Use Life Insurance or a Charitable Gift Rider
Life insurance is also an option for estate planning. Your loved ones can use the proceeds from life insurance to cover funeral or other expenses. However, you can name St. Paul Endowment Fund as a beneficiary on your policy. Charitable giving riders are another option. They pay a percentage of the policy's face value to St. Paul Endowment Fund. The riders don't often reduce the cash value or death benefits of the policy, but they can limit how much you can gift this way.
Please remember to consult an estate planner, financial planner, attorney, or other professional to write your estate plan.