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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.
As of 2012, if your entire estate is worth more than $5.12 million, any value over that amount is subject to federal estate tax at the rate of 35 percent. You can avoid estate taxes on your insurance proceeds by creating an irrevocable life insurance trust.