An Irrevocable Life Insurance Trust (ILIT) can be an important component of a thoughtful estate plan for residents of Duarte and the surrounding Los Angeles County communities. At the Law Offices of Robert P. Bergman our approach helps clients understand how an ILIT can remove life insurance proceeds from an estate, potentially reduce estate tax exposure, and provide clear, controlled distribution of proceeds to beneficiaries. This opening overview explains the basic purpose of an ILIT and why many families consider it when planning for the transfer of wealth, protection of beneficiaries, and management of future financial needs.
Deciding whether an ILIT is appropriate often depends on personal goals, family circumstances, and financial considerations. Our firm assists clients in Duarte by reviewing existing policies, drafting trust documents, and coordinating with financial advisors and insurance carriers to accomplish the intended objectives. This paragraph outlines how a properly drafted ILIT serves as a legal vehicle to hold a life insurance policy, establish the terms for distribution, and provide trustees with instructions for administering proceeds. Clients benefit from a practical process that focuses on clarity, avoidable complications, and planning for future generations.
An ILIT offers several potential benefits depending on your overall estate plan, financial picture, and family needs. By placing a life insurance policy into an irrevocable trust, proceeds paid at death can be kept outside of a taxable estate, which may preserve more value for beneficiaries. The trust also creates specific distribution rules, safeguarding assets from accidental spend down, creditor claims, or uneven distributions among heirs. For families with blended dynamics or special planning goals, an ILIT helps ensure proceeds are used as intended and provides clear administration instructions for trustees and heirs.
The Law Offices of Robert P. Bergman provide estate planning services to clients across California, including Duarte and the greater Los Angeles County area. Our team assists clients with drafting trust documents, coordinating transfers of existing insurance policies, and advising on the interaction between trusts, wills, and beneficiary designations. We focus on clear communication, thorough document preparation, and coordinating with client advisors to implement the plan efficiently. Our goal is to deliver planning that aligns with a client’s objectives, protects family interests, and eases the administration process for trustees and loved ones.
An ILIT is a trust created to own a life insurance policy, where the trust is the policy owner and beneficiary. Once a policy is transferred or purchased within the trust, the policyowner rights shift to the trust and grantor access to those rights is limited. The removal of the policy from an individual’s estate can help mitigate estate tax exposure and clarify how proceeds will be distributed. Understanding the timing, funding, trustee responsibilities, and the interplay with other estate documents is essential to determine whether an ILIT fits within a broader plan.
There are important administrative and technical requirements when implementing an ILIT. Transfers of existing policies must be carefully handled to avoid unintended inclusion in the grantor’s estate, and premiums may need to be funded either by gifts to the trust or by transferring policy ownership at a time that complies with lookback rules. Trustees have duties to hold and manage the policy, accept premium payments, and distribute proceeds according to the trust terms. Working through these details helps ensure the trust achieves its intended legal and financial objectives.
An irrevocable life insurance trust is a legal vehicle that holds life insurance on a grantor’s life for the benefit of named beneficiaries. The trust owns the policy, and the trustee administers the policy under the directions set out in the trust document. Because the trust is irrevocable, the grantor generally relinquishes ownership and certain transfer powers, which can remove the policy proceeds from the grantor’s taxable estate if implemented correctly. The trust also allows the grantor to specify timing and conditions for distributions, providing greater control over how proceeds are used by beneficiaries.
Establishing an ILIT involves several important elements, including drafting the trust agreement, appointing a trustee, funding the trust with a life insurance policy or arranging for new coverage, and setting beneficiary designations to align with the trust. Administrative steps also include gift planning to provide premium funds, notifying insurance carriers of the change in ownership, and maintaining trust records. Trustees must exercise consistent administration, make timely premium payments, and follow the distribution instructions. Attention to these elements during setup and thereafter is critical to maintain the trust’s intended benefits.
This section defines common terms you will encounter when planning an ILIT, including grantor, trustee, beneficiary, policy ownership, premium funding, and estate inclusion rules. Understanding these terms helps you follow the process and communicate effectively with your advisors. The definitions focus on the legal roles and practical effects of actions such as transferring policy ownership, the three-year lookback rule, and the trustee’s duty to administer distributions. Clear definitions reduce confusion and help ensure that signatures, transfers, and funding are executed to achieve the expected results.
