Question: 

Zaid foresees that his estate will pay large sums in Estate Duty Tax upon his demise.(up to 20% of his estate)

He is advised to open a life policy, and upon his demise the life policy will pay funds into his estate. His intention hereby is twofold.

1- he would like his executors to withdraw all premiums he has paid into his life policy, and this will form part of his estate. 

2- a large portion of his life policy payout is to be used to cover Estate Duty taxes.