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The future dollars provided by a life policy either on and individual or both spouses jointly is the most straightforward tax efficient and cost-efficient method to offset the impact of taxes on an estate. The same methodology can be applied to future capital gains on...

I am often asked if it is hard for people aged fifty plus to obtain life insurance. Generally speaking, the insurance company evaluates your profile. After obtaining blood and urine samples, which are standard, they may ask for an ECG or complete physical. It is...