Many older clients have little use for their life insurance policies, yet they never consider donating them to charity. In fact, more than 75 percent of all life insurance policies no longer meet their owners' original needs, and policy owners let them lapse or cash them in prior to death. Maybe it's time to get creative and think outside the box. Sort of like someone who designs a new and different use for an old auto engine: Its mission may be obsolete, but its efficiency is ...

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