Uploaded January 2026 | Updated September 2026, 3 weeks ago

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Don't assume your life insurance payout is 100% tax-free for your beneficiaries.

While life insurance is generally income-tax-free, there are specific numbers and rules that could lead to a massive estate tax bill if you aren't careful.

This video walks you through:

Income vs. Estate Tax: Understanding the difference between what the beneficiary pays and what the estate owes.

The Three-Year Rule: Why transferring a policy too late can cause the IRS to pull it back into your taxable estate.

Ownership Structures: How using an ILIT can help you keep the death benefit entirely out of the tax man's hands.

Ensure your family gets the full benefit you intended. Watch the video now!

Follow my page for clear, no-fluff financial planning steps!

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