An Irrevocable Life Insurance Trust (ILIT) can be an effective estate planning tool for people in Hanford who want to protect life insurance proceeds from estate taxation and to ensure proceeds are distributed according to their wishes. This page explains how an ILIT functions, who can benefit from using this trust, and what steps are involved in creating and funding it in California. We represent clients with a broad range of planning needs and provide clear guidance about trust design, funding mechanics, and how the trust interacts with other estate documents to accomplish your goals while complying with state law.
Selecting the right provisions for an ILIT requires careful consideration of family circumstances, tax consequences, and long-term intentions for the policy proceeds. This discussion walks through common choices, such as naming the trust as owner and beneficiary of a life insurance policy, setting distribution schedules, and appointing trustees who will administer benefits for beneficiaries. We also cover related documents that typically accompany an ILIT, including pour-over wills, powers of attorney, and health directives, so you can see how the ILIT fits into a complete estate plan tailored to your situation in Kings County.
An ILIT can remove life insurance proceeds from a taxable estate, provide liquidity for paying debts or taxes, and preserve benefits for intended beneficiaries according to your design. For families with significant life insurance holdings or business owners who rely on insurance to fund buy-sell arrangements, an ILIT offers control over timing and conditions of distributions. Beyond tax planning, an ILIT can protect proceeds from creditor claims and offer structured payouts for minors, adults with special needs, or beneficiaries who may need oversight. Crafting the trust documents carefully helps ensure your insurance achieves its intended financial protection goals over time.
Law Offices of Robert P. Bergman serves clients across California and provides focused estate planning representation for individuals and families, including residents of Hanford and Kings County. Our practice covers drafting living trusts, wills, powers of attorney, health care directives, and specialized trusts like ILITs and irrevocable life insurance arrangements. We emphasize thoughtful planning that aligns with a client’s family dynamics, financial circumstances, and long-term goals so that the plan is both practical and durable. When you contact our office, we take time to understand your priorities and describe options plainly so you can make informed decisions.
An ILIT is a trust designed specifically to own and receive proceeds from a life insurance policy. Once created and funded properly, the trust is the owner of the policy, removes the proceeds from the policyholder’s taxable estate, and provides the trustee with authority to manage distribution to beneficiaries under terms you set. Funding an ILIT typically involves either transferring an existing policy into the trust or having the trust purchase a new policy. The timing of transfers and the way premiums are paid are important factors that affect whether the policy avoids estate inclusion under federal and state rules.
Establishing an ILIT requires clear choices about who will serve as trustee, who will be beneficiaries, and how distributions will be handled after the insured person passes away. Gift tax considerations can arise when transferring a policy to the trust or when making ongoing premium gifts to the trustee to pay premiums. Grantor trust status and three-year inclusion rules are among the technical matters that must be considered in the drafting and funding process. An effective ILIT works in concert with a full estate plan that addresses wills, powers of attorney, and trust provisions that coordinate with the trust design.
An ILIT is an irrevocable trust created to own life insurance on the life of the settlor or another insured. The trust is structured so that the policy proceeds are held and managed by the trustee for the benefit of named beneficiaries. Because the trust is irrevocable, the grantor gives up direct ownership of the policy, which helps remove the death benefit from the grantor’s taxable estate when properly executed. The trust document also contains instructions for how premiums are funded, how proceeds are distributed, and conditions or timing for distributions designed to meet the grantor’s planning objectives.
Core elements include the trust agreement naming a trustee, beneficiaries, and trust terms; ownership and beneficiary designation naming the trust as owner and beneficiary; and a funding plan to provide premium payments. Implementation often involves transferring an existing policy to the trust or issuing a new policy owned by the trust. The trustee must manage premium receipts, record keeping, and eventual distribution of proceeds according to the trust terms. Other processes include coordinating the ILIT with the broader estate plan, addressing tax filings and gift tax considerations, and reviewing the arrangement periodically to ensure it remains aligned with the grantor’s objectives.
Understanding specialized terminology helps when planning and implementing an ILIT. Terms such as grantor, trustee, beneficiary, premium funding, and estate inclusion rules are central to meaningful conversations about trust design. This section defines those terms and explains how they affect the trust’s legal and tax status. Familiarity with these concepts enables clearer decision making about who should hold trustee powers, how to structure distributions, and what steps are necessary to secure the intended results for beneficiaries while complying with applicable legal and tax requirements.
