/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
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		<h1 class="post-title entry-title">Using life insurance to pay off debt</h1>

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<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Paying down debt could be financially draining and tense and never one thing you&#8217;d need your family members to tackle after you die. The excellent news is that money owed are hardly ever inherited, so almost certainly, the folks you care about will not be left holding the invoice. Nonetheless, there are situations when an impressive stability can change into the accountability of others. In conditions like this, you will get a life insurance coverage coverage to cowl the quantity you owe, and the payout will help your beneficiaries pay it off.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">In keeping with a brand new </span><span class="_2GMChG _3-to_p">BaghdadTime examine</span><span class="_2GMChG _3-to_p">, 35% of Individuals who purchase life insurance coverage accomplish that to cowl important money owed that others can be liable for. Be taught extra about how debt will get handed down and what sort of debt it&#8217;s possible you&#8217;ll wish to cowl.</span></p>
</div>
<div class="FTDQoV">
<div class="OE0NEO fyWLSM auhBy4 _3RCofZ _2UQ26u"><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _34qbNm" data-currency="Text"><span class="_2HGwPY _3ZRnke _2GMChG" data-currency="Text">Nerdy tip: </span><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _3-to_p"><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _3-to_p">The first objective of </span><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _3-to_p">life insurance coverage is to interchange your revenue</span><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _3-to_p"> after you die. So, other than protecting debt, it&#8217;s possible you&#8217;ll want protection if anybody depends on you financially. The payout can substitute your wage and provides your family members the money they should keep their life-style.</span></span></span></div>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">What occurs to your money owed after you die?</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Generally, the property in your property are used to repay your money owed if you die. If there&#8217;s not sufficient cash within the property to settle the debt, it goes unpaid. Nonetheless, there are circumstances the place different folks could also be liable for the remaining stability.</span></p>
</div>
<div class="FTDQoV">
<ul data-currency="List" class="_33E9q6">
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Cosigners and joint house owners:</span></span><span class="_2GMChG _3-to_p"> If somebody cosigns your debt, they&#8217;re sometimes liable for it after you die. Equally, a joint proprietor of the debt is equally accountable for it. So in case you or the joint proprietor die, the surviving member should repay the stability.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Spouses:</span></span><span class="_2GMChG _3-to_p"> In neighborhood property states, surviving spouses are liable for money owed left by deceased companions. Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin are neighborhood property states</span><button type="button" aria-expanded="false" aria-controls="article-client-5-2-1-1" aria-haspopup="dialog" data-currency="PopoverDisclosure" class="_2FyNNx"><span class="_1I2g79" aria-hidden="true"/><span class="_23_GlS _2GMChG eIBHSv _23_Bjp" data-currency="Link" target="_self"><sup>[0]</sup></span></button><span id="article-client-5-2-1-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="_1TcJHF"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%" class="_2vYsWb _3CUBfs" aria-hidden="true"/></span><span class="_2GMChG _3-to_p">. Alaska, South Dakota and Tennessee have elective neighborhood property guidelines. In some states, spouses could also be liable for sure money owed like well being care.</span></p>
</div>
</li>
</ul>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Even when nobody is liable for your money owed after you die, you should still need protection. A life insurance coverage payout will help your beneficiaries repay the debt so the cash in your property can go to your heirs. You may also use life insurance coverage to go away a separate inheritance out of your property.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Overlaying debt: Time period or everlasting life insurance coverage?</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Time period life insurance coverage</span><span class="_2GMChG _3-to_p"> is often ample for many households and a typical choice for protecting debt. These insurance policies are designed to final for a set interval, like 10 or 20 years. You may select a time period size that matches the size of the mortgage. For instance, if in case you have a 20-year mortgage, you should purchase a 20-year time period life coverage.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The opposite </span><span class="_2GMChG _3-to_p">sort of life insurance coverage</span><span class="_2GMChG _3-to_p"> is known as </span><span class="_2GMChG _3-to_p">everlasting life insurance coverage</span><span class="_2GMChG _3-to_p">. Not like time period life, these insurance policies are open-ended and may final your total life. So if you would like your beneficiaries to obtain the demise profit no matter if you die, a everlasting coverage like </span><span class="_2GMChG _3-to_p">entire life insurance coverage</span><span class="_2GMChG _3-to_p"> could also be  match. Nonetheless, everlasting insurance policies are costlier than time period life insurance policies and it&#8217;s possible you&#8217;ll not want lifelong protection.