An Irrevocable Life Insurance Trust (ILIT) can play a key role in a well-rounded estate plan for residents of Artesia and the surrounding Los Angeles County area. At the Law Offices of Robert P. Bergman, we help clients consider whether creating an ILIT aligns with their goals for transferring life insurance proceeds outside of their taxable estate, protecting benefits for beneficiaries, and coordinating with other planning documents like revocable living trusts and pour-over wills. This page outlines what an ILIT does, how it interacts with other estate planning tools, and practical steps to set one up while complying with California law and personal wishes.
Choosing to place a life insurance policy in an irrevocable trust affects tax planning, asset protection, and beneficiary distributions, so it benefits from clear planning and careful drafting. The Law Offices of Robert P. Bergman offers guidance on integrating an ILIT with documents such as a last will and testament, financial power of attorney, advance health care directive, and HIPAA authorization. We explain typical trustee duties, funding options including transfers and new policy ownership, and the steps needed to maintain the trust’s intended status over time, helping clients make informed decisions tailored to family circumstances and long-term goals.
An Irrevocable Life Insurance Trust can provide important benefits for families who want life insurance proceeds to be managed according to a plan rather than passed through probate. Benefits often include potential estate tax mitigation, protection from probate delays, and tailored distribution instructions for heirs, including provisions for minor children or beneficiaries with special needs. Establishing an ILIT also creates a separate legal owner for the insurance policy, which can safeguard proceeds from creditors under certain circumstances. Understanding these potential advantages helps property owners evaluate whether an ILIT fits alongside other documents such as revocable living trusts, pour-over wills, and trust certifications.
The Law Offices of Robert P. Bergman provides estate planning services for individuals and families across California, including residents of Artesia. Our approach emphasizes clear communication, practical planning, and customized documents that reflect each client’s priorities. We work with clients to coordinate an ILIT with their overall estate plan, considering documents like revocable living trusts, pour-over wills, and financial powers of attorney. We prioritize responsive client service and careful drafting to help ensure that trust terms operate as intended while keeping clients informed about administration responsibilities and ongoing compliance requirements under California law.
An Irrevocable Life Insurance Trust is a legal arrangement that holds life insurance policies for the benefit of named beneficiaries under terms set by the trust document. Because the trust is irrevocable, the grantor typically gives up direct ownership and control of the policy, which can remove the policy proceeds from the grantor’s taxable estate for federal estate tax purposes when properly structured. Establishing an ILIT involves drafting clear trust provisions, naming trustees and beneficiaries, and completing transfers or ownership assignments so the trust is the legal owner. The process often coordinates with other planning tools like pour-over wills and trust certification documents to achieve the client’s overall objectives.
Creating and funding an ILIT requires attention to timing, documentation, and trustee responsibilities to meet the grantor’s intentions and preserve tax benefits. Common steps include preparing a trust document with distribution instructions, transferring an existing policy or arranging for the trust to purchase a new policy, and ensuring premium payments are handled in a way that maintains the intended trust treatment. Trustees will generally handle administrative tasks after the grantor’s death, such as filing the trust certification, submitting claims to the insurer, and distributing proceeds according to the trust terms while coordinating with any probate-related matters that may still arise under California rules.
An Irrevocable Life Insurance Trust is a trust designed specifically to own and manage life insurance policies for the benefit of designated beneficiaries. By transferring ownership to the trust, a grantor can remove the policy’s death benefit from their estate for tax purposes, subject to applicable rules and timing requirements. The trust document establishes the trustee’s authority, beneficiary rights, and distribution timing, which can be tailored to address needs like minor beneficiaries, legacy gifts, or long-term care planning. Drafting the trust involves careful language to ensure that the insurer recognizes the trust as policy owner and that the trust terms align with the client’s overall estate plan.
Establishing an ILIT involves several core elements, including a written trust agreement, designation of trustee and successor trustees, clear beneficiary provisions, and instructions for funding and management. Practical steps include transferring an existing life insurance policy to the trust or arranging for the trust to apply for a new policy, documenting ownership changes with the insurer, and preparing supporting estate planning documents such as a pour-over will or trust certification. Trustees must be prepared to manage premium payments when necessary and to follow the trust’s distribution scheme after the insured’s death, always keeping accurate records and communicating transparently with beneficiaries.
