Term Life Insurance Ownership?

My wife and I are in our 40's and 50's. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford. We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death. The question of ownership of the policies is less clear. My lawyer says that it doesn't make much difference who owns them, because the value (estate) taxed is only one year's premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there's no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly. I'm confused. What ownership is the best? What is the benefit of that choice? Thanks for your time.

BEST ANSWER: Try this site where you can compare quotes:QUOTESDEAL.NET

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When i was backing out she was really close and i hit here side with mine. i put a palm size dent in the car and i broke here mustangs lubber. will my insurance go up because of this? i herd that something like that it wont. it happened in my drive way. and my insurance comp is the General

Where can i get car insurance for 20.00?

i'm going to ask this question until i get the correct answer ok listen closely i'm not selling my car i'm not catching a cab i paid 10.000.00 for my car it is my car i worked for it i dont joy ride i drive about 1 mile a month i'm disabled i go to the grocery store credit union auto zone my car is parked about about 99 % of the time i dont need that much car insurance. liability is all i need i keep hearing about this car insurance program 15 dollars a month. if you qualify is it the government that has this program has anyone heard of this?

Car insurance policies !?

a friend of mine said she had light house insurance.. she claims she pays X amount of money for a basic car insurance policy every 6 months.. keep in mind, i live on long island.. what kind of car insurance company offers a 1 payment policy every 6 months ?? my current insurance policy is expensive, i feel like theyre stealing from me.. please help out, i know there are A LOT of insurance companys..

How much money can I save on my car insurance after completion of the pass plus course?

Give me examples of how much you have saved or a friend or something

Will Homeowners Insurance cover fallen tree?

I cut down a tree in my back yard and yes it fell the wrong way taking out my porch. Will homeowners insurance cover this???

How much would car insurance be for this person?

for a girl 16 years old, doesnt own a car in the state of NJ. any more info ill be glad to help. im asking because i want to know about how much it will cost will different insurances for me alone.

What Health insurance would anyone reccommend?..?

my husband and I are trying to buy health insurance. we want something affordable. What good health insurance would anyone recommend.

How much would car insurance and tax cost?

I am a 23-year-old female living in a small English town. I have not even had driving lessons yet but I am considering it but first I want to know how much would car insurance and tax cost?

Visitors in USA - no medical insurance?

I have my parents visiting me from abroad and my father needs to go see a Doctor immediately for Heart Condition. He does not have any insurance in US. What can we do? Are the hospitals OBLIGED to see any patient, regardless of coverage? Will I get roped into the whole process? Please guide.

Do you think health insurance is necessary? Why?

Lowest insurance rates?

Hi!!! I would like your opinions on the lowest car insurance rates. I am currently with an insurance company that has not lowered my rate and I have been accident free for more than 5 years. So I am going to switch carriers and wanted to hear your opinions on where I should try.. Thanks in advance

Insurance Question for owners of the 2007 pontiac g5?

Im a 22 yr old male, never had a car before, just got my license; and im about to purchase me a new pontiac g5. Im wondering how much i can expect to pay for insurance every month?Plz help!

Why does auto insurance rates go up after manditory insurance laws pass?

the insurance companies promise that passing these laws would always lower them

High Risk Auto Insurance - Where can I find the lowest quote online?

Is there any online auto insurance website that specializes in getting the lowest rates on car insurance for high risk drivers? If so can anyone guide me to one? thanks

Can I get decent car insurance through Aetna?

I have them as health coverage through work. I just moved from FL to DE and my insurance through Geico DOUBLED!!! I am trying to find a better rate.... any ideas? Thanks

Ohio Car Insurance?

Okay, My mom owns the car I drive, and has insurance on it, but only her & my dad are insured on it, and i am not. Can I get in trouble for this if I am pulled over? Any help is greatly appreciated!

Term Life Insurance Ownership?

https://www.linkedin.com/pulse/how-does-car-insurance-work-do-u-have-pay-monthly-edward-walker