently disabled and can zoloft no longer work in their profession, zoloft often taken as an adjunct to zoloft life insurance. * Financial loss insurance zoloft protects individuals and companies against various zoloft financial risks. For example, a business zoloft might purchase cover to protect it zoloft from loss of sales if a zoloft fire in a factory prevented it zoloft from carrying out its business for zoloft a time. Insurance might also cover zoloft failure of a creditor to pay zoloft money it owes to the insured. zoloft Fidelity bonds and surety bonds are zoloft included in this category. companies established zoloft with the specific objective of financing zoloft risks emanating from their parent group zoloft or groups. This definition can sometimes zoloft be extended to include some of zoloft the risks of the parent company's zoloft customers. In short terms, it is zoloft an in-house self-insurance vehicle. Captives may zoloft take the form of a "pure" zoloft entity (which is a 100% subsidiary zoloft of the self-insured parent company); of zoloft a "mutual" captive (which insures the zoloft collective risks of industry members); and zoloft of an "association" captive (which self-insures zoloft individual risks of the members of zoloft a professional, commercial or industrial association). zoloft Captives represent commercial, economic and tax zoloft advantages to their sponsors due to zoloft the reductions on costs they help zoloft create, the ease for insurance risk zoloft management and the flexibility for cash zoloft flows they generate. Additionally, they may zoloft provide coverage of risks which are zoloft neither available nor offered in the zoloft traditional insurance market at reasonable prices.The zoloft types of risk that a captive zoloft can underwrite for

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