This glossary explains common terms you may encounter when considering an ILIT and related planning documents. Understanding terminology such as grantor, trustee, beneficiary, funding, and pour-over will helps make the planning process more accessible. The definitions below are written to clarify legal concepts in practical terms so you can make informed decisions. If questions remain about how these terms apply to your situation, a consultation with estate planning counsel can help translate these definitions into an action plan tailored to your family, assets, and long-term goals.
An Irrevocable Life Insurance Trust is a trust that owns one or more life insurance policies and provides for their management and distribution outside the grantor’s estate. The trust document specifies who will serve as trustee, who will receive proceeds, and when distributions occur. Because the trust is irrevocable, the grantor does not retain ownership rights to the policy or its proceeds in most circumstances, which can remove those proceeds from the grantor’s estate value for tax calculation purposes when properly structured and timed under applicable law.
Funding an ILIT typically involves transferring ownership of an existing life insurance policy to the trust or having the trust purchase a new policy. For premium payments, grantors often make gifts to the trust that the trustee then uses to pay premiums. Proper documentation of transfers and premiums, including compliance with gift tax rules and any three-year lookback period for estate inclusion, is important to preserve the intended tax treatment and legal standing of the trust under federal and state law.
A trustee of an ILIT administers the trust according to its terms, which commonly includes handling communications with the insurer, paying premiums if directed, keeping records, filing necessary paperwork after the insured’s death, and making distributions to beneficiaries per the trust instructions. Trustees have fiduciary duties to act in the beneficiaries’ best interests, follow the trust instrument, and operate transparently. Naming successor trustees and providing clear guidance in the trust document helps ensure continuity of administration over time.
A pour-over will works in concert with a trust-based estate plan to transfer assets into an existing revocable trust upon death. It acts as a safety net for any assets not already titled in the trust, ensuring that they are directed into the trust’s terms. In an ILIT context, a pour-over will can help integrate estate planning documents so that assets and policy proceeds are administered consistently, reducing the risk that property will be distributed outside the client’s intended plan.
When evaluating whether an ILIT is appropriate, it helps to compare it with other estate planning routes such as keeping a policy personally owned, naming beneficiaries directly, or using a revocable living trust as a central plan. A personally owned policy offers simplicity but may include proceeds in the taxable estate. Naming beneficiaries directly is straightforward but may result in a lump sum distribution without tailored management. An ILIT provides a framework for controlled distributions and potential estate tax planning, while coordination with revocable trusts and pour-over wills ensures assets and policies align with broader legacy goals.
If the life insurance policy value is modest and your beneficiaries are capable of managing a direct inheritance, maintaining personal ownership and naming beneficiaries may be a straightforward solution. This approach avoids the complexity of creating and administering a trust and can be suitable when there is little risk of estate tax liability and no need for managed distributions. Simpler arrangements reduce administrative overhead and may suffice for families who do not require trusts for creditor protection, ongoing oversight, or specialized distribution schedules.
When beneficiaries are adults who can handle financial matters and there are no anticipated estate tax issues, keeping the policy outside of a trust can be efficient. Direct beneficiary designations allow proceeds to pass quickly to the intended recipients without probate in many cases. This path is often chosen when the overall estate is small relative to federal and state tax thresholds or when immediate liquidity for heirs is a priority and the grantor does not require trustee-managed distributions or protections against creditors.
When an estate includes significant assets, retirement accounts, business interests, or multiple properties, creating an ILIT as part of comprehensive planning can help align life insurance strategies with broader tax and estate objectives. A coordinated approach ensures that the ILIT works smoothly with revocable living trusts, retirement plan trusts, and other documents, helping to manage potential tax exposure and ensuring that beneficiary distributions reflect the grantor’s intentions. Clear coordination is especially important for preserving value and preventing unintended outcomes when many asset types are involved.
Families with mixed assets, minor children, or beneficiaries with special needs often benefit from a comprehensive plan that includes an ILIT to manage life insurance proceeds over time. An ILIT can set conditions, phase distributions, or provide for trusted trustees to manage funds on behalf of beneficiaries. Comprehensive planning helps document intentions clearly, reduce disputes, and ensure that distributions support long-term goals such as education funding, care for a dependent, or maintaining a family business while preserving estate value and minimizing administrative confusion after an insured person’s death.
Including an ILIT within a larger estate plan can offer coordinated protection, clear lines of responsibility, and tailored distribution mechanisms that a standalone policy cannot provide. It allows the grantor to name trusted individuals to manage proceeds, set timing and conditions for distributions, and align the insurance strategy with other documents such as a revocable living trust, pour-over will, and retirement plan trusts. This integrated approach helps ensure that insurance proceeds are used as intended and that beneficiaries receive support consistent with long-term family goals and financial needs.