The grantor, sometimes called the settlor, is the person who creates the ILIT and transfers rights in a life insurance policy to the trust. By establishing the trust and relinquishing ownership of the policy, the grantor sets the trust terms that instruct the trustee how to manage and distribute policy benefits. The grantor’s choices about trustees, beneficiaries, and distribution terms shape how the trust will operate after the grantor’s death. Proper drafting and timely funding by the grantor are necessary to achieve estate planning and tax objectives.
The trustee is the individual or entity appointed to manage the ILIT according to its terms and in the best interests of the beneficiaries. Responsibilities include receiving policy proceeds, investing trust assets prudently, making distributions consistent with the trust instrument, and maintaining accurate records. The trustee also handles communications with insurance companies and tax professionals as needed. Selecting a trustee who is comfortable with fiduciary duties and recordkeeping responsibilities is an important decision in establishing a reliable ILIT administration framework.
Beneficiaries are the people or entities entitled to receive trust distributions from the ILIT. The trust document specifies who the beneficiaries are and under what conditions they may receive funds. Beneficiaries can include family members, trusts for minors, charitable organizations, or entities established for special needs. Clear beneficiary designations and distribution provisions help ensure that proceeds are used as intended, providing financial support or protection for heirs while avoiding unintended consequences that could arise from vague instructions.
Estate inclusion rules determine whether life insurance proceeds are included in a decedent’s taxable estate for federal estate tax purposes. Certain transfers within a three-year period before death or retained incidents of ownership can cause proceeds to be included despite the ILIT. Addressing these rules requires careful planning about when to fund an ILIT and how ownership and beneficiary designations are structured. Working through these matters ensures that the trust achieves the goal of keeping proceeds outside the taxable estate when that is the chosen objective.
There are multiple ways to handle life insurance in an estate plan, each with strengths and trade-offs. Leaving a policy in the individual’s name is simple but can result in estate inclusion. Naming beneficiaries directly avoids trust administration but provides less control over distribution. An ILIT adds structure and potential estate tax benefits while increasing administrative complexity and requiring irrevocability. Other options can include limited lifetime gifts or different trust arrangements that provide varied levels of control and creditor protection. Comparing these options helps determine which approach aligns with family goals and tax planning priorities.
For individuals with modest overall estate values or only small life insurance policies, the costs and administrative requirements of an ILIT may outweigh potential benefits. In such circumstances, keeping the policy in the individual’s name and relying on direct beneficiary designations may be a practical choice. Simpler approaches reduce paperwork and ongoing trust administration. It is still important to coordinate beneficiary designations with broader estate documents to avoid unintended consequences, but a limited approach can be appropriate when estate tax exposure is unlikely and family needs are straightforward.
When beneficiaries are capable, of age, and there are no concerns about how proceeds will be spent, direct beneficiary designations may provide the clarity and speed families prefer. Immediate access to funds can be helpful for covering final expenses and other needs without the delay of trust administration. In these cases, families who prioritize simplicity may choose to avoid creating an irrevocable trust and instead use a will or revocable trust to handle other estate matters, relying on direct insurance payouts to serve the immediate financial needs of survivors.
An ILIT functions best when coordinated with a complete estate plan that includes a revocable living trust, pour-over will, powers of attorney, and healthcare directives. Comprehensive planning ensures that beneficiary designations, trust terms, and asset ownership work together without creating conflicts or unintended tax consequences. By reviewing the full set of documents, you can ensure the ILIT integrates seamlessly with other provisions, for example, funding pour-over trusts or addressing successor trustee designations. This coordination reduces the likelihood of costly or time-consuming corrections after the grantor’s death.
Creating and funding an ILIT involves tax considerations, including potential gift tax implications when premium contributions are made to the trust and estate inclusion rules that apply if transfers occur shortly before death. A comprehensive approach takes these matters into account, ensuring transfers are timed and documented properly, and that the trust’s provisions reflect desired tax outcomes. Reviewing the client’s broader financial picture also helps determine whether an ILIT is the most effective tool or whether alternative arrangements better achieve objectives while minimizing tax exposure.
