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Life insurance should be a part of many people's retirement plans. However, it should never be your entire retirement income strategy. There is an array of people pitching crazy tax-planning strategies using life insurance that are likely not appropriate for those making less than $500,000 or so per year. That being said, there are a few ways that many people can benefit from life insurance without actually having to die first. Forbes contributor David Rae shares insight on utilizing life insura
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