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Margaret S. faced the ultimate thief. She lost her husband to a sudden cardiac arrest. Only 59 and in seemingly good health, at least he had the foresight to keep a million-dollar life insurance policy on himself, naming her as beneficiary. Referred to us by a friend, Margaret arrived at our first appointment shaken and afraid. Not only was she grieving the loss of her life partner, she now faced a torrent of consequences from this sudden windfall of money.

Read more: Irrevocable Life Insurance Trust: Protect Your Estate