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">What sort of debt does life insurance coverage cowl?</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Beneficiaries can spend a life insurance coverage demise profit as they see match, so it may be used to repay any debt. Mortgages, bank card payments and private loans are a number of examples of money owed {that a} coverage will help settle after you are gone.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Utilizing life insurance coverage to repay a mortgage</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">If somebody cosigned your mortgage or is a co-borrower on the mortgage, they&#8217;d be liable for the debt in case you die. Placing them because the beneficiary on a life insurance coverage coverage means they will use the payout to settle the debt and maintain the home.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">If nobody is liable for the debt and your property does not have sufficient funds to cowl the mortgage, the lender could foreclose on the property. Nonetheless, if somebody inherits the house and needs to maintain it, they&#8217;re sometimes allowed to maintain paying the mortgage. If this occurs, a life insurance coverage payout will help them cowl the associated fee. So even when your heirs aren&#8217;t legally liable for the mortgage after you die, they might nonetheless profit from a life insurance coverage payout.</span></p>
</div>
<p><h3 class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _1VhA5C" data-currency="Text"><span class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _3-to_p">Mortgage safety insurance coverage vs. time period life insurance coverage</span></h3>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Mortgage safety insurance coverage</span><span class="_2GMChG _3-to_p"> is optionally available protection lenders provide if you buy a house. These insurance policies repay your mortgage in case you die with a stability. The payout goes to the lender, to not your loved ones.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Time period life insurance coverage is usually cheaper than mortgage safety insurance coverage and supplies the identical protection with higher flexibility. The payout from a time period life coverage goes to your </span><span class="_2GMChG _3-to_p">life insurance coverage beneficiary</span><span class="_2GMChG _3-to_p"> and can be utilized for any objective.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Utilizing life insurance coverage to repay scholar loans</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">For instance, in case you take out a mum or dad&#8217;s federal PLUS mortgage on your kid&#8217;s faculty charges, and also you or your little one die, the debt is discharged.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Even in case you cosign a personal scholar mortgage, you might not be liable for the debt in case your little one (the borrower) dies. It&#8217;s because personal scholar loans taken out after 2018 should adhere to the Financial Development, Regulatory Aid, and Client Safety Act, which requires lenders to launch cosigners from any obligation to repay the debt if the borrower dies</span><button type="button" aria-expanded="false" aria-controls="article-client-22-1" aria-haspopup="dialog" data-currency="PopoverDisclosure" class="_2FyNNx"><span class="_1I2g79" aria-hidden="true"/><span class="_23_GlS _2GMChG eIBHSv _23_Bjp" data-currency="Link" target="_self"><sup>[0]</sup></span></button><span id="article-client-22-1" hidden="" style="display:none;position:fixed;left:0;top:0" role="dialog" tabindex="0" data-dialog="true" class="_1TcJHF"><span style="font-size:30px;width:1em;height:1em;pointer-events:none;bottom:100%" class="_2vYsWb _3CUBfs" aria-hidden="true"/></span><span class="_2GMChG _3-to_p">.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Nonetheless, in case your little one depends in your revenue to repay their scholar mortgage and also you die, a life insurance coverage payout will help them cowl the debt in your absence. You may additionally think about getting a life insurance coverage coverage in case you take out a personal mum or dad mortgage on your little one. These loans are normally not discharged in case you (the borrower) die, which implies the debt will doubtless change into a part of your property. The payout from a life insurance coverage coverage can be utilized to repay the debt as a substitute of your property.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Utilizing life insurance coverage to repay bank card debt</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The remaining stability in your bank cards could change into the accountability of a cosigner or joint proprietor of your account. Shopping for a coverage to cowl the quantity you owe will help your beneficiaries pay it off in case you die. </span><span class="_2GMChG _3-to_p">Approved customers</span><span class="_2GMChG _3-to_p">, resembling companions or kids who&#8217;re allowed to make use of playing cards on the account, aren&#8217;t liable for the debt.</span></p>
</div>
