An Irrevocable Life Insurance Trust (ILIT) can be an important component of a thoughtful estate plan, particularly for individuals in Concord and across Contra Costa County who wish to remove life insurance proceeds from their taxable estate and provide directed benefit to heirs or beneficiaries. The Law Offices of Robert P. Bergman assists clients in evaluating whether an ILIT aligns with their overall financial and estate planning goals. This overview explains how an ILIT works, typical advantages and limitations, and how it coordinates with wills, revocable living trusts, and retirement plan designations to achieve protection and legacy objectives for family members, including provision for minors and dependents.
Many clients approach ILIT planning to accomplish specific goals such as preserving estate tax efficiency, providing liquidity for estate settlement costs, or ensuring proceeds are used in a controlled manner for beneficiaries. At the Law Offices of Robert P. Bergman we discuss how an ILIT interacts with existing estate planning documents like pour-over wills and revocable living trusts. We also consider practical matters such as funding the trust, naming trustees and beneficiaries, coordinating with life insurance carriers, and establishing distribution terms that reflect the client’s wishes and family dynamics across California and specifically in Concord and neighboring communities.
An ILIT offers distinct benefits for those seeking to separate life insurance proceeds from their taxable estate and exercise precise control over how proceeds are distributed. This type of arrangement can help reduce estate tax exposure for larger estates, provide ready liquidity to settle debts and administration costs, and protect proceeds from creditors or unintended claims. For family-focused planning, an ILIT can secure funds for education, special needs care, or long-term support while avoiding direct ownership of the policy by the insured, which could otherwise cause inclusion in the estate. Each situation is evaluated against the client’s goals, family structure, and financial picture in the regional context of Concord and Contra Costa County.
The Law Offices of Robert P. Bergman provides estate planning services across the Bay Area, helping families in Concord and throughout Contra Costa County design trusts and related documents tailored to personal circumstances. Our approach focuses on clear communication, practical drafting, and careful coordination of life insurance instruments with estate plans, retirement accounts, and legacy goals. Clients receive guidance on trust terms, trustee selection, and funding strategies designed to support family continuity and reduce administrative burdens after a death. We emphasize local knowledge of California rules and practical solutions to common estate planning challenges.
An Irrevocable Life Insurance Trust (ILIT) is a trust created to own and control one or more life insurance policies where the grantor transfers ownership and certain rights to the trust. By removing ownership from the grantor, the policy proceeds may avoid being included in the grantor’s taxable estate under many circumstances, subject to timing and retention rules under federal and state law. The trust will be managed by a trustee who administers distributions according to the terms set by the grantor, which can address beneficiary needs, creditor protection, and tax planning objectives. Proper structuring and timely funding are essential to achieve intended benefits.
Creating and funding an ILIT requires attention to details such as the timing of transfers, the form of gifts to the trust to pay premiums, and coordination with the insurance carrier’s ownership records. If the insured retains certain incidents of ownership or dies within a designated period after transfer, the proceeds could still be included in the estate. Trustees must also document receipt of premium gifts and manage trust accounts. For families in Concord and throughout Contra Costa County, ILIT planning is integrated with wills, revocable living trusts, and beneficiary designations to reduce disputes and ensure beneficiaries receive intended support under California law.
An ILIT is a trust that becomes the owner and beneficiary of a life insurance policy, designed so that policy proceeds are distributed by the trust rather than passing directly to heirs. The grantor creates the trust and relinquishes ownership rights, which allows proceeds to be managed according to instructions in the trust document. Trustees have fiduciary duties to administer the trust, handle premium payments when funded by gifts, and distribute proceeds per the trust terms. Because the trust is irrevocable, changes after funding are limited, so careful planning at creation is critical to match the trust provisions with the grantor’s long-term intentions and family needs.
Key elements of ILIT planning include drafting the trust document with clear distribution provisions, selecting trustees and successor trustees, specifying powers for trust administration, and detailing how and when beneficiaries can access funds. The process also addresses premium funding mechanisms, such as annual gifts under gift tax exclusions, and preparing Crummey notice procedures when applicable. Additional tasks involve coordinating policy assignments, updating insurance company ownership records, and documenting transactions to support tax positions. Effective ILIT planning anticipates future changes in family circumstances and seeks flexible yet protective trust provisions.
