问题如下图：
请问 如何用retirement plan 和 life insurance 来避免遗嘱认证？谢谢
包包_品职助教 · 2019年11月18日
嗨，爱思考的PZer你好：
retirement plan（退休计划）不能用来避免遗嘱认证，life insurance 是可以的。
比如一个有钱人想给儿子留一亿的遗产，他就可以买一个一亿的保单，指定受益人是他的儿子，那他死了保险公司会赔付给他儿子一个亿。这样他就可以不用立遗嘱就把资产转移给儿子了。
-------------------------------虽然现在很辛苦，但努力过的感觉真的很好，加油！
lalasummerrrrr · 2019年11月24日
那请问一下为什么书上答案有写retirement plan？ 勘误吗 谢谢
大鱼 · 2019年12月01日
同问!
The awing up of a will is area of estate planning threquires invito have a cleunrstanng of the tansuccession (or inheritance) laws of any jurisction of relevanto the testator. Although invimeleto up a will, the vality of the will coulsubjeto various challenges in the probate process. In aition, probate mcreate sizeable court fees well unwelcome publicity ana lin the stribution of assets. scrihow invicattempt to reor even avoithe impaof probate. There is often a sire to avoiprobate court fees msizable, anthe process ccause a lin the transfer of assets to intenbeneficiaries. A will cchallenge anits contents are often a matter of public recor whimconcern some wealthy families it mcause embarrassment or vulge sensitive financiinformation. Moreover, many problems carise in probate when multiple jurisctions are involve In some instances, probate cavoior its impalimiteholng assets in joint ownership (e.g., joint tenanwith right of survivorship), living trusts, retirement plans, or life insuranstrategies. Through these structures, ownership transfers without the neefor a will, anhenthe probate process cavoi 答案中先陈述了遗嘱probat的三个原因，然后再陈述的如何回避遗嘱认证程序，如果上午题中只陈述回避遗嘱认证程序的方法可以吗？是会被判回答不完整吗
The awing up of a will is area of estate planning threquires invito have a cleunrstanng of the tansuccession (or inheritance) laws of any jurisction of relevanto the testator. Although invimeleto up a will, the vality of the will coulsubjeto various challenges in the probate process. In aition, probate mcreate sizeable court fees well unwelcome publicity ana lin the stribution of assets. scrihow invicattempt to reor even avoithe impaof probate. There is often a sire to avoiprobate court fees msizable, anthe process ccause a lin the transfer of assets to intenbeneficiaries. A will cchallenge anits contents are often a matter of public recor whimconcern some wealthy families it mcause embarrassment or vulge sensitive financiinformation. Moreover, many problems carise in probate when multiple jurisctions are involve In some instances, probate cavoior its impalimiteholng assets in joint ownership (e.g., joint tenanwith right of survivorship), living trusts, retirement plans, or life insuranstrategies. Through these structures, ownership transfers without the neefor a will, anhenthe probate process cavoi 那请问一下为什么书上答案有写retirement plan？ 勘误吗 谢谢