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Charitable Giving

The Superfluous Life Insurance Policy

A missed opportunity for charitable donations?

Of the over 18.4 trillion dollars’ worth of all forms of life insurance in force, over 85 percent of those policies are surrendered or lapsed before death.1 The insureds, however, can salvage some of these assets to be used for charitable donations. In reviewing your client’s assets, be sure to address life insurance in force that will lapse or be surrendered.  


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