The grantor is the person who creates the trust and typically transfers assets or arranges for insurance to be owned by the trust. In ILIT matters, the grantor often establishes the trust because they wish to remove life insurance proceeds from their estate and control how those proceeds are distributed after death. The grantor must understand that creating an irrevocable trust usually limits their future control over the policy and trust assets, and coordination with other estate planning documents may be necessary to reflect these changes and maintain overall plan coherence.
The trustee is the individual or institution appointed to administer the trust according to its terms and in the best interests of the beneficiaries. For an ILIT, the trustee is responsible for holding the life insurance policy, ensuring premiums are paid, managing distributions, and keeping accurate records. Trustees must follow fiduciary duties and the instructions in the trust document, making practical decisions about timing and method of distributions, tax reporting, and communications with beneficiaries and insurance companies to ensure the trust operates as intended by the grantor.
A beneficiary is a person or entity named in the trust to receive some or all of the trust assets, including life insurance proceeds held by the ILIT. Beneficiaries may be named outright or in classes such as children, grandchildren, or charitable organizations, and the trust document can set conditions or schedules for distributions. Proper naming and backup designations are important to avoid ambiguity and to ensure that proceeds are distributed according to the grantor’s intentions, while also taking into account tax and creditor considerations.
The three-year rule applies when a grantor transfers an existing life insurance policy to an irrevocable trust, and it can cause the policy proceeds to remain part of the grantor’s estate if the grantor dies within three years of the transfer. Understanding this timing rule is important when deciding whether to transfer an existing policy or to arrange for the trust to buy a new policy. Proper planning, funding, and timing can help avoid unintended estate inclusion and ensure that the trust accomplishes its expected tax and distribution goals.
When evaluating an ILIT against other estate planning tools, consider how life insurance ownership, beneficiary designations, and trust terms interact with wills, revocable trusts, and beneficiary contracts. An ILIT specifically addresses ownership and control of life insurance proceeds, which can be distinct from naming beneficiaries directly on a policy or handling assets through a revocable trust. The comparison looks at control, tax consequences, creditor protection, and administrative ease. Understanding relative tradeoffs helps families decide whether an ILIT complements or replaces other planning techniques.
A limited approach, such as keeping beneficiary designations on a life insurance policy rather than placing the policy into an irrevocable trust, may be sufficient when the financial stakes are modest and beneficiaries are straightforward. For families with uncomplicated distribution goals and no significant estate tax exposure, less formal structures can reduce paperwork and administrative costs. This approach may also be preferable when flexibility and ease of beneficiary changes are priorities, since direct beneficiary designations can be altered without the legal permanence of an irrevocable trust.
Keeping a policy under direct ownership with beneficiary designations allows the insured and policy owner to maintain flexibility to change beneficiaries, assign the policy, or modify coverage without trust administration. Where families value the ability to adapt planning to changing circumstances and prefer a lower administration burden, this flexibility can outweigh the potential benefits of removal from the estate. However, the tradeoff is reduced control over how proceeds are used after death, and potential estate inclusion if the policy remains owned by the insured.
A comprehensive approach is often needed when family dynamics are complex, when estate values approach taxable thresholds, or when there are concerns about creditor protection and controlled distributions. Implementing an ILIT as part of a broader estate plan ensures that the trust terms, wills, and beneficiary designations work together to accomplish intended wealth transfer goals. Thorough coordination with financial and tax advisors helps tailor the trust to minimize unintended tax consequences, reduce disputes, and formalize a durable plan for future generations.
When the grantor’s primary goal is to preserve life insurance proceeds for specific long-term uses such as education, care of vulnerable beneficiaries, or structured inheritance, a comprehensive ILIT allows detailed provisions that survive the grantor’s death. The trust can set schedules for distributions, conditions for release, and protections against creditors or mismanagement. This approach provides clear instructions to trustees and reduces the potential for disputes, helping ensure that proceeds are applied to intended needs over time rather than being quickly dissipated.
A comprehensive ILIT can provide important benefits including potential estate tax reduction, specified control over distribution timing, and protection against unintended use of proceeds. By clearly documenting how proceeds should be handled, families can provide for minors, individuals with special needs, or generations while limiting the risk of proceeds being used contrary to the grantor’s intent. Additionally, careful drafting addresses trustee powers, successor trustee selection, and successor beneficiary provisions, so administration is straightforward and consistent with the grantor’s goals.
