[sweeps]

Best to consult an estate planner and/or lawyer. I probably shouldn't have even commented on this topic because there are so many different laws, loopholes and exceptions that making general comments about life insurance and estate planning is almost useless.

What state you're in, the size and type of assets in your estate, your marital status, your beneficiaries' needs, the current (and future expected) state of tax laws, and the creativity of the estate professional you're working with are all factors in making estate planning decisions.