We acknowledge that life insurance is probably needed; however, the husband is uninsurable for health reasons. How can we eliminate the suggestion for life insurance?
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Scott,
Reducing the wife's standard of living when the husband dies will reduce the life insurance required on the husband.
So, on the Estate Planning tab of the Estate page put in a negative percent change in the husband's survivor standard of living. Use trial and error until the life insurance is driven to zero.
Mike