On Oct 19, 8:57*am, Andy wrote:
Andy comments
* You should address your replies to the original poster if you
have anything useful to add.

* *I ,personally, have no interest in learning the legal opinion
of *some layman who posts anonymously on a home repair newsgroup.

You mean a layman like you who answered the question
that was asked by implying that a simple life insurance
policy is subject to fed govt taxes and creditor claims?

Or the layman like you that suggested he consult an
estate attorney for the answer to a hypothetical
question concerning some other person's situation?

Great advice all around dude!