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Because the cost of borrowing is low today, and the returns inside the policies have been stable. Since these folks aren't putting up much of their own money when buying the policy, the cash-on-cash return is very high when the death benefit eventually pays out. Borrowing is not for everyone – but it can make sense in certain cases. Some assets may be better left to a certain heir, or heirs, rather than being shared by all of them. A business is a prime example. But if you're going to leave specific assets of value to particular individuals, what will your other heirs inherit? Some people think

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