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[Music] everybodys crisper small with CMS law firm we do estate planning we do probate we do it well today I want to talk to you about unintended life insurance beneficiary consequences okay and youll see where Im going with this in a minute before you do that though I want to remind you if you have questions about this or anything else related to estate planning or probate please go to estate meeting.com you can set up a time to talk with us over the phone or in person for free estate meeting.com okay um unintended life insurance beneficiary consequences I was having mean having a meeting today with a now a client was a potential client at the time and we were talking about estate planning we were talking about the things that you know power of attorney can do and welcome to Ababwa and and this person mentioned that they had some life insurance policies and we were talking about the things that our trust can do for your kids and and these these other things and I casually asked whi