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A human life is worth $6.2 million, Amar said, referring to a value that was used by EPA in the past. What do you need -- about 150 people to die? And that's a billion dollars.
Estates Worth Less Than $5.43 Million. Only the amount of your estate that exceeds the Estate Tax Exclusion amount can be taxed, so if your estate including life insurance is not more than $5,430,000, your beneficiaries will not owe any taxes on the life insurance pay out. Please keep in mind that the Estate Tax Exclusion amount can change.