An Irrevocable Life Insurance Trust (ILIT) can be an effective tool for managing life insurance proceeds, minimizing estate tax exposure, and creating a clear plan to provide for beneficiaries. For residents of Orland and Glenn County, understanding how an ILIT interacts with your broader estate plan is essential. The Law Offices of Robert P. Bergman offers straightforward guidance on whether an ILIT fits your circumstances, how to fund it, and what ongoing administration looks like. We focus on practical planning tailored to California rules and the financial realities families face here, ensuring beneficiaries receive intended protections and outcomes.
Choosing to create an ILIT involves more than drafting documents. It requires careful consideration of ownership, retitling of policies, gift tax implications, and trustee selection. In many cases an ILIT complements trusts like revocable living trusts or special needs trusts and integrates with documents such as pour-over wills, financial powers of attorney, and advance health care directives. Our approach at the firm emphasizes clear communication, step-by-step planning, and realistic timelines so that clients in Orland and surrounding communities can move forward confidently with an estate plan that reflects their priorities and family dynamics.
An ILIT can offer significant benefits, including greater control over life insurance proceeds, potential estate tax advantages, and a mechanism to protect proceeds from creditors or beneficiaries’ financial missteps. For those concerned about leaving a legacy for children, supporting a trust for a disabled family member, or preserving assets for future generations, an ILIT provides structure and direction. It can simplify distribution decisions and reduce the need for probate involvement. When paired with other estate planning documents, an ILIT helps create a cohesive plan that addresses both immediate liquidity needs and long-term asset preservation.
The Law Offices of Robert P. Bergman serves clients across San Jose, Orland, and broader California communities with personalized estate planning services including trusts, wills, and related probate matters. Our practice places emphasis on clear, practical advice tailored to each household’s goals. We guide clients through the selection and drafting of appropriate trust instruments, trustee roles, and funding strategies. Communication is a priority; we explain legal concepts in accessible terms, assess tax and gifting implications, and coordinate with financial advisors when needed so clients feel confident moving forward with a plan that protects their family and legacy.
An Irrevocable Life Insurance Trust is a legal arrangement created to own and control one or more life insurance policies outside of an individual’s taxable estate. Once established and properly funded, the trust becomes the policy owner and beneficiary, and the policyholder gives up certain ownership rights. This transfer typically keeps the death benefits out of the insured’s estate for estate tax purposes, provided specific timing and gifting rules are followed. ILITs also set terms for distribution, protect proceeds from creditors in many situations, and support designated beneficiaries according to the trust terms rather than through probate.
Setting up an ILIT involves careful drafting and administration steps. The trust document must clearly name the trust as owner and beneficiary, the grantor must make gifts to fund premium payments, and the trustee must manage those funds and the policy. There are also considerations related to the three-year rule in federal tax law and potential gift tax reporting. Additionally, selecting the right trustee, defining distribution provisions, and coordinating the ILIT with a revocable living trust or pour-over will are important to ensure the ILIT performs as intended and aligns with your overall estate goals.
An ILIT is a trust that owns life insurance policies and cannot be easily revoked or altered by the grantor after funding. The grantor transfers an existing policy to the trust or has the trust purchase a new policy. Because ownership changes, the death benefit generally is not included in the grantor’s taxable estate if transfers meet IRS timing requirements. The trustee is responsible for paying premiums using gifts from the grantor and distributing proceeds to beneficiaries under the trust terms. Clear documentation and compliance with tax reporting rules are necessary to secure the intended estate planning advantages.
Critical elements of an ILIT include the trust document, trustee provisions, funding mechanisms, premium payment arrangements, and distribution instructions. The process begins with drafting the trust, transferring ownership of an existing policy or issuing a new policy in the trust’s name, and arranging annual gifts to cover premiums. Trustees often maintain separate trust accounts and follow terms for distributing proceeds, which can be outright payments, staged distributions, or allocations designed to support minors or vulnerable beneficiaries. Coordination with other estate documents and careful recordkeeping for tax filings are essential parts of successful ILIT administration.
Familiarity with common terms helps when creating or administering an ILIT. Important concepts include grantor, trustee, beneficiary, assignment of policy, gift tax annual exclusion, the three-year inclusion rule, and trust funding. Understanding these terms clarifies responsibilities for premium payments, tax reporting, and distribution timing. This brief glossary explains foundational ideas and how they affect the legal and financial structure of an ILIT, allowing clients to make informed decisions and to coordinate with financial professionals while implementing a plan that aligns with their personal goals and California law.
