To implement this plan, a smoker must capability to identify if may possibly occasional smokers, ser...

1. Life Insurance - 6 Ways decrease Your Rates
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Those gifts of premiums, though, would normally add to your lifetime gift for gift tax payment at
your death. But you're allowed to exclude $13,000 (for 2011) per year per person from this taxable
gift total - if you in fact made that gift in year.

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