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all right with high net-worth planning a traditional scenario that often comes up with what we do is an estate planning attorney recommend to is higher net worth clients hey you should go obtain ten million dollars of coverage well what happens is those clients typically come in and they view levelized annual premiums and a life insurance policy as a pure expense and it often causes them to not take action so theyre essentially not taking their attorneys advice because they view it as a pure expense year over year over year charles is going to get into how you can take this story in position a little bit with approaching attorneys yeah so this idea is great to approach your attorneys with in your area because to JTs point a lot of times theyll set up the trust theyll get everything to be done with the family and what ends up happening is everything gets stalled and it gets stalled because in the example were going to use today were solving for a 10 million dollar death benefit th