A comprehensive plan that includes an ILIT also helps address potential tax concerns and creditor issues, while providing mechanisms for continuity of care for dependents and protections tailored to specific family circumstances. Trustees and successors can be designated to provide seamless administration, and coordinated documents can reduce uncertainty and disputes among heirs. By documenting a single, cohesive plan, individuals may achieve greater peace of mind that their legacy will be handled according to their wishes and that important financial protections are in place for loved ones.
An ILIT can help remove life insurance proceeds from an individual’s estate when properly implemented, potentially reducing estate tax exposure for larger estates. The trust structure also creates clear rules for how proceeds will be managed and distributed, which can prevent immediate or unintended disbursements that might not align with long-term family objectives. When combined with coordinated planning documents, the tax and administrative benefits of an ILIT support thoughtful wealth transfer and can preserve value for beneficiaries over time, subject to applicable tax laws and timing requirements.
An ILIT gives the grantor tools to control how life insurance funds are used, such as by setting staggered payments, funding education, or providing ongoing support while protecting proceeds from direct creditor claims in certain circumstances. Trustees administer distributions according to the trust’s instructions, which can be tailored to unique family situations, including funding for special needs or provisions for pets through pet trusts. This control helps ensure that proceeds support intended purposes and that vulnerable beneficiaries receive structured financial oversight when needed.
Keep clear records showing the trust as the policy owner and name the trustee as the contact for the insurer. This documentation helps avoid confusion at the time a claim is made and ensures that the insurer processes benefits according to the trust terms. Maintain updated contact information for trustees and beneficiaries, and store copies of the trust document, policy assignments, and any certificates of trust so that trustees can access them quickly when needed.
Regularly review the ILIT and related estate planning documents after major life events, such as births, deaths, marriages, divorces, or significant changes in assets. Updating trustees, beneficiaries, and distribution instructions ensures the trust remains aligned with current family circumstances and goals. Also confirm that the trust coordinates with other documents like a revocable living trust, pour-over will, and financial powers of attorney to avoid conflicting instructions and to maintain a cohesive estate plan.
People consider an ILIT when they want a structured way to manage life insurance proceeds outside of their probate estate and with specific distribution rules. An ILIT can reduce probate involvement for proceeds, enable controlled disbursements for beneficiaries, and coordinate with documents like last wills and trust certifications. It is often chosen by those who want to protect the intended use of insurance benefits, provide for heirs with sustained support, or address tax planning concerns in alignment with federal and state rules. Thoughtful drafting and administration are important to achieve these objectives.
In addition to distribution control and potential tax considerations, an ILIT may help families manage funds for dependents who require ongoing support or who would benefit from trustee-managed distributions. It can be used to fund specific needs like education, business succession, or care arrangements documented in guardianship nominations. When paired with other estate planning documents such as revocable living trusts and pour-over wills, an ILIT contributes to a comprehensive plan that maps out how assets and insurance proceeds will serve family goals both during life and after death.
Typical circumstances that lead individuals to consider an ILIT include having a sizable life insurance policy, owning assets that might be subject to estate taxes, wanting to protect proceeds from probate, or needing structured distributions for minor children or dependents with special needs. An ILIT may also be desirable when coordinating estate plans across multiple states or when the grantor seeks to ensure that proceeds are used for specified purposes, such as education or care. Each situation benefits from careful drafting and coordination with the broader estate plan.
When children are minors or dependents require ongoing financial care, an ILIT can set terms that direct funds to be held and distributed over time according to a plan. This arrangement protects proceeds from immediate spending and helps ensure money is available for long-term needs such as education, housing, or health-related costs. Trustees can be instructed to make discretionary distributions for necessities and to follow a schedule for larger disbursements, providing caregivers and beneficiaries with reliable financial support in accordance with the grantor’s intentions.
Individuals with larger estates sometimes use an ILIT to remove life insurance proceeds from their taxable estate, potentially reducing estate tax exposure when properly structured. The effectiveness of this approach depends on timing, documentation, and compliance with gift and estate tax rules, including any applicable lookback periods. Coordination with other estate planning vehicles, such as revocable living trusts and retirement plan trusts, helps ensure that life insurance planning contributes to an overall strategy for preserving wealth for future generations.