A comprehensive approach provides clarity about how assets are titled, how beneficiary designations interact with trust terms, and how life insurance proceeds will be used in concert with other estate assets. This approach can reduce the risk of unintended estate tax inclusion, provide liquidity for obligations at death, and ensure that distributions occur in a manner consistent with family needs. By reviewing the entire plan and updating documents periodically, clients can adapt to changes in family structure, asset values, and tax law developments while maintaining a cohesive plan for passing assets to heirs and charitable interests.
Comprehensive planning also supports contingency planning and succession goals, such as providing for minor children, addressing special needs without disrupting public benefits, and handling business succession issues that might rely on life insurance proceeds. When life insurance is integrated into a full estate plan, it can serve as a tool for liquidity, equalization among heirs, or funding specific obligations. A holistic view allows clients to align their life insurance strategy with retirement planning, trust distributions, and charitable intentions in a unified manner that reflects long term priorities.
One significant benefit of a comprehensive plan is the potential for reducing estate tax exposure through careful titling and timing of transfers, including the use of an ILIT where appropriate. By structuring ownership and beneficiary designations properly, the plan can preserve more value for beneficiaries and reduce the burden of taxes and settlement costs. A coordinated plan considers federal and state rules and aims to minimize surprises at death, ensuring that insurance proceeds and other assets accomplish intended outcomes for heirs and other beneficiaries over the long term.
Comprehensive planning allows for detailed instructions about how proceeds should be distributed, protecting beneficiaries from immediate lapses in judgment, creditor claims, or other risks. Through the ILIT and related trust provisions, you can specify timing, conditions, and uses of funds such as education, health care, or supplemental support. This level of control helps align distributions with long-term family goals and financial stability while providing a mechanism for trustees to manage funds responsibly on behalf of the beneficiaries.
Before creating an ILIT, confirm that the person or corporate trustee you intend to appoint understands the responsibilities involved, including maintaining records, handling premium receipts, and communicating with beneficiaries. Good recordkeeping supports tax reporting, documents gift transactions, and demonstrates compliance with the trust’s terms. Discussing trustee duties with the selected person or entity and preparing a clear plan for how premiums will be delivered and recorded helps prevent administrative issues. Clarity up front reduces confusion at critical moments and helps the arrangement operate smoothly over time.
Make sure the ILIT is coordinated with your revocable living trust, pour-over will, and beneficiary designations to avoid conflicts. Review all estate planning documents together periodically, especially after major life events, to confirm that the ILIT still reflects your wishes and aligns with how other assets are titled. This coordination helps prevent surprises for family members and ensures that the ILIT complements your overall plan for asset distribution, incapacity planning, and successor roles.
Consider an ILIT if you want life insurance proceeds managed and distributed according to specific instructions, such as to provide for minor children, support a surviving spouse while protecting assets for other beneficiaries, or to provide liquidity for estate settlement costs. An ILIT can also be appropriate for business owners who rely on life insurance proceeds for buy-sell funding or to protect the value of a closely held business. The trust provides a framework for directing proceeds and can be tailored to meet varied family and financial objectives in a way that straightforward beneficiary designations cannot.
Another reason to consider an ILIT is to address concerns about creditor claims or beneficiary mismanagement of proceeds. By placing the policy into an irrevocable trust with clear distribution terms, you create a layer of protection and oversight that can preserve proceeds for intended uses. Additionally, the ILIT can help with equalizing inheritances among heirs who receive other assets, providing flexibility in achieving fair outcomes. These benefits must be balanced against the irrevocable nature of the trust and administrative requirements, so careful planning and documentation are important.
Typical situations that lead clients to use an ILIT include wanting to reduce estate tax exposure for large estates, providing structured distributions for minors or young adults, preserving family business continuity, or separating life insurance proceeds from the grantor’s estate for creditor protection. Clients may also turn to ILITs when seeking to fund long-term obligations such as college expenses or to make planned charitable gifts at death. Each circumstance requires tailored trust provisions and a clear funding strategy to achieve the desired outcome.
Families with substantial insurance proceeds often use an ILIT to keep those proceeds out of the taxable estate when the trust is funded correctly and transfers are completed outside the three-year lookback period. This helps preserve value for beneficiaries and can reduce the overall tax burden on an estate. Properly documenting transfers, avoiding retained ownership incidents, and coordinating beneficiary designations are part of the process to ensure proceeds are treated as trust property rather than estate property at death.
