Is Life Insurance Good For Estate Planning? 
YES ! Life Insurance is GOOD for Estate Planning . This is a pretty hot topic right now with my clients . Keeping this relatively simple , Life Insurance can provide liquidity for taxes , to prevent fire sale situations of property and assets , and to equalize bequests in illiquid estates . The death benefits of life insurance are able to meet all of these demands and more . I often will ask clients what exemption amount there were using for planning purposes . This leads into a discussion of past exemption amounts and where we stand today . One thing is certain and always comes out ... we believe taxes will increase in the future so using life insurance to help provide a buffer of sorts is helpful . It is important to realize that you are planning , meaning this plan is a working plan that can change yearly versus just putting together a plan and trying to depend on it in a changing environment . 