An ILIT can offer an extra layer of planning by keeping life insurance proceeds separate from probate assets and by creating legal ownership that may limit creditor claims in certain situations. While creditor protection varies depending on the nature of the claim and state law, holding a policy in a properly drafted trust can reduce the risk that proceeds will be subject to the grantor’s creditors. The trust’s administration provisions also clarify how proceeds are distributed without needing probate court oversight for the insurance benefit itself.
The Law Offices of Robert P. Bergman serves clients in Artesia and throughout Los Angeles County, offering practical guidance on creating and managing Irrevocable Life Insurance Trusts. We assist in reviewing life insurance ownership, drafting trust documents, coordinating premium funding, and advising on trustee responsibilities. Our goal is to help clients and families establish clear plans that reflect their wishes for beneficiaries, while making sure trust administration will be manageable when life insurance proceeds become payable. Reach out by phone to discuss how an ILIT might fit into your estate planning.
The Law Offices of Robert P. Bergman provides personalized estate planning services tailored to California law and the needs of families in Artesia and beyond. We take time to learn your goals and explain how an ILIT interacts with other documents such as revocable living trusts, pour-over wills, and powers of attorney. Our process is focused on practical solutions, clear drafting, and helping clients understand trustee duties and funding options so they can make decisions that align with long-term family objectives.
When working with clients, we emphasize careful coordination between life insurance planning and broader estate documents. That coordination includes advising on potential tax and timing considerations, documenting transfers of ownership, and preparing supporting instruments like certificates of trust and HIPAA authorizations. We also provide guidance on guardianship nominations and trust modifications so your plan remains current as life circumstances change. Our aim is to help you implement a coherent plan that addresses both immediate needs and future distribution goals.
Clients benefit from a straightforward approach that prioritizes communication and clarity. We explain trustee responsibilities, help select appropriate successor trustees, and prepare the paperwork needed to ensure the trust functions as intended. Contact our office by calling 408-528-2827 to begin a discussion about your ILIT options, policy transfers, and how to align life insurance planning with your estate strategy in Artesia and throughout California.
Our process for creating and implementing an ILIT begins with a focused review of your goals, current life insurance policies, and overall estate plan. We gather information about existing documents such as revocable living trusts, pour-over wills, and powers of attorney to ensure alignment. Next we draft a trust document tailored to your distribution preferences, name trustees and successors, and prepare the necessary ownership transfer forms for your insurer. We also advise on premium funding mechanisms and maintain communication so you understand each step until the trust is executed and funded.
In the initial consultation we review your current policies, beneficiary designations, and existing estate planning documents to understand how an ILIT would integrate with your plan. We discuss your goals for distribution, timing, and trustee selection, and evaluate whether transferring an existing policy or purchasing a new policy through the trust best meets your needs. This review helps identify potential tax or timing issues and lays the groundwork for drafting a clear trust instrument that aligns with your broader estate objectives.
Collecting accurate information about your life insurance policies, policy values, and beneficiary designations is essential to drafting an ILIT that functions as intended. We request policy statements, ownership documents, and related estate planning materials such as trust certifications and pour-over wills. This information allows us to advise on whether transfers will trigger reporting requirements and to plan premium funding arrangements, ensuring that all necessary paperwork is prepared for a smooth transfer or new policy issuance in the trust’s name.
During the initial stage we work with you to identify your distribution priorities, any conditions for disbursement, and appropriate trustee candidates. Naming successor trustees and setting clear guidance in the trust document reduces future administrative uncertainty. We discuss whether trustees should be family members, trusted advisors, or a combination, and address how to balance flexibility with safeguards to ensure that proceeds are managed in a way that honors your intentions for beneficiaries and ongoing family needs.
After objectives and policy details are established, we draft the ILIT document tailored to your instructions and prepare the necessary documents to transfer policy ownership or to have the trust apply for a new policy. This includes preparing any required assignments, beneficiary designations naming the trust, and a certification of trust if requested by the insurer. We also outline practical steps for funding premium payments and document gift transfers to preserve the trust’s intended status under applicable tax rules.
Drafting the trust agreement and preparing assignments requires precision to ensure the insurer recognizes the trust as policy owner and that the transfer achieves the desired tax and administrative outcomes. We include explicit trustee powers, distribution standards, and successor appointment provisions to minimize ambiguity. A well-drafted certificate of trust may be provided to the insurance company to confirm the trust’s existence without disclosing sensitive details, facilitating the transfer process while protecting privacy.
