Once there was a river

I was talking to my niece yesterday. She was making fun of what I like to call my exit plan. From there, the conversation drifted to other things and then on to taxes. I told her how my CA's been after me to get life insurance, which I haven’t had for a while. Everyone should have an insurance policy, he’d said. And, besides, it will also help to save tax. But, why do you need life insurance, she asked. Er, why not? Because there are other ways to save tax, she said. Besides, whom do you want the policy for anyway? Er...