Beyond tax and distribution control, a comprehensive plan anticipates practical administration questions and establishes communication and reporting expectations for trustees. This forward planning reduces confusion and potential disputes during an emotionally difficult time. Working through funding strategies, premium payment mechanisms, and coordination with other estate documents ensures the ILIT functions as intended. Families benefit from predictable administration, documented policies for distributions, and trust provisions that reflect present and future needs in a clear and enforceable way.
One of the primary advantages of a properly structured ILIT is its potential to reduce estate inclusion of life insurance proceeds, which can preserve more assets for heirs by potentially reducing estate tax exposure. This benefit depends on timing and compliance with rules such as the three-year lookback, along with careful coordination of ownership transfer and premium funding. When implemented thoughtfully, the trust preserves insurance value outside the grantor’s estate and helps maintain liquidity for paying expenses or facilitating planned distributions to beneficiaries.
An ILIT allows the grantor to set terms for how and when beneficiaries receive proceeds, providing protection for younger heirs, individuals with special needs, or beneficiaries who may face creditor claims. The trust terms can include staged distributions, spendthrift provisions, or other mechanisms to ensure proceeds support long-term objectives. Trustees are given clear authority to carry out those provisions, helping families prevent premature depletion of assets and ensuring proceeds are used for intended purposes like education, care, or sustained financial support.
Begin ILIT planning by gathering all life insurance policy documents, beneficiary designations, and information about premium payment responsibilities. Identifying which policies already exist, whether they are term or permanent, and who currently owns them will shape the next steps. If a policy needs to be transferred to a trust, understanding carrier procedures and any potential consequences for policy loans or riders is important. A clear inventory prevents surprises, allows for appropriate timing of transfers, and helps establish reliable premium funding sources so the trust remains in good standing.
Selecting trustees and successor trustees is a key decision because these persons or institutions will administer the trust and ensure distributions are carried out according to your wishes. Choose individuals who are trustworthy, organized, and able to work with beneficiaries and advisors, or consider a financial institution if continuity and administrative resources are priorities. Naming successors and providing clear instructions on trustee powers and reporting obligations helps keep administration orderly and reduces the chance of conflict among beneficiaries after the grantor’s death.
Families may consider an ILIT when they want life insurance proceeds to be managed and distributed in accordance with specific rules, such as providing for minor children, ensuring support for family members with special needs, or preserving assets for future generations. An ILIT may also be attractive for estate tax planning when the gross estate is significant, or when there are concerns about liquidity to pay expenses. Each situation is unique, and thorough review of assets, family dynamics, and long-term goals will inform whether an ILIT is an appropriate tool.
Other reasons to consider an ILIT include protecting proceeds from creditors, preserving confidentiality about distributions, and ensuring that life insurance proceeds are not inadvertently directed to an unintended recipient due to outdated beneficiary designations. By creating clear terms for distributions and trustee duties, a grantor can reduce administrative uncertainty and provide a smoother path for beneficiaries to receive support in the way intended. Coordination with other estate planning documents is essential to ensure consistent results across the plan.
Typical circumstances that lead to ILIT planning include blended families where distribution fairness is a concern, estates approaching tax thresholds, beneficiaries who may require oversight, and business owners seeking liquidity for succession planning. Many clients also use ILITs to provide for dependents with long-term care needs or to ensure charitable intentions are carried out. Each circumstance requires tailored documentation to reflect the grantor’s priorities and to coordinate with retirement accounts, wills, and any revocable trusts in place.
An ILIT can be structured to provide staged distributions or payments for education, living expenses, and other needs of young or dependent beneficiaries. This planning helps prevent a sudden lump-sum distribution that could be mismanaged and provides trustees with authority to manage funds prudently. The trust terms can outline specific milestones for distributions or require trustee discretion to balance present needs and long-term preservation. Thoughtful provisions reduce the likelihood of disputes and promote long-term financial stability for the intended recipients.
When estate values approach thresholds where tax consequences may be relevant, an ILIT offers a mechanism to remove insurance proceeds from the taxable estate, subject to timing rules and proper ownership transfer. Additionally, life insurance held in a trust can provide liquidity to pay estate expenses, taxes, or support beneficiaries without forcing the sale of illiquid assets. Properly structured ILITs are part of a multi-faceted approach to managing liquidity and tax considerations and must be coordinated with other estate planning elements to achieve desired outcomes.
