人壽保險是否避免遺產？
人壽保險是否避免遺產？
 If the beneficiary is named directly in the life policy, than yes it avoids probate. If the beneficiary is named the estate, then it would pass through probate and most likely be taxed as an asset. Life insurance proceeds almost all of the time are tax free if left to an individual. Lesson is to use a good advisor to set up beneficiaries properly at point of application to have your loved ones avoid unnecessary expenses at your death.
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