An ILIT can be structured to provide staged distributions for minor children or for beneficiaries who may need oversight, defining ages or milestones for distribution and instructions on permitted uses. This approach gives the trustee authority to manage funds prudently and disburse for education, health care, or other needs while protecting assets from being spent prematurely. Trust provisions can be tailored to reflect family values and to provide lasting financial support that adapts as beneficiaries grow into greater responsibility.
Business owners often use life insurance for buy-sell agreements or to provide liquidity at death to fund business continuation or buyouts. An ILIT can hold the policy and ensure that proceeds are available and managed according to the terms needed for business succession. This structure keeps insurance proceeds separate from personal assets and can provide a reliable funding mechanism for an agreed transition plan. Clear coordination with business agreements and trust terms is essential to ensure that proceeds are available when needed.
Our firm provides personalized assistance to Hanford residents who are planning with life insurance and trusts. We explain the legal and practical implications of creating an ILIT, help draft clear trust provisions, and coordinate the funding and administration steps necessary to implement the plan. Whether you are transferring an existing policy or purchasing a new one through a trust arrangement, we guide you through documentation, trustee selection, and integration with your broader estate strategy so you can feel confident that your intentions will be carried out.
Our office offers focused estate planning representation that emphasizes careful drafting, thorough review of policy ownership, and alignment with long term goals. We assist clients in evaluating whether an ILIT is an appropriate vehicle for their circumstances and provide practical guidance about funding, trustee duties, and coordination with other estate documents. We aim to make the process understandable by explaining technical matters in plain language and by preparing clear, actionable documents designed to work together as a unified plan that reflects the client’s wishes.
Clients receive support at every step, including reviewing existing policies for transferability, preparing trust agreements, documenting premium gift transactions, and advising on trustee responsibilities. We also collaborate with financial and tax advisors when appropriate to address the interplay between life insurance planning and broader financial considerations. Our goal is to create a trust arrangement that provides practical benefits for beneficiaries while being administrable and responsive to foreseeable needs, with careful attention to detail in drafting and funding.
We also assist with post-implementation matters such as updating beneficiary designations, documenting transfers, and helping trustees understand their duties after a death occurs. Because family circumstances evolve, we encourage periodic review of the ILIT and related estate planning documents to ensure they continue to reflect current wishes and changing law. Clear communication and ongoing availability for questions help clients maintain confidence that their plan will operate as intended when it matters most.
Our process begins with a consultation to review your financial picture, family goals, and existing estate documents. From there, we recommend the most appropriate strategy—whether transferring an existing policy into a newly created ILIT or designing the trust to acquire a new policy. We prepare the trust instrument, assist with policy assignment or application, and document premium funding. After the trust is in place, we work with trustees and beneficiaries to ensure records are maintained and that the trust operates according to your wishes over time. Periodic reviews are encouraged to address changes.
During the initial phase, we gather information about your life insurance policies, assets, family dynamics, and planning goals. This conversation helps determine whether an ILIT aligns with your needs, identify potential tax or creditor concerns, and shape the trust’s distribution terms. We explain the legal trade-offs and the steps needed to fund and administer the trust, including trustee duties and documentation for premium gifts. The result is a clear plan recommendation tailored to your objectives and the documents required to implement it.
We collect details about your insurance policies, including ownership, beneficiary designations, cash values, and premium schedules, and review any business agreements that may rely on insurance proceeds. This information enables us to map out funding strategies and to anticipate potential tax implications. Careful review of existing policy terms and family circumstances ensures the proposed trust structure is feasible and consistent with your goals. Accurate documentation at this stage helps prevent future administrative complications and supports a smooth implementation.
We help you consider who should serve as trustee, the powers trustees should have, and the distribution standards for beneficiaries. Discussion includes whether to appoint a family member, a trusted advisor, or a corporate trustee and how backup trustees will step in if needed. Deciding on distribution timing, permitted uses, and protective provisions for beneficiaries helps create a trust that is workable and aligned with your intentions. Clear instructions in the trust reduce ambiguity and aid trustees in fulfilling their duties effectively.
After the plan is finalized, we draft the ILIT agreement and related documents, assist with executing assignments if transferring policies, and coordinate the steps necessary to have the trust own the policy. Funding can involve formal assignment of an existing contract or having the trust apply for and purchase a new policy. We prepare documentation of premium gifts and advise on recordkeeping to support the intended tax treatment. Ensuring legal formalities are completed correctly is essential to achieve the trust’s objectives.