This glossary outlines terms commonly encountered when discussing ILITs so that clients in Concord and nearby communities can better understand planning discussions. Definitions cover trust roles, insurance ownership concepts, tax-related terms, and administration procedures. Familiarity with these words helps when reviewing draft documents, communicating with trustees and carriers, and making funding decisions. Clear terms also reduce confusion during trust administration and help ensure that the grantor’s intentions are followed accurately after the insured’s death.
An Irrevocable Life Insurance Trust is a trust that owns a life insurance policy and is designed to keep the death benefits outside of the insured’s taxable estate, when properly structured and funded. It requires the grantor to give up legal ownership of the policy and certain rights, which can help achieve tax planning and beneficiary protection objectives. Trust terms control distribution timing and conditions, and trustees administer premiums and policy matters according to the trust’s provisions and applicable law. Proper documentation and timely actions are essential for the intended treatment.
A Crummey withdrawal right is a temporary power granted to trust beneficiaries to withdraw gifts to the trust for a short period, typically used to qualify premium gifts for the annual gift tax exclusion. The trustee gives beneficiaries notice of each gift and the opportunity to withdraw it, although beneficiaries often do not exercise the right. Proper notices and documentation are important to support the gift tax treatment and to show that gifts were present interest gifts meeting IRS requirements. This technique is commonly used when funding insurance premiums for an ILIT.
Incidents of ownership refer to rights in a life insurance policy that, if retained by the insured at death, can cause the policy proceeds to be included in the insured’s estate for tax purposes. Examples include the right to change beneficiaries, cancel or borrow against the policy, or change ownership. An ILIT aims to avoid such incidents by transferring full ownership and control to the trust. Careful drafting and transfer timing are necessary to prevent unintended retention of such rights that could defeat the ILIT’s intended benefits.
Gifting and premium funding describe how the grantor provides funds to the ILIT to pay insurance premiums. This typically involves annual gifts that qualify for the gift tax annual exclusion, accompanied by proper notices to beneficiaries when Crummey rights are used. Alternatively, larger transfers or lump-sum funding can be structured with tax considerations in mind. Trustees must track receipts and manage trust accounts so premiums are timely paid and records are available to support the trust’s tax treatment and administration decisions.
When considering life insurance within an estate plan, options include keeping the policy in personal ownership, designating beneficiaries directly, or placing the policy in an ILIT or other trust vehicle. Personal ownership is simple but risks estate inclusion. Direct beneficiary designations provide ease but may lack control or creditor protection. An ILIT offers structured control and potential tax advantages but requires irrevocable transfer and careful administration. The choice depends on family needs, asset levels, tax considerations, and the desire for control over distributions and creditor protection across California and especially in Contra Costa County.
For individuals whose estate and insurance values are modest, keeping a policy in personal ownership with direct beneficiary designations can meet family needs without the complexity of a trust. In such situations, the marginal tax savings or protective benefits from an ILIT may not justify the administrative steps required to form and fund a trust. Simpler arrangements can reduce paperwork, avoid ongoing trust administration, and still provide immediate proceeds to beneficiaries. The decision should reflect the size of the policy, family circumstances, and the client’s preference for simplicity over additional control measures.
If beneficiaries are clearly named and there is minimal concern about potential creditor claims, divorce, or beneficiary mismanagement, a straightforward beneficiary designation may be sufficient. Some families prioritize direct, rapid access to proceeds with minimal administration following a death. In areas such as Concord, where family dynamics and asset levels vary, this approach can be a practical choice when the objective is immediate liquidity for loved ones and administrative simplicity rather than the tailored protections and distribution controls provided by a trust.
A trust-based approach like an ILIT becomes preferable when there are significant estate tax concerns or when clients wish to shield proceeds from potential creditor claims or family disputes. An ILIT can remove insurance proceeds from the grantor’s estate when properly structured and can include conditions that protect distributions against claims or poor financial decisions. For families with complex holdings, business interests, or blended family situations, a trust provides a vehicle for durable control and peace of mind that funds will be used as intended for descendants and beneficiaries across Concord and the broader California context.
When clients want proceeds disbursed over time, held for education or health care, or directed to multiple classes of beneficiaries with differing needs, an ILIT allows for tailored distribution schedules and conditions. Staged distributions can protect younger beneficiaries and ensure funds are used for long-term support goals rather than immediate consumption. Trustees can be designated with clear guidance to manage distributions, invest funds prudently, and report to beneficiaries, which is especially helpful for families that value long-term stewardship of insurance proceeds and wish to avoid disputes after the insured’s passing.