The grantor is the person who establishes the trust and typically transfers ownership of a life insurance policy into the trust. The grantor makes gifts to the trust to cover premium payments and sets the trust’s terms for beneficiaries and distributions. Once ownership is transferred, the grantor usually loses direct control over the policy, which is why careful drafting and consideration of timing are necessary. The grantor’s intent, including the selection of beneficiaries and instructions for trustees, determines how proceeds will be used after the grantor’s death.
The trustee is the individual or institution responsible for administering the ILIT, paying premiums from trust funds, maintaining records, and distributing insurance proceeds according to the trust terms. A trustee’s duties include fiduciary-style decision making, communication with beneficiaries, and ensuring tax and reporting compliance. Choosing a trustee who understands the administrative obligations and who can coordinate with legal and financial advisors helps ensure the trust functions as intended and that beneficiaries receive their intended benefits without unnecessary delay or complication.
A beneficiary is a person or entity designated to receive proceeds from the ILIT after the insured’s death. Beneficiaries can include family members, trusts such as a special needs trust or irrevocable life insurance trust secondary beneficiaries, charities, or other entities. The trust document specifies how and when distributions will occur, which can range from immediate lump sums to staged or conditional distributions designed to protect assets and ensure proceeds meet the grantor’s objectives for long-term support.
The three-year inclusion rule refers to the federal tax provision that may include life insurance proceeds in the grantor’s estate if the insured transferred ownership of the policy to the trust within three years of death. To avoid inclusion, transfers should occur well before that time frame, and planning should account for this rule when creating or funding an ILIT. Understanding this rule helps in timing transfers, choosing when to purchase new policies inside the trust, and coordinating gifting strategies so the intended estate tax benefits are realized.
When considering an ILIT, it is helpful to compare it with other estate planning tools like revocable living trusts, beneficiary designations, and payable-on-death arrangements. A revocable trust offers flexibility during life but does not remove assets from the taxable estate. Beneficiary designations are simple but lack the control and creditor protection an ILIT can provide. Choosing between options depends on goals such as estate tax reduction, creditor protection, and control over distributions for beneficiaries. A combined approach often yields the best results, using an ILIT where life insurance proceeds require dedicated handling.
A limited approach may be appropriate when life insurance proceeds are modest relative to overall estate value and beneficiaries are financially stable and capable of managing inheritances. If a policy’s death benefit will not trigger estate tax concerns and the primary goal is a quick transfer of funds to a spouse or adult child, keeping the policy outside of a trust and using clear beneficiary designations can reduce administrative complexity. This approach may also be preferable for clients who value flexibility and wish to retain control of the policy during their lifetime without creating additional trust administration duties.
In some situations maintaining ownership of a policy and relying on beneficiary designations is the most suitable path because it preserves the owner’s ability to change the policy, access cash values, and make adjustments without the formalities of trust administration. This route can serve families who prefer straightforward financial arrangements and who do not foresee creditor concerns or complicated distribution needs. Keeping planning simple reduces paperwork and ongoing trustee obligations, and can be the best fit for individuals seeking minimal oversight while ensuring death benefits pass directly to intended recipients.
A comprehensive ILIT structure is often warranted when protecting proceeds from creditor claims, divorce, or beneficiary mismanagement is a priority. By placing life insurance policies into an irrevocable trust and setting clear distribution terms, the grantor can create barriers that help preserve assets for intended heirs. This planning is especially useful for families with complex financial profiles, business interests, or significant estate values where the stakes for preservation and creditor protection are higher and a tailored trust arrangement enhances long-term security.
A comprehensive approach is also prudent when life insurance must be coordinated with retirement accounts, estate tax planning, and succession planning for business interests. An ILIT can be designed to work in concert with irrevocable life insurance trust strategies, retirement plan trusts, and pour-over wills so that insurance proceeds provide liquidity for tax obligations or facilitate orderly transfers of business interests. Thoughtful coordination ensures benefits are used as intended and reduces the risk of unintended tax consequences or conflicts between plan documents.
