Probate administrative costs and fees usually average 8% to 10% of my assets.

My assets are not available to my heirs until my estate is approved by probate court.

Average time my assets remain tied up in probate court is one to two years.

All records of my assets are available to the general public.

The court, in absence of a will, transfers my money to those family members as directed by law.

SOLUTION

An annuity, with a properly designated beneficiary other than your estate, will bypass probate and eliminate all probate administrative costs, fees, delays and publicity.

Therefore, at your death, more of your money will go to those family members you choose.

A life insurance policy bypasses probate and delivers tax- free insurance.