Once the trust documents are finalized we coordinate with the insurer to record the trust as the owner and update beneficiary designations where needed. We advise on funding arrangements so the trust can meet premium obligations without jeopardizing its intended status, including methods for making gifts to the trust for premium payments and documenting such transfers. Confirming acceptance of ownership and ensuring continuous premium payment protects the policy and helps maintain the trust’s purpose.
After the trust is signed and the policy ownership transferred, we perform a final review to confirm that documentation is complete and that funding mechanisms are in place. We provide guidance on trustee record-keeping, periodic plan reviews, and steps to take when the insured passes, including submitting claims to the insurer and administering distributions. Ongoing review of the trust and related estate documents ensures they remain aligned with changes in law, assets, or family circumstances and that trustees are prepared to fulfill their duties when required.
We help trustees understand their responsibilities, including managing communications with the insurer, maintaining records, and following the trust’s distribution instructions. Providing trustees with a clear packet of documents and instructions reduces delays when administering benefits. Trustees should keep copies of the trust, policy assignments, and beneficiary information, along with a list of suggested steps to take after receiving notice of the insured’s death so that distributions occur efficiently and in accordance with the grantor’s intent.
Although an ILIT is irrevocable and cannot be amended by the grantor in many circumstances, other aspects of the estate plan may be updated to reflect life changes. We recommend periodic reviews of the entire estate plan, including related trust instruments, retirement plan trusts, and pour-over wills, to confirm everything remains coordinated and effective. When necessary, trust modification petitions or trust administration steps can sometimes address changed circumstances within legal constraints while preserving the overall planning goals.
An Irrevocable Life Insurance Trust is a trust specifically designed to own life insurance policies and manage the proceeds for the benefit of named beneficiaries. When a policy is placed in an ILIT, the trust becomes the legal owner and the policy’s death benefit is paid to the trust at the insured’s death. The trust then follows instructions in its terms to distribute proceeds, which can include staggered payments, funding for specific needs, or ongoing support for dependents. The grantor typically gives up direct ownership and control of the policy when it is placed into the ILIT. Establishing an ILIT requires careful drafting to name trustees and successors, define distribution instructions, and ensure that transfers are properly documented with the insurer. Depending on timing and how transfers are handled, proceeds may be excluded from the grantor’s taxable estate, and trustees will have administrative duties after the insured’s death. Coordination with other estate planning documents and clear premium funding arrangements are important parts of making the trust function as intended.
Transferring a life insurance policy into an ILIT can help remove the death benefit from the grantor’s taxable estate, but the outcome depends on timing and compliance with tax rules. If the policy is transferred and the grantor survives a statutory lookback period, the proceeds may be excluded from the estate value for federal estate tax purposes, subject to current law and thresholds. The specific tax benefits hinge on careful timing, documentation, and coordination with other planning strategies, so planning early and documenting transfers is important. Estate tax laws and exemptions can change, and the benefits of an ILIT will vary with each person’s financial situation. It is essential to review the trust structure alongside other estate documents and financial accounts to understand the full effect on estate taxation. When necessary, adjustments to the broader plan can help preserve intended tax treatment while ensuring that beneficiaries receive proceeds according to the grantor’s wishes.
Premiums for a policy owned by an ILIT are typically paid from trust assets or gifts made by the grantor to the trust for that purpose. One common approach is for the grantor to make annual gifts to the trust sufficient to cover premiums and to document those transfers so trustees can use the funds to pay the insurer. Proper record-keeping and, when applicable, gift tax filings help maintain transparency and compliance with tax reporting requirements. Another method is for the trust to own a policy with sufficient cash value to cover premiums or to hold other liquid assets designated for premium payments. Coordinating a sustainable funding plan reduces the risk of policy lapse and helps preserve the intended benefits for beneficiaries. Clear instructions in the trust document and a predictable funding arrangement aid trustees in managing premium obligations.
A trustee should be someone trusted to carry out the terms of the ILIT and to manage administrative tasks such as communicating with the insurer, keeping records, and making distributions per the trust’s instructions. Trustees can be family members, trusted friends, or a professional fiduciary, depending on the complexity of the trust and the grantor’s preferences. It is important to name successor trustees to ensure continuity of administration over time. Trustees have a duty to follow the trust instrument and to act in the beneficiaries’ best interests while maintaining accurate records. Providing trustees with a clear packet that includes the trust document, policy assignments, and a checklist of steps to take after the insured’s death makes administration more efficient and helps protect the grantor’s intended legacy for beneficiaries.
