How Is Life Insurance Used In Estate Planning? 
Life insurance provides cash at the time of death . Estate planning involves distributing assets at the time of death . Often the estate needs liquidity so that key assets do not have to be sold to pay debtors or taxes . In other cases , the business should pass to one heir and yet the parents might want to provide equally for other heirs . There are as many problems as there are families and life insurance can solve many estate problems . 