Using an ILIT as part of a comprehensive estate plan can provide tax planning advantages, preserve proceeds for intended beneficiaries, and offer creditor protection in many scenarios when properly drafted and administered. The trust can also coordinate with other documents such as a revocable living trust, pour-over will, financial powers of attorney, and health care directives to form a cohesive plan. A comprehensive approach helps reduce administrative friction, clarifies the grantor’s intentions, and provides trustees with clear instructions to carry out distributions in accordance with family goals across Concord and the surrounding region.
Further benefits include the capacity to set conditions for distributions, appoint trusted fiduciaries, and maintain continuity of benefit management if beneficiaries face special circumstances like disabilities or minors. Combining an ILIT with supporting documents such as guardianship nominations, HIPAA authorizations, and durable financial powers ensures that health, financial, and legacy matters are handled together. Thoughtful integration of these elements can create a plan that adapts to life changes while preserving the grantor’s intent and easing the administrative burden on family members after a loss.
An ILIT can create liquidity for estate settlement costs and reduce the portion of the estate subject to federal estate tax when transfers meet applicable legal requirements. By removing insurance proceeds from the taxable estate, the trust can be used to pay debts, expenses, and taxes without forcing beneficiaries to sell assets. This planning tool is particularly valuable for estates with illiquid assets such as real property or closely held business interests. Properly timed transfers and record-keeping allow families in Concord and Contra Costa County to plan for these practical needs while pursuing broader legacy objectives.
An ILIT allows grantors to control the timing, purpose, and manner of distributions to beneficiaries, offering protections against mismanagement, creditor claims, or competing claims among family members. Trustees administer proceeds according to instructions in the trust, which can include provisions for education, health care, special needs, or staged distributions. These mechanisms provide confidence that benefits will support long-term needs and family goals, rather than being subject to immediate division or external claims, thereby preserving wealth and intent across generations.
Ensure the life insurance carrier’s ownership and beneficiary designations match the intention to have the ILIT own the policy. Any discrepancy between carrier records and trust documentation can complicate administration and undermine the trust’s objectives. When transferring ownership, confirm the insurer updates its records promptly and retains copies of assignment forms. Trustees should keep clear records of premium payments and communications with the insurer. This coordination helps reduce administrative delays and supports the trust’s intended treatment for beneficiaries across Concord and the surrounding regions.
Choose trustees who are able to manage financial responsibilities, communicate with beneficiaries, and follow the grantor’s instructions fairly. Consider naming successor trustees and providing guidance about investments, distributions, and reporting. Trustees do not need to manage every detail personally; they can engage professional advisors for tax or investment matters while retaining ultimate responsibility for administration. Clear selection and guidance for trustees help ensure continuity of benefit management and reduce the likelihood of conflicts during trust administration after the insured’s death.
Clients consider an ILIT to accomplish goals such as keeping life insurance proceeds out of the taxable estate, protecting proceeds from creditor claims, and controlling how benefits are distributed to family members. For those with significant assets or blended family dynamics, an ILIT offers a structured approach to preserve wealth and direct funds for particular uses like education, medical care, or long-term support. The trust can also be used to coordinate with other estate planning tools so that beneficiaries receive support in a manner consistent with the grantor’s overall intentions across Concord and other California communities.
Beyond tax and creditor considerations, an ILIT is attractive to families wanting to provide professional administration of insurance proceeds after a death, particularly where beneficiaries may be young, have special needs, or could otherwise mismanage an immediate lump sum. A trust-based arrangement can reduce disputes among heirs and ensure that proceeds are applied toward the grantor’s stated priorities. When combined with powers of attorney and healthcare directives, an ILIT becomes part of a comprehensive plan that addresses the full range of legacy, health, and financial concerns.
Typical circumstances prompting ILIT planning include owners of high-value life insurance policies, individuals with significant estate tax exposure, business owners seeking liquidity for succession or debt repayment, and those who wish to protect proceeds from creditors or family disputes. Families with minor children or beneficiaries who require ongoing financial management may also use an ILIT to set distribution schedules. Each case involves balancing the benefits of control and protection against the irrevocable nature of the trust, and careful planning determines whether the trust aligns with the client’s goals in the Concord and Contra Costa County context.