A well-constructed ILIT offers predictable distribution of proceeds, potential estate tax mitigation, and protection against creditor claims in many circumstances. It allows the grantor to shape how insurance proceeds are used, whether for education, care of a dependent, or legacy transfers. Comprehensive planning also clarifies trustee duties, reduces uncertainty for family members, and documents processes for premium funding and administration. These factors can ease the burden on survivors after the grantor’s death and help make sure funds are available when and how beneficiaries need them.
In addition, integrating an ILIT with other estate planning documents increases overall plan consistency and reduces the likelihood of conflicts among beneficiary designations, wills, and trust provisions. When policies are properly titled and premium payments are handled through the trust, the estate plan functions more smoothly and transitions after death tend to be faster and less contentious. This comprehensive posture also helps trustees by setting clear instructions and expectations for managing and distributing proceeds according to the grantor’s priorities.
By placing life insurance into an ILIT and specifying detailed distribution terms, a grantor can better protect proceeds from creditors and limit how beneficiaries access funds. This control can be structured to provide staged distributions, educational allowances, or management by a trustee for beneficiaries who are minors or who face financial vulnerability. The resulting framework reduces the risk of rapid dissipation of assets and helps align distribution timing with family needs and long-term objectives, offering a balance of protection and practical access.
An ILIT can be a powerful element of a larger tax and estate plan when implemented with attention to federal and California rules. Properly timed transfers and funding strategies work to exclude life insurance proceeds from the taxable estate, which may reduce overall estate tax exposure for larger estates. Aligning the ILIT with retirement plan trusts, revocable living trusts, and pour-over wills ensures proceeds fulfill immediate obligations like taxes or debts while preserving intended distributions to heirs under the terms the grantor sets forth.
Starting ILIT planning early gives you time to address timing concerns such as the three-year inclusion rule, align premium funding with annual gift tax exclusion strategies, and select an appropriate trustee. Early planning reduces the risk of last-minute complications and allows for newly issued policies to be owned by the trust from inception. Taking time to coordinate the ILIT with other estate plan documents also ensures consistency and avoids conflicts between beneficiary designations and trust provisions, making the transition smoother for surviving family members.
Funding an ILIT usually requires annual or periodic gifts from the grantor to cover policy premiums, and these gifts should be documented to support annual exclusion treatment where applicable. Proper gift tax reporting and recordkeeping are essential to demonstrate compliance with IRS rules. Trustees should maintain clear accounting of premium payments and trust transactions so beneficiaries and advisors can verify that funds were used according to the trust terms. Advance coordination with financial planners helps ensure premiums fit within broader financial goals and tax strategies.
Consider an ILIT if you want to keep life insurance proceeds out of your taxable estate, control how proceeds are used, or provide creditor protection for beneficiaries. An ILIT is often appropriate for those with significant life insurance policies, blended families, business succession concerns, or beneficiaries who may need structured distributions. It can also be used to provide liquidity for estate taxes or debts so other assets do not need to be sold quickly. Evaluating an ILIT alongside your overall estate plan helps determine whether it advances your long-term objectives.
An ILIT may also be a fit when you want to support a loved one with special needs, protect assets intended for minors, or avoid complex probate issues with respect to life insurance proceeds. In cases where a revocable trust is already in place, an ILIT adds an additional layer of intentionality for insurance proceeds and can be coordinated with documents like a pour-over will, financial power of attorney, and health care directive. Discussing personal goals, family dynamics, and financial context will clarify whether an ILIT should be part of your estate plan.
Typical circumstances that prompt consideration of an ILIT include high net worth individuals concerned about estate taxes, business owners needing liquidity for succession, parents wanting to protect inheritances for children, and families seeking to provide for a loved one with ongoing care needs. Other situations include protecting proceeds from potential creditor claims or divorce actions, ensuring funds are managed for minor beneficiaries, and preserving assets across generations. Each scenario benefits from careful drafting to align the ILIT’s terms with the grantor’s intentions and family realities.
When life insurance proceeds are substantial relative to the overall estate, including them in a properly structured ILIT can help reduce estate tax impact and provide liquidity for tax obligations. Owners in this situation often require mechanisms to ensure heirs receive intended benefits without forcing the sale of business interests or real estate. An ILIT that is funded and administered in compliance with timing and gifting rules can keep proceeds outside the taxable estate and provide a reliable source of funds for settling estate liabilities.
