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Life insurance ability transfer a policy' death benefit income-tax-free beneficiaries. No matter big death benefit —$50,000 $50 million— beneficiaries won .
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gift gift sheltered grantor' gift tax annual exclusion. In order a gift qualify gift tax annual exclusion, gift a gift a "present interest." A "present interest" interest a beneficiary possession enjoyment property immediately future date.
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Life insurance policies; Commercial annuities; It takes simple steps this type gift. Here' AARP Foundation a beneficiary: Contact retirement plan administrator, insurance company, bank, financial institution a change--beneficiary form.
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