The best life insurance policy for the payment of federal estate taxes for a 55-year-old couple with illiquid assets is:
a. AN individual whole life policy on each spouse on a cross-ownership basis.
b. A joint first to die life insurance policy owned jointly.
c. A jount last to die insurance policy owned by the spouse with the larger estate
d. A joint and last to die insurance policy owned be an irrevocable life insurance trust
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