An ILIT is useful when beneficiaries may need long-term support, such as minors or those with health or financial vulnerabilities. The trust can specify staged distributions, educational support, or ongoing payments administered by a trustee who manages funds responsibly. This structure helps ensure proceeds are used for intended purposes and reduces the risk of rapid depletion by a beneficiary who lacks experience managing large sums. Designing distribution terms around real family needs creates a stable and protective solution.
Business owners often use life insurance as a tool to fund buy-sell agreements or provide liquidity for a company after an owner’s death. Positioning life insurance within an ILIT can ensure those proceeds are available to fulfill succession plans without adding to the owner’s taxable estate. This arrangement can be structured to coordinate with retirement plan trusts and other business succession documents, helping ensure continuity of operations and fair treatment of business partners and family members during ownership transitions.
The Law Offices of Robert P. Bergman assist clients in Orland and across Glenn County with estate planning, including ILIT formation, trust funding, and coordination with wills, powers of attorney, and health care directives. We prioritize clear explanations, practical steps, and careful administration tailored to local needs and California law. Whether you are updating an existing plan or establishing an ILIT for the first time, we provide personalized guidance, thorough document preparation, and ongoing support to help ensure your intentions are honored and your family is protected in the years ahead.
Clients choose our firm for practical, client-focused estate planning that addresses both immediate and long-term goals. We emphasize clear communication, careful coordination with other plan documents, and realistic funding strategies for life insurance trusts. Our process includes reviewing existing policies, advising on transfers or new policy issuance within an ILIT, and ensuring trustees understand their duties. We aim to make complex planning accessible and manageable for families in Orland and throughout California.
Our approach includes thorough evaluation of tax considerations, funding methods, and timing to help clients avoid common pitfalls associated with life insurance transfers. We work with financial advisors and tax professionals as needed to align the ILIT with retirement planning and broader wealth transfer objectives. Clear documentation and ongoing administrative guidance help trustees carry out the grantor’s intentions, reducing uncertainty for beneficiaries when the trust comes into play.
We also focus on practical administration advice for trustees, including recordkeeping and premium payment arrangements, so the ILIT functions smoothly over time. For families with special circumstances — such as beneficiaries with disabilities or complex family structures — we tailor distribution provisions to protect interests and maintain flexibility where appropriate. Our goal is a durable plan that gives clients peace of mind about their legacy and the financial wellbeing of their loved ones.
Our process begins with a comprehensive review of your current estate plan, insurance policies, and family circumstances. We explain options for transferring existing policies or issuing a trust-owned policy, discuss funding and gifting strategies, and outline trustee responsibilities. Once terms are set, we prepare the trust document, assist with policy retitling when necessary, and provide trustees with written guidelines for premium payments and recordkeeping. We remain available to address questions and to update documents as circumstances change, ensuring the ILIT continues to meet evolving needs.
The first step is a detailed consultation to understand your objectives, existing policies, family dynamics, and any tax or creditor concerns. We discuss whether an ILIT suits your situation, what beneficiaries you want to protect, and how the ILIT should coordinate with your other estate planning documents. This stage includes gathering policy information, financial statements, and documents like wills, trusts, and powers of attorney so that we can design an ILIT that integrates seamlessly with your overall plan.
We collect and review life insurance policies, beneficiary designations, trust documents, wills, and financial records to determine the best structure for an ILIT. This review helps identify any timing concerns related to transfers, existing ownership arrangements, and potential tax consequences. By assembling all relevant information early, we can provide tailored recommendations that address gaps, minimize surprises, and lead to a smoother trust formation process for clients in Orland and surrounding areas.
During the initial phase we discuss funding approaches, including how premium payments will be made and whether annual gifts will be used to cover costs. We also explore trustee options, responsibilities, and succession planning. Clarifying these logistical details upfront helps prevent administrative issues later and ensures trustees understand their duties. This conversation establishes a practical framework for how the ILIT will operate and how it will coordinate with other estate planning instruments.
Once goals and logistics are agreed upon, we draft the ILIT document tailored to your wishes and legal requirements. This includes provisions for trustees, distribution instructions, funding directions, and contingencies. We coordinate with insurance carriers to effect policy transfers or to issue new policies in the trust’s name and prepare any assignment or certification documents necessary. Accurate drafting and attention to title changes are critical to help ensure the trust operates as intended when the policy pays out.
