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Many years before they had taken out a $10,000 life
insurance policy on John to help educate their children in case of his
death. The years have passed. The children have grown and been
educated. The life insurance policy was now fully paid. This seemed to
be an excellent way to make a planned gift to the United Way. The
credit against their Montana taxes as well as the deduction from their
Federal taxes enabled them to increase other charitable giving that
year, "What a wonderful way to add to a permanent savings account for the United Way," according to the Talbots
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