<p><h3 class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _1VhA5C" data-currency="Text"><span class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _3-to_p">Credit score life insurance coverage vs. time period life insurance coverage</span></h3>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Credit score life insurance coverage</span><span class="_2GMChG _3-to_p"> is a kind of protection supplied by lenders, nevertheless it is not all the time the perfect or least expensive choice. The demise profit in these insurance policies decreases because the mortgage will get paid down, however your </span><span class="_2GMChG _3-to_p">insurance coverage premiums</span><span class="_2GMChG _3-to_p"> keep the identical. Plus, the demise profit goes to the lender to settle the debt, to not your beneficiaries.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">To match, time period life pays out to your beneficiaries, not the lender. And the demise profit sometimes does not lower because the mortgage will get paid down, so your beneficiaries obtain the total quantity in case you die throughout the coverage&#8217;s time period.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">Utilizing life insurance coverage to repay enterprise loans</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">After you die, the payout from a life insurance coverage coverage will help your corporation companions repay any loans they&#8217;d now be solely liable for. Even when your companions aren&#8217;t required to repay the mortgage, a life insurance coverage payout will help cowl prices throughout a tough time. Life insurance coverage may fund a </span><span class="_2GMChG _3-to_p">buy-sell settlement</span><span class="_2GMChG _3-to_p">, which permits companions to purchase out the deceased associate&#8217;s stake within the firm.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">How a lot life insurance coverage do it&#8217;s worthwhile to cowl your debt?</span></h2>
</p>
<div class="FTDQoV">
<p><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _34qbNm" data-currency="Text"><span class="_2HGwPY _3ZRnke _2GMChG" data-currency="Text">Nerdy tip: </span><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _3-to_p"><span class="_23_GlS _3ZRnke _2McN3Z _2GMChG _3-to_p">In case you have debt that generates curiosity, like a bank card, do not forget to issue within the added quantity when calculating your protection.</span></span></span></p>
</div>
</div>
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		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2022-07-06T21:53:20+00:00","datePublished":"2022-07-06T21:53:20+00:00","dateModified":"2022-07-06T21:53:21+00:00","headline":"Using life insurance to pay off debt","name":"Using life insurance to pay off debt","keywords":"Debt,Insurance,Life,Pay","url":"https:\/\/baghdadtime.com\/using-life-insurance-to-pay-off-debt\/","description":"Paying down debt could be financially draining and tense and never one thing you'd need your family members to tackle after you die. The excellent news is that money owed are hardly ever inherited, so","copyrightYear":"2022","articleSection":"Finance","articleBody":"Paying down debt could be financially draining and tense and never one thing you'd need your family members to tackle after you die. The excellent news is that money owed are hardly ever inherited, so almost certainly, the folks you care about will not be left holding the invoice. Nonetheless, there are situations when an impressive stability can change into the accountability of others. In conditions like this, you will get a life insurance coverage coverage to cowl the quantity you owe, and the payout will help your beneficiaries pay it off.In keeping with a brand new BaghdadTime examine, 35% of Individuals who purchase life insurance coverage accomplish that to cowl important money owed that others can be liable for. Be taught extra about how debt will get handed down and what sort of debt it's possible you'll wish to cowl.Nerdy tip: The first objective of life insurance coverage is to interchange your revenue after you die. So, other than protecting debt, it's possible you'll want protection if anybody depends on you financially. The payout can substitute your wage and provides your family members the money they should keep their life-style.What occurs to your money owed after you die?Generally, the property in your property are used to repay your money owed if you die. If there's not sufficient cash within the property to settle the debt, it goes unpaid. Nonetheless, there are circumstances the place different folks could also be liable for the remaining stability.Cosigners and joint house owners:\u00a0If somebody cosigns your debt, they're sometimes liable for it after you die. Equally, a joint proprietor of the debt is equally accountable for it. So in case you or the joint proprietor die, the surviving member should repay the stability.Spouses: In neighborhood property states, surviving spouses are liable for money owed left by deceased companions. Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin are neighborhood property states[0]. Alaska, South Dakota and Tennessee have elective neighborhood property guidelines. In some states, spouses could also be liable for sure money owed like well being care.Even when nobody is liable for your money owed after you die, you should still need protection. A life insurance coverage payout will help your beneficiaries repay the debt so the cash in your property can go to your heirs. You may also use life insurance coverage to go away a separate inheritance out of your property.Overlaying debt: Time period or everlasting life insurance coverage?Time period life insurance coverage is often ample for many households and a typical choice for protecting debt. These insurance policies are designed to final for a set interval, like 10 or 20 years. You may select a time period size that matches the size of the mortgage. For instance, if in case you have a 20-year mortgage, you