Duncan Legal, PC
Helping people solve life’s puzzles.
When it comes to building a legacy, it’s not just about the financial assets you leave behind—it’s about creating peace of mind for the people you love most. At Duncan Legal, PC, we believe estate planning is more than paperwork; it’s a reflection of your values and a promise to protect those closest to you. One of the most powerful tools in that process is life insurance.
When thoughtfully integrated into your estate plan, life insurance can offer both emotional reassurance and financial stability—ensuring your family is supported when they need it most.
A Safety Net When It’s Needed Most
Funerals and final expenses can be surprisingly costly, often ranging from $7,000 to $12,000. During an already painful time, financial stress can make things even harder.
Life insurance provides a crucial financial cushion, allowing your family to cover those costs without making rushed decisions or sacrifices. Instead of focusing on bills, they can focus on healing and honoring your memory.
At Duncan Legal, PC, we help our clients plan ahead—so their families aren’t left struggling in the moments that matter most.
Fast, Direct Support for Your Loved Ones
One of the most important advantages of life insurance is that the benefits are typically paid directly to your named beneficiaries, bypassing probate.
That means faster access to funds—at a time when your family may urgently need help covering:
- Mortgage payments
- Day-to-day expenses
- Educational costs
- Unexpected debts
It’s a powerful way to continue caring for your loved ones, even after you’re gone. At Duncan Legal, PC, we help ensure your policy is properly aligned with your estate plan so that your intentions are honored without delay.
Planning for the Future: Tax Efficiency
For those with larger estates, life insurance can serve as a smart tax planning strategy. One effective method is placing the policy in an Irrevocable Life Insurance Trust (ILIT). This type of trust owns the policy and keeps it outside your taxable estate, allowing the full benefit to pass to your heirs free of estate tax.
This strategy may become even more important as federal estate tax exemptions are set to decrease in 2026.
If preserving generational wealth is a priority for your family, Duncan Legal, PC can help you evaluate whether an ILIT or other structure makes sense. We’ll walk you through the pros and cons so you can make an informed, confident decision.
What to Consider Before You Buy
Life insurance is not a one-size-fits-all solution. Choosing the right policy takes thought, strategy, and guidance.
Here are a few key considerations:
- Premiums can vary greatly depending on age and health
- Policy types (term, whole life, universal) each have unique features
- Integration with your estate plan is essential to maximize the benefits
At Duncan Legal, PC, we work collaboratively with your financial advisor or insurance agent to ensure your policy supports your broader goals and protects your legacy effectively.
Final Thoughts: Life Insurance as a Gift of Peace
At its heart, life insurance is more than a financial product—it’s a promise. A promise that your family will be cared for. A promise that your values will carry on.
Whether you’re seeking to cover final expenses, replace lost income, or minimize estate tax burdens, life insurance can serve as a cornerstone in your estate planning strategy.
Need help incorporating life insurance into your estate plan?
Let’s talk. At Duncan Legal, PC, we’re here to help you build a plan that’s as compassionate as it is complete. We’ll guide you through your options and help you make decisions that give your family the security they deserve.
Visit Us: 6436 S Racine Cir, Ste 227, Centennial, CO 80111
Call Us: (303) 394-2358
Learn More: www.duncanlegal.com
