06/09/2026
You've likely heard that life insurance is a tool for passing money to your heirs tax-free. That idea is partly true, but the influencers discussing this tend to leave out some important details. How life insurance interacts with estate tax depends entirely on how you structure the policy.
Your beneficiaries may miss out on tax advantages if you make mistakes in registering ownership, planning for the trust, or designating beneficiaries.
Learn how proper policy ownership and trusts protect your life insurance payout from estate taxes.