When the combination of insurance proceeds and other assets creates potential estate tax exposure, an ILIT can help segregate life insurance proceeds from the taxable estate when transfers are structured correctly. This approach is often used by families whose estates approach thresholds where tax planning can preserve substantial value for beneficiaries. Consideration must be given to timing, the transfer of ownership, and any retained rights that could cause inclusion in the estate, so planning is conducted proactively to align with federal and state law.
Families with beneficiaries who are minors, have special needs, or are otherwise unable to manage large sums may choose an ILIT to provide structured support. The trust allows the grantor to set conditions for distributions and appoint trustees to manage funds responsibly. This protection helps ensure that proceeds serve long-term needs rather than being exhausted quickly, and can be coordinated with special needs planning and guardianship nominations to address overlapping concerns about care and financial support.
Business owners may use life insurance within an ILIT to provide liquidity for business continuation, buy-sell arrangements, or to pay taxes and debts without selling business assets. By directing life insurance proceeds to a trust, the business’s value can be protected and succession plans can be funded efficiently. This mechanism supports orderly transitions while keeping proceeds apart from the owner’s personal estate, facilitating smoother administration and clearer distribution outcomes for family members and business partners.
The Law Offices of Robert P. Bergman provides practical estate planning guidance to residents of Concord and nearby communities, helping families design trusts, wills, and related documents that reflect personal priorities and legal requirements. We assist with creating ILITs, coordinating life insurance ownership, and integrating trust terms with other estate planning tools such as powers of attorney, HIPAA authorizations, and guardianship nominations. Our goal is to make the planning process clear and manageable so clients can feel confident their affairs are organized and their wishes are documented.
Clients choose the Law Offices of Robert P. Bergman for thoughtful guidance on trust-based life insurance planning and broader estate strategies within California. We focus on careful drafting, practical administration recommendations, and coordination of trust documents with existing estate plans. Our process includes clear explanations of options, tailored drafting to reflect client priorities, and assistance with procedural steps such as policy transfers and funding. The objective is to create durable trust arrangements that meet client goals for protection, control, and legacy planning in Concord and throughout Contra Costa County.
We work closely with clients to identify appropriate trustees, document funding plans, and prepare notices or records that support the trust’s intended tax and administrative treatment. Our approach emphasizes proactive planning, so potential pitfalls are addressed before they arise. When coordinating estate planning matters such as pour-over wills or revocable living trusts, we seek predictable outcomes that align with the client’s wishes and family dynamics. Clear communication and thorough documentation are central elements of our planning process.
Throughout the planning and funding stages we provide practical recommendations for record-keeping, trustee responsibilities, and interaction with insurance carriers. We help clients evaluate whether an ILIT is appropriate, identify funding strategies, and implement the chosen plan efficiently. The goal is to reduce administrative burdens for those left behind and to ensure proceeds are managed in a manner consistent with the grantor’s intentions and the beneficiary’s needs in the local legal and tax environment.
Our process for implementing an ILIT begins with an initial consultation to review family, financial, and legacy goals, followed by drafting the trust document and coordinating policy ownership transfers. We explain funding options, prepare beneficiary notices when necessary, and assist with communications to insurers. After funding, we provide trustees with guidance on record-keeping and administration duties. The process is designed to be thorough and efficient, reducing uncertainty and ensuring the trust operates as intended for clients in Concord and the surrounding Bay Area communities.
The first step involves a careful review of the client’s existing estate plan, insurance policies, assets, and family circumstances to determine whether an ILIT is appropriate. We assess how an ILIT would interact with revocable living trusts, wills, beneficiary designations, and retirement accounts. Options are discussed in plain language so clients understand trade-offs and outcomes. This assessment guides the selection and drafting of the trust and associated documents necessary to accomplish the client’s estate planning objectives in Concord and Contra Costa County.
We examine current wills, trusts, powers of attorney, insurance policies, and retirement account designations to identify conflicts and ensure coordination. Understanding the present arrangement helps determine any necessary changes, policy assignments, or beneficiary updates. This review also highlights timing issues for transfers and any administrative steps required to implement an ILIT without unintended tax consequences. Clear documentation of existing arrangements supports a smoother transition to a trust-based ownership structure.