An ILIT can offer a level of protection for life insurance proceeds from creditor claims or divorce settlements of beneficiaries, depending on trust terms and applicable law. By holding proceeds in trust and imposing spendthrift provisions, a grantor can reduce the risk that distributions are directly accessible to creditors or subject to division in family law proceedings. This protective function is often valuable for beneficiaries in high-risk professions, those with outstanding debts, or in families where protecting legacy assets is a priority.
We serve clients in Duarte and throughout Los Angeles County with practical estate planning services tailored to local needs. If you are considering an ILIT, our office helps with document drafting, policy transfers, and coordination with financial and insurance professionals. We explain the steps to fund and administer the trust, review timing considerations, and address the concerns commonly raised by families about taxes, creditor issues, and beneficiary protections. Our goal is to provide clear guidance and reliable implementation for your estate planning objectives.
Clients working with our firm appreciate a process that combines attentive client service, careful document drafting, and practical coordination with other advisors. We focus on understanding the family’s goals, reviewing existing policies and financial arrangements, and proposing a plan that aligns with those goals. Our approach emphasizes clear instructions for trustees, appropriate funding mechanisms for premiums, and documentation that supports the desired administration of proceeds to beneficiaries. We work to reduce ambiguity and make the implementation straightforward.
When establishing an ILIT, communication and thoroughness are especially important. Our office outlines the legal and administrative steps, helps draft clear trust provisions, and coordinates with insurance carriers to complete ownership transfers or policy purchases. We also assist with gift planning to fund premiums and maintain compliance with relevant timing rules. This careful coordination aims to deliver a planning experience that anticipates practical issues and addresses client priorities throughout the life of the trust.
Beyond initial setup, we provide guidance on trustee selection, trust administration questions, and potential modifications in coordination with other estate documents. We aim to create documents that are durable and understandable to trustees and beneficiaries, reducing the potential for disputes and helping ensure smooth administration at a difficult time. Clients benefit from a clear roadmap and responsive legal support as they finalize and maintain their estate planning arrangements.
Our ILIT process typically begins with an intake meeting to review current policies, beneficiary designations, and estate goals. We then recommend a tailored trust structure, draft the trust document, and coordinate with insurance carriers and financial advisors to transfer or issue policies. After funding arrangements for premiums are put in place, we finalize trustee appointments and deliver signed documents with clear instructions for administration. Throughout this process we document actions and communications to provide a clear record for trustees and beneficiaries.
During the initial consultation we review your existing estate planning documents, life insurance policies, and financial objectives to determine whether an ILIT meets your needs. This includes examining policy ownership, beneficiary designations, premium payment arrangements, and any potential complications such as outstanding policy loans. We discuss the three-year transfer rule, gift considerations, and desired distribution terms. Clear upfront analysis reduces the likelihood of surprises and helps create an implementation plan that aligns with your overall estate strategy.
We examine each life insurance policy to determine current ownership, beneficiary designations, riders, and premium schedules. If a policy is to be transferred into a trust, we identify carrier procedures and any impacts on coverage or loans. This review helps determine whether transferring an existing policy or purchasing a new policy under the trust is the better path. The goal is to preserve coverage while achieving the intended estate planning benefits without creating unintended tax or coverage consequences.
We analyze potential funding methods for premiums, including annual gifts to the trust using the gift tax exclusion, or other funding mechanisms that align with your financial situation. Proper documentation of gifts and trustee acceptance is essential for premium payments to be valid under the trust structure. We also discuss whether ongoing funding is sustainable based on cash flow and whether alternative strategies such as using existing assets, retirement distributions, or other plans should be considered to support premium payments over time.
Once the plan is selected, we prepare a trust agreement tailored to your objectives, specifying trustee powers, distribution terms, successor arrangements, and administrative provisions. We coordinate signing, notary, and any necessary witness requirements. The trust also includes details on how the trustee will accept policy ownership and handle premium payments. Clear, thorough drafting helps reduce ambiguity and ensures that the trust can function smoothly after execution, providing trustees with precise guidance on administration.
