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One followup. The husbands name is XXXXX XXXXX the policy also, I forgot that point.
The policy has both the non-profit name and his name listed.
He does not get any salary. My thought as there is this loan he has against the non-profit it to pay him a loan payment in the amount of the premium and have him pay the policy. This sounds like your recommendation also.
Thank you very much! This helped a great deal.