text:  But I'm just going to say it. The reality is, is life insurance is a way to pass on tax-free money if properly structured, which could do things like pay the balances on your 401k. Excuse me, not balances on your 401k, your tax balances is what I meant to say on your 401k. It could pay off a home for a spouse. It could do many things. But here's the thing. I see a lot of life insurance policies that are really not good.