What Is Meant By Life Insurance Creates An Immediate Estate? 
The economic leverage of life insurance and its tax advantages can create an instant estate within the justification and insurable interest rules . A healthy male age 65 may be able to receive a 4 to 1 benefit to dollar spent on a single deposit . A healthy female age 65 may be able to receive a 5 to 1 benefit to dollar spent on a single deposit . A survivorship policy with a healthy male and female age 65 may be able to receive a 6 to 1 benefit to dollar spent on a single deposit . So if you want to make a difference in the lives of your children , grandchildren , great grandchildren or charity , this is the economic way to go . 