Which of the following is NOT a topic in typical estate planning conversations?

Health insurance considerations typically do not fall within the primary focus of estate planning conversations. Estate planning primarily revolves around managing and transferring an individual's assets upon their death, ensuring that their wishes regarding property distribution are honored and minimizing estate taxes and legal complications.

In contrast, disability trustee planning focuses on appointing a trustee to manage assets in the event that the individual becomes incapacitated. Probate avoidance is a common topic in estate planning discussions, as individuals often seek ways to transfer their assets without undergoing the lengthy and often costly probate process. Creditor protection discussions also play a significant role in estate planning, as individuals aim to safeguard their assets from potential claims by creditors. Each of these topics pertains directly to the strategies for managing one's financial affairs and legacy, which is why they are integral to estate planning.