Today, estate taxes are no longer a concern for the vast majority of families. But even for nontaxable estates, life insurance continues to offer estate planning benefits. For example, you can use life insurance to replace wealth that’s lost to long term care (LTC) expenses. Although LTC insurance is available, it can be expensive. For many people, a better option is to use personal savings and investments to fund their LTC needs and to purchase life insurance to replace the money that’s spent on such care. Contact us for more information.