But if kids are kept isolated, their immune systems aren't challenged early in life, and they may not develop normally.
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And Randy's life insurance is already in a separate irrevocable life insurance trust for Penny and the kids, so it doesn't count against the exemption, either.
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"They may have kids and families, a life that they would have to change, and many people don't want to have to make that kind of change, " she said.
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