During the initial phase we discuss who will serve as trustee, how beneficiaries will be classified, and the preferred method for funding premium payments to the trust. Considerations include naming successor trustees, outlining distribution criteria, and deciding whether to use annual gifts or lump-sum funding. We also review the impact of Crummey notice procedures and the record-keeping that will support the trust’s administration and tax treatment.
After decisions are made on trust terms and funding, we prepare the ILIT document, coordinate necessary transfer instruments, and assist in updating policy ownership with the insurer. Drafting includes provisions for trustee powers, distribution standards, and contingencies for incapacity or beneficiary changes. The transfer is handled carefully to avoid retaining incidents of ownership that might cause estate inclusion. Trustees are provided with instructions on accepting ownership, managing trust funds, and paying premiums in compliance with the plan.
The trust document is drafted to reflect distribution goals, trust administration rules, and trustee powers, with attention to California law and federal tax considerations. Transfer instruments and assignment forms are prepared to effect transfer of the policy to the trust. Careful drafting addresses potential future scenarios and sets out procedures for funding and trustee actions to reduce ambiguity and support consistent administration over time.
We work with the life insurance carrier to ensure ownership and beneficiary changes are processed promptly and accurately. Confirming that the insurer recognizes the ILIT as owner and beneficiary prevents administrative issues at claim time. Trustees should retain copies of carrier confirmations, assignment forms, and policy documents to support future administration and claims processing. Clear cooperation with the insurer reduces risk of disputes and ensures proceeds are distributed according to the trust terms.
Once ownership is transferred, the trust must be funded to pay premiums and maintain the policy. Trustees administer premium gifts, provide notices when needed, and keep accurate records. Ongoing administration includes managing trust accounts, investing funds prudently, and making distributions per the trust terms. Periodic reviews of the trust and insurance arrangements help ensure continued alignment with client goals as laws and family circumstances change, and trustees are supported with guidance for responsible stewardship.
Trustees track receipt of premium funds, maintain bank and gift records, and document any beneficiary notices related to funding. Accurate records support the tax treatment of gifts and help demonstrate proper administration. Trustees also communicate with beneficiaries about trust operations and maintain documentation for future distributions and claims, keeping the trust functioning transparently and in accordance with the grantor’s instructions.
Regular reviews of the ILIT and related estate planning documents ensure that the trust continues to meet goals in light of changing family, financial, or legal circumstances. Trustees and clients should revisit funding levels, policy performance, and distribution provisions. Coordination with other estate planning instruments such as revocable trusts, wills, and powers of attorney helps maintain a cohesive plan and anticipates future needs, providing continuity and clarity for beneficiaries across generations.
An Irrevocable Life Insurance Trust is a trust that becomes the owner and beneficiary of a life insurance policy to achieve specific estate planning objectives, such as removing proceeds from the insured’s taxable estate when properly structured. The grantor transfers ownership to the trust and gives up certain rights associated with the policy so that the trust holds the policy and trustees manage benefits for beneficiaries according to the trust document. Trustees handle premium payments, administer distributions, and coordinate with insurers. Setting up an ILIT involves drafting the trust, transferring ownership with required assignment forms, and funding the trust so premiums are paid. Effective implementation requires attention to timing and documentation to avoid retention of incidents of ownership that could cause estate inclusion. Trustees must maintain records of gifts and premium payments to support the trust’s administration and tax treatment.
Placing a policy in an ILIT can remove the proceeds from the taxable estate, but this result depends on specific facts such as whether the grantor retained any incidents of ownership or whether the insured died within a certain period after transfer. California residents should consider federal rules and relevant timelines to ensure the transfer achieves the intended tax treatment. Proper drafting and immediate changes to insurer records help reduce the risk of inclusion in the estate. Timing and the presence of any retained powers are critical. If the insured retains rights like the ability to change beneficiaries or borrow against the policy, the proceeds may be included. Therefore, careful planning, documentation, and coordination with the insurer are necessary to support the desired estate tax outcome and to document that the trust owns the policy outright.
Once the policy is owned by the ILIT, premiums are typically paid by gifts from the grantor to the trust, which the trustee then uses to pay the insurer. Many grantors use the annual gift tax exclusion to fund premium payments, accompanied by notices to beneficiaries when Crummey withdrawal rights apply. Trustees must keep accurate records showing receipt of gifts and payment of premiums to support tax positions. Other funding strategies include lump-sum contributions or structured funding arrangements when larger transfers are appropriate. Trustees should follow the trust’s procedures for accepting gifts and making payments, and they may consult with tax advisors when complex gifting arrangements are used to ensure compliance with applicable gift tax and trust administration rules.