We prepare a trust agreement tailored to the agreed-upon terms, assignment forms if an existing policy is transferred, and any ancillary documents such as letters of intent for trustees. We coordinate execution of these documents to meet legal requirements and assist in completing forms required by insurance carriers. Proper execution and timely handling of paperwork help avoid defects that could undermine the trust’s intended protections or tax treatment, so attention to detail during this stage is critical.
Funding the ILIT requires a plan for how premiums will be paid. If the grantor makes gifts to the trust to cover premiums, we help document those gifts and advise on whether annual exclusion gifts or other strategies apply. If the trust purchases a new policy, we ensure the trust has capacity to pay premiums and that applications and ownership are completed in trust form. Clear documentation and recordkeeping are essential to support the trust’s intended tax and legal treatment over time.
When the insured passes away, the trustee collects policy proceeds and administers distributions in accordance with the trust terms. We assist trustees with the claims process, understanding their fiduciary duties, and undertaking any required tax filings or communications with beneficiaries. Ongoing trust review is also important for living grantors and trustees to ensure the ILIT continues to function as intended. We remain available to advise trustees and beneficiaries and to update planning documents if life events or changes in law warrant adjustments.
After the death of the insured, the trustee files a claim with the insurance company, collects proceeds, and administers those funds as the trust directs. Duties may include paying debts, providing for beneficiaries under specified conditions, and investing trust assets prudently. Trustees also must maintain transparent records and provide information to beneficiaries as required by the trust and applicable law. Proper trustee administration ensures that proceeds are used as intended and in a manner that meets legal obligations under the trust instrument.
Even after an ILIT is established, periodic review is important to ensure the arrangement remains consistent with family changes, changes in financial circumstances, and developments in law. We encourage regular check-ins to verify funding, beneficiary designations, and trustee arrangements. If the grantor’s objectives change, other estate planning components such as the revocable trust, wills, or powers of attorney may need updates. Ongoing maintenance helps preserve the intended benefits of the ILIT and keeps the overall estate plan aligned with current needs.
An ILIT is an irrevocable trust created to own and receive proceeds from a life insurance policy, whereas leaving a policy to beneficiaries directly means the policy remains owned by the insured until death. With an ILIT, the trust becomes the owner and beneficiary, which can keep the proceeds outside the insured’s taxable estate when properly structured and funded. The trust agreement also allows more detailed control over when and how proceeds are distributed to beneficiaries, enabling staged distributions, creditor protection, or other tailored instructions. Direct beneficiary designations may provide quicker access to funds and less administration, but they offer limited ability to control post-death distributions or to protect proceeds from creditors. An ILIT adds administrative responsibilities and irrevocability but can serve planning goals that direct designations cannot. Choosing between these approaches depends on your family situation, estate tax considerations, and desired control over distributions.
Transferring a policy to an ILIT may be treated as a gift, and gift tax implications depend on the value of the transferred interest and the method of funding. When the trust receives premium gifts to pay policy costs, those gifts may be subject to gift tax rules unless they qualify for annual exclusions or are otherwise structured to avoid gift taxation. Documenting gifts properly and using annual exclusion gifting where applicable can help manage potential gift tax consequences. When considering a transfer, it is important to plan timing and documentation to avoid unintended tax results. Our approach includes helping clients document premium gifts and review whether filing a gift tax return is recommended in the particular situation. Coordination with financial advisors can also help align gifting strategies with broader tax planning objectives.
The three-year rule provides that if the insured transfers ownership of a life insurance policy or retains certain incidents of ownership within three years of death, the policy proceeds may be included in the insured’s taxable estate. This lookback period can pull proceeds back into the estate despite the trust ownership if the timing or retained rights trigger inclusion. To avoid this outcome, planning generally involves completing transfers more than three years before the insured’s death or structuring ownership so that no incidents of ownership are retained. Because the three-year rule can have significant consequences for estate taxation, careful planning and prompt documentation are important. We discuss timing strategies and alternative arrangements that may reduce the risk of estate inclusion, and we assist in crafting a plan that considers the client’s health, age, and broader estate goals.
