Does Life Insurance Help Estate Planning? 
Some consider life insurance a cornerstone in estate planning because of its guarantee nature . Life insurance offers guaranteed protection in the form of monetary benefits disbursed to an individual or individuals that policyowner chooses in order to pay off final expenses of the deceased , any other financial `` threat '' to the estate 's wealth and/or maintain current lifestyle of the beneficiary . In my opinion , estate planning that includes a life insurance product just makes sense . 