Life Insurance as an Estate Planning Tool

From the Paper:

"The focus of this paper is life insurance as an estate planning tool. The paper examines the role of life insurance, various types of insurance available, and pro and con arguments related to each, where applicable.

The term estate planning in its broadest sense encompasses the accumulation, conservation, and distribution of an estate. The overall purpose of the estate planning process is to develop a plan that will enhance and maintain the financial security of individuals and their families. Estate planning includes increases in the estate as well as the conservation of existing assets.

Estate planning in the narrow sense of protecting an existing estate has three fundamental objectives. The first objective is to reduce the cost of estate transfer. The second ... "

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