should purchase a 20-year time period life coverage.The opposite sort of life insurance coverage is known as everlasting life insurance coverage. Not like time period life, these insurance policies are open-ended and may final your total life. So if you would like your beneficiaries to obtain the demise profit no matter if you die, a everlasting coverage like entire life insurance coverage could also be  match. Nonetheless, everlasting insurance policies are costlier than time period life insurance policies and it's possible you'll not want lifelong protection.What sort of debt does life insurance coverage cowl?Beneficiaries can spend a life insurance coverage demise profit as they see match, so it may be used to repay any debt. Mortgages, bank card payments and private loans are a number of examples of money owed {that a} coverage will help settle after you are gone.Utilizing life insurance coverage to repay a mortgageIf somebody cosigned your mortgage or is a co-borrower on the mortgage, they'd be liable for the debt in case you die. Placing them because the beneficiary on a life insurance coverage coverage means they will use the payout to settle the debt and maintain the home.If nobody is liable for the debt and your property does not have sufficient funds to cowl the mortgage, the lender could foreclose on the property. Nonetheless, if somebody inherits the house and needs to maintain it, they're sometimes allowed to maintain paying the mortgage. If this occurs, a life insurance coverage payout will help them cowl the associated fee. So even when your heirs aren't legally liable for the mortgage after you die, they might nonetheless profit from a life insurance coverage payout.Mortgage safety insurance coverage vs. time period life insurance coverageMortgage safety insurance coverage is optionally available protection lenders provide if you buy a house. These insurance policies repay your mortgage in case you die with a stability. The payout goes to the lender, to not your loved ones.Time period life insurance coverage is usually cheaper than mortgage safety insurance coverage and supplies the identical protection with higher flexibility. The payout from a time period life coverage goes to your life insurance coverage beneficiary and can be utilized for any objective.Utilizing life insurance coverage to repay scholar loansFor instance, in case you take out a mum or dad's federal PLUS mortgage on your kid's faculty charges, and also you or your little one die, the debt is discharged.Even in case you cosign a personal scholar mortgage, you might not be liable for the debt in case your little one (the borrower) dies. It's because personal scholar loans taken out after 2018 should adhere to the Financial Development, Regulatory Aid, and Client Safety Act, which requires lenders to launch cosigners from any obligation to repay the debt if the borrower dies[0].Nonetheless, in case your little one depends in your revenue to repay their scholar mortgage and also you die, a life insurance coverage payout will help them cowl the debt in your absence. You may additionally think about getting a life insurance coverage coverage in case you take out a personal mum or dad mortgage on your little one. These loans are normally not discharged in case you (the borrower) die, which implies the debt will doubtless change into a part of your property. The payout from a life insurance coverage coverage can be utilized to repay the debt as a substitute of your property.Utilizing life insurance coverage to repay bank card debtThe remaining stability in your bank cards could change into the accountability of a cosigner or joint proprietor of your account. Shopping for a coverage to cowl the quantity you owe will help your beneficiaries pay it off in case you die. Approved customers, resembling companions or kids who're allowed to make use of playing cards on the account, aren't liable for the debt.Credit score life insurance coverage vs. time period life insurance coverageCredit score life insurance coverage is a kind of protection supplied by lenders, nevertheless it is not all the time the perfect or least expensive choice. The demise profit in these insurance policies decreases because the mortgage will get paid down, however your insurance coverage premiums keep the identical. Plus, the demise profit goes to the lender to settle the debt, to not your beneficiaries.To match, time period life pays out to your beneficiaries, not the lender. And the demise profit sometimes does not lower because the mortgage will get paid down, so your beneficiaries obtain the total quantity in case you die throughout the coverage's time period.Utilizing life insurance coverage to repay enterprise loansAfter you die, the payout from a life insurance coverage coverage will help your corporation companions repay any loans they'd now be solely liable for. Even when your companions aren't required to repay the mortgage, a life insurance coverage payout will help cowl prices throughout a tough time. Life insurance coverage may fund a buy-sell settlement, which permits companions to purchase out the deceased associate's stake within the firm.How a lot life insurance coverage do it's worthwhile to cowl your debt?Nerdy tip: In case you have debt that generates curiosity, like a bank card, do not forget to issue within the added quantity when calculating your protection.\r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/using-life-insurance-to-pay-off-debt\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2022\/07\/GettyImages-1282134153-1440x864.jpg","width":1440,"height":864}}</script>
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