fHWxtroTO Questions and U)J Jl: Answers about y managing your money Question: I'm not happy with the investment results of my Individual Retirement Retire-ment Account (IRA). Would transferring the assets as-sets to another IRA entail tax consequences or premature pre-mature distribution penalties? pen-alties? Answer: There would be neither penalties nor tax consequences providing you roll over into another IRA no later than 60 days after receiving distribution from your initial IRA. Question: I purchased life insurance to provide an estate for my family if I die or for myself if I live. What would happen if I were unable to pay my life insurance premiums because of a disability? Answer: The easiest way- Are you thinking of transferring the assets in your IRA account? to protect your life insurance insur-ance is by having a Disability Dis-ability Waiver of Premium Provision in the policy, says the American Society of Chartered Life Underwriters, Under-writers, the national association associ-ation of life insurance professionals. pro-fessionals. To be sure your insurance keeps up with your needs, it is a good idea to have it reviewed periodically.