Most
of us have some insurance to protect us against sudden
monetary losses. Life insurance proceeds may be important if
money has to be raised rapidly to pay estate taxes. For estate
tax purposes, policies are counted in the estate of the person
who owns the policy. The beneficiary gets the proceeds, but
the value is counted in the estate of the one who pays the
premiums or the owner. You may want to talk with your
insurance agent about your
policies.
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