 if the breadwinner ultimately passes away prematurely to a surviving spouse. Okay, so covering debt, covering liabilities, covering potential loss of income, those are really the two primary reasons why life insurance is used. But what about from a tax efficiency standpoint for legacy to your family? You know, that's a big part of it. Let's say you have a million dollar IRA. Well, it's easy to assume that 300,000 of that million belongs to Uncle Sam.