text:  There's a death benefit that's going to pass to your heirs tax-free. If it doesn't get fully funded and he passes away while he's working, there's a death benefit to replace some of that future savings. And we have some long-term care benefits in there because we can use the death benefit of that policy while they're alive in retirement to fund their long-term care needs should those things arrive. So at the end of the day, we ended up taking a total of $75,000 and funding tax-free,