The trust document spells out the grantor’s intentions for the policy, naming trustees and beneficiaries, and specifying distribution criteria. We review the document with you to confirm that it reflects your current circumstances and future wishes, and make adjustments as needed. Emphasis is placed on clarity, practical administration, and terms that work within California law. We also prepare ancillary documents such as trustee acceptance forms and notices that may be required by insurance carriers to effect ownership changes.
We contact insurance carriers to implement ownership transfers or to facilitate issuance of a new policy owned by the trust. This includes completing required forms and confirming the carrier’s acceptance of the trust as owner and beneficiary. We also implement funding instructions for premium payments and document the process so the trustee can accept gifts and handle payments properly. Coordination ensures the policy remains in force and that administrative steps meet both carrier requirements and trust objectives.
After the trust is funded and the policy is owned by the trust, ongoing administration includes timely premium payment, recordkeeping, and communication with beneficiaries as appropriate. We provide guidance on trustee duties, assistance with successor trustee transitions, and support for any required trust amendments or related estate planning updates. Ongoing review ensures the ILIT continues to meet goals as circumstances and laws change, and we remain available to advise trustees on proper administration and distribution practices.
We assist trustees in understanding their responsibilities for maintaining trust records, filing necessary tax forms, and making timely decisions about premium payments and distributions. Trustees benefit from written instructions, template communications, and a documented process for accepting gifts and paying premiums. Good records help prevent disputes and make it easier to manage eventual distributions, while also supporting any required reporting to governmental authorities. We are available to advise trustees when questions arise during administration.
An ILIT should be reviewed periodically to confirm that the trust remains aligned with overall estate planning goals and current circumstances. Changes in family composition, financial situation, or relevant law may prompt adjustments in related estate planning documents, funding strategies, or trustee selections. While the trust itself is irrevocable, coordination with revocable components of the estate plan and other documents helps maintain consistency and effectiveness. We provide periodic reviews and recommendations to keep the overall plan up to date.
An irrevocable life insurance trust is a legal arrangement in which the trust owns the life insurance policy and the proceeds are paid to the trust upon the insured’s death. Unlike directly naming beneficiaries on the policy, placing the policy in an ILIT enables more control over how proceeds are distributed, allows for spendthrift protections, and can remove the policy proceeds from the grantor’s taxable estate if properly executed. The trust terms can dictate staged distributions, trustee discretion, or specific conditions for release of funds. Naming beneficiaries directly is often simpler and allows the insured to change beneficiaries easily, but it provides less protection and control after death. Direct naming can result in immediate lump-sum distributions that may be vulnerable to creditors, divorce proceedings, or poor financial decisions by beneficiaries. An ILIT requires more setup and administration, but it creates a legal structure that supports long-term planning objectives and tailored distribution rules for life insurance proceeds.
Funding premiums for an ILIT commonly involves making gifts to the trust that the trustee then uses to pay policy premiums. Annual gifts can be structured to take advantage of gift tax exclusions, and proper documentation is essential so that the trust legally accepts the gifts and uses them for premiums. Donors and trustees should track payments carefully, maintain proof of gifts, and coordinate timing to ensure compliance with tax rules and carrier requirements. There are gift tax considerations depending on the size and frequency of gifts, and consulting with financial or tax advisors helps determine the best approach. In some cases, other assets may be used to support premiums, or the trust may purchase a new policy directly. Clear planning and documentation reduce the risk of unintended tax consequences while ensuring the trust remains funded to support the policy.
Transferring an existing policy to an ILIT can affect certain policy features, and insurance carriers may require specific forms and procedures to accept a trust as owner. Outstanding policy loans, riders, or medical underwriting considerations may influence whether a transfer is advisable. It is important to understand how the carrier treats transfer requests and whether any change would alter coverage terms or trigger financial consequences. In some instances, purchasing a new policy owned by the trust avoids complications with transfers and the three-year rule that can cause estate inclusion when the insured dies shortly after a transfer. Whether transferring or purchasing new coverage, coordination with the carrier and careful review of policy details helps prevent coverage lapses and unexpected loan or premium issues.
The three-year rule provides that if a life insurance policy is transferred to an ILIT and the insured dies within three years of the transfer, the proceeds may be included in the insured’s estate for tax purposes. This rule is intended to prevent last-minute transfers that aim to avoid estate inclusion and can significantly affect the estate tax benefits of an ILIT. Timing is therefore a critical consideration when deciding whether to transfer an existing policy to a trust. To address the three-year rule, clients may purchase a new policy in the name of the trust rather than transferring an existing policy. Other strategies involve planning the timing of transfers well in advance of potential estate events. Discussing timing, alternatives, and the potential tax impact with legal and tax advisors helps ensure that the intended estate planning objectives are achieved without unintended inclusion of proceeds in the estate.
