I need help explaining this information to put a paper together.

Consider whether a device exists whereby you may insure your life with the death benefits of an insurance policy payable to charitable organizations such as a university foundation.

Discuss the mechanics of such a policy and whether it is an effective tool for planning the distribution of an estate.

There is a possible drawback to this kind of bequest because it could, possibly, increase the overall value of the estate. Please consider this drawback when discussing how to draft such a policy.