We draft clear trust provisions that outline how proceeds will be managed and distributed, including mechanisms for staged payments, education funds, or ongoing support. The trust also includes successor trustee provisions and guidance on trustee powers for investment and administration. These tailored provisions help trustees administer benefits according to your priorities while providing safeguards that reflect the needs of beneficiaries and any special family circumstances.
We assist in communicating with insurance companies to transfer ownership or to issue policies in the trust’s name, ensuring all necessary forms and endorsements are completed. Coordination with financial advisors may be necessary to align premium funding and overall financial planning. This collaboration minimizes errors in ownership designations and supports a seamless transition so the ILIT is funded and documented correctly from the outset.
After formation, the trustee administers the trust according to the terms, paying premiums from gifts provided by the grantor and maintaining detailed records. We provide guidance on annual gift management, tax reporting, and trustee recordkeeping to support compliant administration. Periodic reviews are recommended to adjust distributions or trusteeship as family circumstances or law changes. Our firm remains available to answer questions and to assist with amendments to connected estate documents where permitted and appropriate.
We provide trustees with written instructions and templates for accounting, premium payment records, and communication with beneficiaries and insurance carriers. Good recordkeeping supports accurate reporting and demonstrates appropriate use of trust funds. Trustees who follow consistent procedures help preserve the trust’s intended tax and protective benefits and reduce the likelihood of disputes or misunderstandings among beneficiaries during administration.
Estate planning is not a one-time event; we recommend periodic reviews to reflect changes in family circumstances, financial situations, or law. We coordinate ILIT administration with revocable trusts, wills, powers of attorney, and retirement plan trusts to ensure consistent outcomes. Regular check-ins allow for adjustments in funding strategies, trustee arrangements, or distribution provisions to keep the plan aligned with evolving goals and needs.
An Irrevocable Life Insurance Trust is a trust created to own life insurance policies and to manage the resulting death benefits outside of a person’s taxable estate. The grantor transfers ownership or has the trust purchase a new policy, and the trustee manages premium payments and eventual distributions to beneficiaries. Setting up an ILIT allows control over how proceeds are distributed and can protect funds from probate and, in many cases, from certain creditor claims or other claims against the estate. You might consider an ILIT if you want to remove life insurance proceeds from your estate for tax planning, protect proceeds for vulnerable beneficiaries, or ensure that funds are distributed according to specific instructions. Whether an ILIT is appropriate depends on policy size, estate value, family dynamics, and timing concerns such as the three-year rule. Discussing your goals and financial picture helps determine if an ILIT fits within your overall estate plan.
Transferring a life insurance policy to an ILIT may remove the death benefit from the grantor’s taxable estate, provided the transfer is completed well before death and other requirements are met. This can reduce potential estate tax liability for larger estates. It is important to consider federal rules and the timing of transfers to avoid inadvertent inclusion of proceeds in the taxable estate, which could defeat the intended tax benefits. While an ILIT can help with estate tax planning, it must be implemented correctly to be effective. Gift tax considerations, annual exclusion strategies, and proper documentation are part of the process. Coordination with financial advisors or tax professionals can help align the ILIT with broader tax planning and ensure that changes are reported and administered properly.
Naming a revocable trust as beneficiary can be a valid planning tool but differs from using an ILIT because a revocable trust remains part of the grantor’s estate while the grantor is alive. This means the policy proceeds may still be included in the taxable estate and may not offer the same creditor protections or distribution controls as an ILIT. A revocable trust offers flexibility but may not achieve the same degree of separation for life insurance proceeds. An ILIT provides a more structured approach to owning and distributing life insurance proceeds, often yielding estate tax and asset protection benefits when properly funded and administered. The choice between these options depends on goals related to tax planning, control, and protection for beneficiaries. Reviewing specific circumstances and the size of the insurance benefit helps determine the most appropriate solution.
The trustee of an ILIT is responsible for administering the trust according to its terms, managing premium payments, maintaining accurate records, communicating with beneficiaries, and distributing proceeds upon the insured’s death. Trustees may also handle tax filings associated with the trust and coordinate with insurance carriers to ensure title and beneficiary designations are correct. Trustees have fiduciary duties to act in the best interests of beneficiaries and to follow the instructions established by the grantor in the trust document. Choosing a trustee and outlining clear instructions for recordkeeping and distribution can prevent administrative problems and reduce conflict among beneficiaries. Trustees may be family members, trusted associates, or professional fiduciaries, and succession provisions should be included in the trust to address future changes. Providing trustees with templates and guidance helps them fulfill obligations and supports smooth administration when the trust becomes active.
