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Having a trust own the policy keeps the death benefit outside your estate, reducing taxes

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What is key, as it is with every Cuban cigar, is to ensure that you only buy from a trusted retailer and, if possible, you have the opportunity to examine the box before purchase or have an expert do so

A packet of Marlboro Gold cigarettes sell for about $30 in Australia, but on the Ciggies World website a pack of 20 can be bought for just $4, the price cigarettes sold for in Australia back in the early 1990s

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