1. Estate planning is a term to describe organizing your financial affairs so that money, property and other assets can go to your heirs in an efficient manner True or False?

2. The only way to ensure that a bank account passes to your heirs with a minimum of costs, taxes and hassles is to obtain a formal legal document called a "living trust." True or False?

3. Recent changes in the FDIC's insurance rules make it more likely that a family's deposits held by a living trust will be fully protected if their bank fails. This is because the FDIC will no longer impose limits on the insurance coverage if the trust contains conditions on when the funds could pass to a beneficiary. True or False?

4. John has both a payable-on-death trust account and a "living trust" account at the same bank. Both trusts name the same three people — John's wife and two children — as equal beneficiaries. Under the FDIC's rules, both accounts are combined for insurance purposes and protected up to $300,000 — $100,000 for each beneficiary. True or False?

5. If you receive an e-mail requesting you to re-submit your Social Security number and bank account information to a bank or company you may do business with, it's safe to provide this information as long as the e-mail includes the name and logo of that entity. True or False?