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Highlight the four ways to avoid the cost of probate. Which 4 is correct?? life insurance policy / hiding assets from the IRS / individual

Highlight the four ways to avoid the cost of probate. Which 4 is correct??

life insurance policy

/ hiding assets from the IRS /

individual retirement accounts (IRAs) /

gifts while one is still living /

selling assets to future heirs at below market value /

joint ownership of property

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