Why Use Life Insurance For Estate Planning? 
Life insurance is a tax advantaged and economic leveraged insurance product that can help pay estate taxes or make a real financial difference with children , grandchildren or the charities of your choice . A typical healthy , super preferred nonsmoking male at age 65 can receive a $ 4 benefit per $ 1 premium in a single deposit scenario . In the same scenario a female can receive a $ 5 benefit per to $ 1 premium paid . And both male and female can receive a $ 6 benefit to $ 1 premium paid using a survivorship policy . 