Appointment of a trustee should balance trustworthiness, administrative ability, and the capacity to work with beneficiaries and advisors. Trustees can be a trusted family member, friend, or an institution such as a bank or trust company. The trustee’s responsibilities include accepting ownership of the policy, making premium payments, maintaining records, filing any required tax forms, and distributing proceeds according to the trust’s terms. Clear written instructions help trustees perform their duties effectively and reduce the risk of disputes. Choosing successor trustees and providing guidance about decision-making authority helps ensure continuity if a trustee becomes unavailable. Trustees should be prepared to work with insurance carriers, tax advisors, and beneficiaries. Practical considerations such as geographic location, willingness to serve, and administrative competence will inform the trustee selection process, and attorneys can provide guidance on drafting trustee powers and succession provisions.
An ILIT can provide protections that limit beneficiaries’ direct control over proceeds, which may reduce the risk of those funds being targeted by creditors or being subject to division in divorce proceedings, depending on the jurisdiction and specific circumstances. Spendthrift provisions and trust distribution terms can help insulate assets from immediate claims against beneficiaries by placing control with a trustee rather than the beneficiary directly. However, no arrangement guarantees absolute protection in every case, and outcomes depend on trust drafting, timing, and applicable law. Certain creditors or legal claims may still reach trust assets under specific conditions, and family law courts can have varying views on trust distributions in divorce contexts. Careful drafting and coordination with legal counsel help maximize protective features to the extent permitted by law.
An ILIT is one part of a broader estate plan and should be coordinated with wills, revocable living trusts, beneficiary designations, and powers of attorney. Ensuring that beneficiary designations on retirement accounts or other assets do not conflict with trust terms is important to avoid unintended results. A will or pour-over will may direct remaining assets into a revocable trust but typically does not change the ownership of life insurance policies already placed in an ILIT. Coordination reduces confusion and helps ensure consistent outcomes across documents. Reviewing all instruments together can reveal gaps or conflicts, such as overlapping beneficiary designations or inconsistent instructions, and allows for adjustments to align documents with current objectives and family circumstances.
Purchasing a new policy owned by the ILIT is often preferable when the three-year lookback rule or carrier restrictions make transferring an existing policy problematic. New policies can be issued directly in the trust’s name, avoiding transfer timing issues, and they provide clean ownership records that simplify administration. A new policy also allows the trust to be set up with the precise coverage and riders that match current needs without legacy encumbrances like outstanding loans. However, buying new coverage requires underwriting and may be impractical for some applicants, and premiums for new policies can be higher depending on age and health. We evaluate the tradeoffs between transferring an existing policy and purchasing new coverage, reviewing underwriting prospects, cost differences, and the timing implications to recommend the most appropriate route for the client.
Common mistakes when setting up an ILIT include failing to document gifts used to pay premiums, neglecting to coordinate beneficiary designations with the trust, transferring a policy too close to the grantor’s death without accounting for the three-year rule, and not clearly defining trustee powers and succession. Such oversights can undermine the trust’s intended benefits and create administrative difficulties or unintended tax consequences. Other frequent errors include inadequate funding plans for premiums, choosing trustees without considering administrative ability, and failing to coordinate the ILIT with other estate documents. Addressing these issues during the planning phase by documenting gifts, aligning designations, and establishing sustainable funding reduces the chance of adverse outcomes and helps the trust function as intended.
An ILIT and related estate planning documents should be reviewed periodically, particularly after major life events such as marriage, divorce, births, deaths, changes in financial situation, or changes in tax law. Although the trust itself is irrevocable, associated planning choices and supporting documents may need updates to remain aligned with your objectives. Periodic review helps ensure that trustee selections, funding arrangements, and coordination with beneficiary designations continue to achieve the desired results. Regular reviews also allow for adjustments to funding approaches, confirmation that premiums are being paid, and verification that the trust documentation remains accessible to trustees and beneficiaries. We recommend scheduled check-ins with your legal and financial advisors to confirm that the ILIT and overall estate plan remain current and effective in light of personal and legal changes.
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