[grania]

Aren’t some or all of the payouts taken over 30 years annuities? Are annuities insured?

[cynicalman]

Remember when you die your estate will owe Federal Estate Tax.

If you live in a state that has a death tax, (like PA) move to a state that does not have a death tax.

Move to a state that does not have an income tax

Spend like there is no tomorrow. have fun