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aj writes,

You would give any excess to insurance companies, but since you said you don't have anyone that you want to leave the money to, there's not necessarily anything wrong with that.


I've always been of the opinion that even the least charitable person in the country can find a more deserving beneficiary of the terminal value of one's retirement portfolio than an insurance company executive.

Just give it to the Red Cross or the Salvation Army, if you don't want to put any thought into it.

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