A trustee can be an individual you trust, a family member, or a corporate trustee, and the right choice depends on the complexity of the trust, whether professional administration is desired, and the trustee’s capacity for recordkeeping and fiduciary duties. Trustee responsibilities include managing premium payments, filing claims, investing any trust assets prudently, providing information to beneficiaries, and following the distribution terms set out in the trust agreement. Trustees must avoid conflicts of interest and act in beneficiaries’ best interests under the trust terms and applicable law. Selecting a trustee also involves planning for successor trustees and backup arrangements. We help clients weigh the trade-offs between a personal trustee and a corporate trustee, including cost considerations, administrative capabilities, and the level of oversight that beneficiaries may require. Clear trust language about trustee powers and duties makes administration more straightforward when the time comes.
An ILIT can be designed to provide support for a beneficiary with special needs while attempting to preserve eligibility for public benefits, but careful drafting is necessary. Placing funds directly in a beneficiary’s name can jeopardize means-tested benefits, so the trust should include provisions that allow the trustee to make discretionary distributions for supplemental needs without making the beneficiary the direct recipient of funds. Such a trust must be tailored to the beneficiary’s circumstances and the benefit programs involved. Because rules governing public benefits are complex and vary by program, coordination with professionals who understand benefit programs is important. We work to draft trust language that seeks to provide for supplemental support while avoiding disqualifying transfers, and we advise clients on how an ILIT interacts with other planning tools for vulnerable beneficiaries.
An ILIT typically exists alongside a revocable living trust and a pour-over will as part of a complete estate plan. A revocable trust handles day-to-day assets and may receive assets at death via a pour-over will, while the ILIT specifically holds life insurance policies and proceeds. Coordination ensures that beneficiary designations and ownership titles do not conflict and that the overall plan accomplishes the grantor’s intentions without unintended overlap or gaps between instruments. During planning, we review all estate documents to confirm that the ILIT fits within the broader plan. This includes verifying that pour-over provisions, powers of attorney, and healthcare directives are consistent with the ILIT’s terms and that trustees and successor fiduciaries are named appropriately across documents to facilitate efficient administration.
If premiums are not funded and the policy lapses, the intended death benefit will not be available to beneficiaries, and any planning goals tied to the policy will fail. To prevent this outcome, it is important to have a reliable funding mechanism in place, whether through documented gifts to the trust for premium payments, sufficient trust liquidity, or an alternative funding source. Regular review of premium schedules and trust funding arrangements reduces the risk of unintentional lapses. If a lapse occurs, options may be limited depending on policy terms and timing. Sometimes policies can be reinstated, but reinstatement often depends on underwriting and may require payment of back premiums. Addressing funding contingencies in the plan and keeping clear records helps protect against unintended loss of coverage.
An ILIT can own a policy that has a cash value or a loan against it, but these features require careful planning and documentation. Policies with cash value introduce additional considerations regarding how policy loans are handled, whether loans are repaid, and how distributions affect the trust’s administration. The trustee must be aware of these elements and manage them in a way consistent with trust terms and beneficiaries’ interests. Before transferring a policy with cash value or loans, it is important to review the insurer’s rules and the tax implications of the transfer. We assist clients in assessing whether transferring such a policy into a trust is appropriate and in structuring trust provisions to address loan repayment, valuation, and the trustee’s authority to manage policy cash values.
The time to establish and fund an ILIT varies depending on whether you are transferring an existing policy or having the trust purchase a new one. Drafting the trust and executing documents can be completed in a matter of weeks if all information is available and parties are prepared to sign. Transferring an existing policy involves coordinating with the insurer to complete assignment forms and update ownership records, which adds administrative steps but can often be accomplished within a few weeks to months. If a new policy is purchased by the trust, additional time may be required for underwriting and approval by the insurance company. Because timing can affect tax treatment, particularly with lookback rules, we aim to move efficiently while ensuring proper documentation and funding arrangements are in place to meet planning objectives.
After creating an ILIT, it is important to retain copies of the trust agreement, assignment forms if a policy was transferred, records of premium gifts, insurance policy documents, and any correspondence with the insurer. Trustees should maintain clear records of premium payments, trust bank accounts, investment decisions, and distributions to beneficiaries. Proper documentation supports the trust’s administration, tax reporting, and the trustee’s ability to demonstrate compliance with the trust terms. Keeping organized records also simplifies periodic reviews and helps when a claim is filed after the insured’s death. We provide guidance on what documents to keep and how to store them securely so that the trustee and beneficiaries have the information they need when it matters most.
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