I am near deal-close and working through estate planning and finalizing life insurance Who included life insurance collateral assignment language for their investors into their operating agreement? What sort of arrangement is it? How does it work? This has been difficult for me to wrap my head around - If you die as the owner operator and your investors receive life insurance pay-out equal to their initial capital contribution, do they not still have the ability to sell their equity to the owner operator's heir at market rate, thus 'double-dipping'? Or when the life insurance pays out, does that effectively buy the investor out with their equity automatically going to the heir?