Premiums for policies owned by an ILIT are usually paid from gifts that the grantor makes to the trust, often using the annual gift tax exclusion. The grantor provides funds to the trust, and the trustee uses those funds to pay premiums on the trust-owned policies. Proper documentation and consistent funding help maintain the trust’s intended tax treatment and support the orderly payment of premiums over the policy’s lifetime. It is important to plan for premium funding to avoid lapses and to consider the grantor’s long-term ability to make gifts. Coordination with financial planning can ensure that gift strategies align with other goals and that sufficient liquidity is available. Trustees should maintain detailed records of gifts and premium payments to support reporting and to demonstrate adherence to the trust’s funding strategy.
The three-year rule is a tax provision that may include life insurance proceeds in the grantor’s estate if the insured transferred ownership of the policy to the trust within three years of death. To avoid this inclusion, transfers should generally occur well before that three-year window, and planning should account for the timing of any transfer. Understanding this rule helps prevent unintended estate tax consequences that could undermine the ILIT’s purpose. Because of this rule, many planners recommend establishing and funding an ILIT early and taking into account the timeline if transferring an existing policy. In some situations other strategies may be recommended if the three-year period is a concern. Early planning and careful scheduling of transfers help ensure the ILIT functions as intended for tax planning purposes.
An ILIT can offer protection against many types of creditor claims for beneficiaries because the trust typically holds the proceeds, and distributions are controlled by the trustee under the trust’s terms. This structure often shields assets from creditors of beneficiaries and reduces the chance that funds will be subject to beneficiaries’ financial liabilities. However, protection depends on the trust’s terms and the specific legal context of creditor claims, so documentation and administration must be handled carefully to preserve these protections. While an ILIT may deter certain claims and provide a layer of protection, no strategy is completely immune to legal challenges. Proper drafting, timely transfers, and consistent administration improve the likelihood that proceeds will be treated as trust assets rather than estate assets. Consulting with legal counsel helps evaluate the scope of potential protections based on your circumstances and the relevant law.
An ILIT can be coordinated with special needs planning by directing insurance proceeds into a trust designed to preserve eligibility for public benefits while providing supplemental support. When beneficiaries receive funds through a properly drafted trust, the distributions can be managed to meet needs without disqualifying the beneficiary from means-tested programs. Coordination between an ILIT and a special needs trust ensures that funds intended for long-term care or personal support are used effectively and do not inadvertently reduce available public benefits. Careful drafting is necessary to ensure the ILIT and the special needs trust work together correctly. Language should specify how proceeds are allocated and whether funds pass to a separate special needs trust upon distribution. Working with counsel familiar with both life insurance trust mechanics and public benefits rules helps avoid pitfalls and preserves benefits for vulnerable beneficiaries while providing meaningful support.
To transfer an existing policy into a trust, you typically execute an assignment of ownership and change the policy owner and beneficiary to the ILIT. This process involves completing forms required by the insurance company, ensuring the trust documentation is in place, and documenting any gifts made to the trust to pay future premiums. It is important to verify that the insurance carrier accepts the assignment and to complete all necessary endorsements so the transfer is legally effective. Before transferring ownership, review timing considerations such as the three-year rule and assess whether the transfer may trigger gift tax reporting. Coordinate with trustees and advisors to ensure funds will be available to pay premiums, and maintain clear records of the transfer and subsequent gifts. Properly handled transfers help avoid administrative complications and support the trust’s intended benefits for beneficiaries.
You should review your ILIT and broader estate plan periodically, typically every few years and after major life events such as marriage, divorce, the birth of a child, a significant change in assets, or changes in tax law. Regular reviews ensure trustees, beneficiaries, and distribution terms remain aligned with your current circumstances and objectives. Periodic updates also allow for adjustments in funding strategies and coordination with other planning documents to maintain consistency and effectiveness. Staying proactive about reviews reduces the risk that outdated provisions will lead to unintended outcomes and ensures administrative processes remain clear for trustees. We recommend scheduling reviews whenever significant financial or family changes occur and consulting with counsel to confirm that the ILIT continues to reflect your goals and legal requirements.
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