A trustee should be someone who can manage financial matters responsibly, communicate with beneficiaries, and follow the grantor’s instructions impartially. Grantors often choose a trusted individual, a family member, or a professional fiduciary depending on the complexity of the trust and the nature of the beneficiaries’ needs. Successor trustees should also be named to provide continuity if the initial trustee is unable to serve. Trustees are responsible for accepting ownership of the policy, managing trust funds, paying premiums, keeping records, and distributing benefits according to the trust terms. They have fiduciary duties to act in the beneficiaries’ best interests and to maintain accurate records to support the trust’s administration and tax treatment.
Yes, an ILIT can be drafted to provide for beneficiaries with special needs or minors by establishing distribution rules, appointment powers, and protections that preserve eligibility for public benefits when appropriate. Careful drafting can ensure that trust distributions supplement rather than replace government benefits and that funds are handled in a manner that addresses long-term care or developmental needs. Guardianship nominations and other documents can be coordinated with the ILIT to address comprehensive planning needs. For minors, the trust can provide staged distributions or use trustee discretion to manage funds until beneficiaries reach maturity or meet specified milestones. These provisions protect assets from mismanagement and provide a structured plan for education, health care, and support, allowing families in Concord to plan for the future with greater certainty.
If the insured dies soon after transferring a policy to an ILIT, the timing may affect whether the proceeds are included in the estate. Federal rules treat transfers within a specified period as potentially retained for estate tax purposes if certain incidents of ownership were present at death. Because of these timing rules, planning should be done in advance when possible, and transfers should avoid retaining powers that could cause inclusion. When transfers occur close to death, it is important to review the specifics to determine tax consequences and to assess whether alternative planning steps are available. Trustees and beneficiaries should preserve documentation of the transfer, ownership changes with the insurer, and records of any retained rights to support a clear administrative record.
An ILIT is one piece of an integrated estate plan and should be coordinated with wills, revocable living trusts, financial powers of attorney, and health care directives. Drafting and funding the ILIT should align with beneficiary designations on retirement accounts and other assets so that the grantor’s overall plan is coherent and avoids unintended conflicts. Pour-over wills can assist when revocable trusts are part of the broader plan, directing residual assets consistently with the trust structure. Coordination reduces the risk of competing claims and clarifies post-death administration steps. We assess the entire estate plan to confirm that changes to ownership, beneficiary designations, and trust terms produce the outcomes the client expects for beneficiaries in Concord and across California.
Funding an ILIT may have gift tax implications depending on the size and timing of contributions. Annual gifts used to pay premiums commonly rely on the gift tax annual exclusion, with proper notices to beneficiaries when Crummey withdrawal rights apply to preserve exclusion treatment. Documentation of gifts and timely notices help support these tax positions and reduce the likelihood of disputes or challenges. Larger transfers or lump-sum funding may require additional tax planning and reporting. Trustees and grantors may consult tax advisors to evaluate the potential need for gift tax returns or alternative funding techniques, ensuring compliance with federal rules and alignment with overall estate planning objectives.
An ILIT can own multiple life insurance policies if the trust terms and funding strategy accommodate them. Combining policies within a single trust can simplify administration and unify distribution provisions for beneficiaries. Alternatively, multiple trusts may be used when different policies are intended for distinct purposes or beneficiary groups. The decision depends on the client’s objectives, family structure, and administrative preferences. Combining an ILIT with other trust types is possible with careful drafting, but attention must be paid to tax consequences and trust administration complexities. Coordination ensures that each trust’s terms are consistent and that trustees understand their respective roles in managing assets and making distributions.
To start creating an ILIT in Concord, contact the Law Offices of Robert P. Bergman to schedule a consultation where we review your goals, existing documents, and insurance policies. During the initial meeting we assess whether an ILIT fits your plan, discuss trustee selection and funding strategies, and outline the steps for drafting and transferring ownership. This early review helps identify potential timing or design issues and sets a clear path forward. If you proceed, we will prepare the trust documentation, coordinate transfers with insurers, and assist with funding and notice procedures. We guide trustees on record-keeping and administration to ensure the ILIT functions as intended and integrates with the rest of your estate plan for peace of mind and clarity for your family.
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