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[quote=Anonymous]My husbands sister was his beneficiary until we got married. When my single son asked us recently what he should do because the whole concept was new to him, we told him that it was his decision, but one option was his sister, until he was in a serious enough relationship to make his partner his beneficiary. He is very closed to his sister and liked the idea. We also explained that he could just leave it to his estate, or a charity. And that if he named us, we could just give it to his sister all at once, because of gift tax rules. [/quote]
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