我的人壽保險是我的財產的一部分嗎
我的人壽保險是我的財產的一部分嗎
 Only the cash value of your policy is part of your net worth while you are alive. When you pass, if your policy was left to your estate as beneficiary, the policy becomes part of your estate. And as long as you were owner of the policy, if the amount of the coverage passed to your beneficiaries exceeded estate tax limits, estate tax will need to be paid (unless the beneficiary was your spouse).
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