An ILIT can be used to provide structured support for a beneficiary with special needs by directing trustees to make distributions that complement public benefits without disqualifying the beneficiary from those programs. Careful drafting is required to ensure distributions are made in a manner that supports the beneficiary’s needs while preserving eligibility for public assistance when appropriate. Trust provisions can offer flexibility for health, education, housing, and other expenses in ways that direct beneficiary designations may not allow. Using an ILIT in this way often involves coordination with other trust vehicles or special needs planning mechanisms to ensure a comprehensive approach. Trustees should be given clear guidance on the intended use of funds and may need to consult with benefits advisors or financial professionals to balance trust distributions with public program rules. Proper planning helps ensure that the beneficiary receives meaningful support over time.
If the grantor dies within a specified lookback period after transferring a policy to an ILIT, federal rules may include the policy proceeds in the grantor’s taxable estate, which can affect the intended estate tax treatment. This period is often discussed during planning to ensure transfers are structured with appropriate timing and to help clients understand any potential implications of transferring ownership close to the time of death. Documenting the transfer properly and understanding the timing rules is an important part of establishing an ILIT. Because timing and tax treatment can be complex, it is helpful to plan transfers well in advance when an ILIT is part of an estate tax mitigation strategy. Reviewing the overall estate plan and coordinating life insurance ownership with other estate planning documents reduces the likelihood that unanticipated tax inclusion will undermine the intended benefits of placing a policy in a trust.
An ILIT can operate alongside a revocable living trust and a pour-over will as part of a comprehensive estate plan. While the ILIT specifically holds life insurance policies, the revocable living trust typically manages other assets during incapacity and at death, and the pour-over will acts as a mechanism to transfer any uncaptured assets into the revocable trust. Coordinating these documents ensures consistency in distribution plans and reduces the chance of conflicting instructions for different asset types. Careful review and alignment between an ILIT and other estate documents allow a unified plan to govern how assets are handled and who is responsible for administration. This coordination is especially important for tax planning, successor appointments, and ensuring beneficiaries receive distributions according to the overall intentions set by the grantor, creating a cohesive framework for post-death administration.
An ILIT may provide some protection for proceeds from the grantor’s creditors because the trust, not the individual, owns the policy and its death benefit. Whether proceeds are protected from creditors of beneficiaries depends on the trust’s terms and applicable state law. A well-drafted trust can include distribution provisions that reduce the likelihood of direct creditor access, but actual protection varies by circumstance and the nature of creditors’ claims. Trust terms that limit direct beneficiary control and that vest distribution discretion in a trustee can help shield assets from certain creditors, though no arrangement guarantees absolute protection in every situation. Discussing creditor considerations and structuring trust provisions accordingly is an important part of planning when protection from creditors is a significant concern.
Creating an ILIT may limit the grantor’s access to the policy’s cash value because ownership transfers to the trust remove the grantor’s direct rights to the policy. If the policy has accumulated cash value, transferring it into a trust may change access and borrowing options previously available to the grantor. Planning for liquidity needs and considering alternative funding arrangements prior to transfer helps address potential access concerns. When access to cash value is important, alternatives such as retaining a portion of coverage outside the trust or arranging separate financial resources can be considered. A careful review of policy terms and coordination with broader financial planning ensures that the grantor’s cash flow needs are addressed while pursuing the benefits associated with trust ownership of life insurance.
It is advisable to review your ILIT and related estate planning documents regularly and after major life events such as marriages, births, deaths, divorces, or significant changes in assets. Regular review helps ensure that trustees, successor appointments, and distribution instructions remain appropriate and that funding arrangements for premiums continue to function effectively. Periodic check-ins can identify potential administrative issues before they become problems and keep your plan aligned with current circumstances. Because laws and personal situations change over time, a periodic review provides an opportunity to confirm that the ILIT continues to meet goals and to coordinate it with revocable trusts, pour-over wills, and other documents. While the ILIT itself is typically irrevocable, related elements of your estate plan may be updated to preserve an integrated and effective legacy strategy.
Criminal Defense
Homicide Defense
Manslaughter
Assault and Battery
Assault with a Deadly Weapon
Battery Causing Great Bodily Injury
Domestic Violence
Domestic Violence Protection Orders
Domestic Violence Restraining Order
Arson Defense
Weapons Charges
Illegal Firearm Possessions
Civil Harassment
Civil Harassment Restraining Orders
School Violence Restraining Orders
Violent Crimes Defense
Estate Planning Practice Areas