Although he has a vast fortune, ricky has decided not to prepare an estate plan because he believes that his surviving family members will divide up his assets appropriately. which of the following is not a risk associated with failing to plan an estate? a. ricky's estate could incur excessive transfer taxes. b. ricky's favorite corvette may not be transferred to his ex-wife, carla. c. ricky's insurance policy on his own life may not be paid out to the named beneficiary. d. ricky's current wife, lucille, may not provide for ricky's children from a previous marriage.