An irrevocable life insurance trust (ILIT) can be an essential element of a thoughtful estate plan for individuals and families in Rolling Hills Estates. An ILIT is a legally binding arrangement that holds life insurance policies outside of an individual’s estate, often helping to reduce estate taxes, protect policy proceeds from creditors, and provide liquidity to heirs. Establishing an ILIT requires careful drafting and administration to ensure the trust is valid and achieves intended tax and transfer goals. Our firm prepares ILIT documents tailored to California law and the needs of local homeowners and business owners to help preserve assets for future generations.
Choosing to create an ILIT involves detailed decisions about trustees, beneficiaries, gifting strategies, and the interaction with other estate planning documents such as wills, living trusts, and powers of attorney. In Rolling Hills Estates and throughout Los Angeles County, these decisions should reflect local property values, family dynamics, and retirement planning considerations. Proper administration after the insured’s death also matters, including timely receipt of proceeds and distribution according to trust terms. We provide clear guidance on how an ILIT fits into a broader plan that may include revocable living trusts, special needs provisions, and retirement plan considerations to protect family financial security.
An ILIT plays a unique role by keeping life insurance proceeds out of the taxable estate while providing immediate liquidity to pay estate administration expenses, debts, and taxes. This structure can reduce the risk that heirs will be forced to sell property to meet obligations, and it can shield policy proceeds from creditor claims in many circumstances. For families in Rolling Hills Estates, where property and other assets may carry significant value, an ILIT can be a practical tool to preserve wealth across generations and provide orderly distributions that reflect the grantor’s wishes and family dynamics.
Law Offices of Robert P. Bergman provides personalized estate planning services across California, including Rolling Hills Estates and Los Angeles County. Our approach focuses on clear communication, careful drafting, and practical administration strategies that align with clients’ goals. We evaluate how an ILIT interacts with existing trusts, retirement plan designations, and family circumstances to deliver a cohesive plan. The team guides clients through trustee selection, gift funding, and policy ownership transfers while ensuring compliance with California law and federal tax rules, so each plan stands up to both legal requirements and family expectations.
An ILIT is an irrevocable trust created to own one or more life insurance policies. Once the grantor transfers an existing policy or the trust purchases a new policy, the policy proceeds are payable to the trust upon the insured’s death and distributed according to the trust terms. Because the trust is irrevocable, the grantor typically relinquishes control over the policy and cannot unilaterally reclaim assets, which helps exclude the proceeds from the grantor’s taxable estate. Understanding how gift tax exclusions, three-year lookback rules, and trustee powers work is critical for ensuring the intended tax and asset protection outcomes.
An ILIT’s design covers trustee selection, beneficiary designations, distribution timing, and provisions for administration costs and insurance premium payments. Trustees manage policy premiums and may receive contributions from the grantor to pay premiums or premiums may be funded through other vehicle arrangements. The trust document also addresses contingencies such as incapacity of the grantor, the need for administrative expenses, and fallback distribution plans. Proper coordination with wills, living trusts, and powers of attorney ensures that assets flow smoothly to heirs while reflecting the grantor’s objectives within California’s legal framework.
An ILIT is a trust specifically structured to own life insurance policies and to receive their proceeds outside of the insured’s estate. The grantor creates the trust, names a trustee, and either transfers an existing life insurance policy into the trust or makes the trust the owner and beneficiary of a new policy. Upon the insured’s death, proceeds are paid into the trust and then distributed to beneficiaries according to the trust terms. Because the trust is irrevocable, the grantor typically cannot change beneficiaries or reclaim the policy, which helps remove the proceeds from estate tax calculations and can offer creditor protection in many situations.
Important elements of an ILIT include the trust agreement, trustee appointment, policy ownership transfer, and funding mechanisms for premiums. The grantor must consider how gifts to the trust are structured to take advantage of annual gift tax exclusions, and whether a Crummey notice approach or another mechanism will be used to qualify gifts for exclusion. Administration includes timely payment of premiums, recordkeeping, and handling beneficiary distributions when proceeds are received. Attention to these processes at formation and during administration helps ensure the trust meets tax planning and family continuity objectives.
Familiarity with common terms helps clients make informed decisions about ILITs. Definitions include trust grantor, trustee, beneficiary, premium funding, transfer of ownership, and the three-year inclusion rule that may pull policy proceeds back into an estate if policy ownership changes within three years of death. Other relevant concepts include portability of death benefit, gift tax exclusion strategies, and trust administration duties. Understanding these terms clarifies how an ILIT interacts with other estate planning tools and what responsibilities trustees will hold to manage policy assets and distributions.
A grantor is the individual who creates the trust and transfers assets into it. In the ILIT context, the grantor establishes the trust to hold life insurance and often funds the trust to cover policy premiums through gifts. Once transfers are completed, the grantor generally gives up direct ownership and control over the policy, which is a central feature that enables the ILIT to achieve estate and tax planning objectives. The grantor’s intentions and instructions, written into the trust document, shape distributions, trustee powers, and ultimate beneficiary outcomes.
The trustee is the individual or institution responsible for managing the trust assets, including paying premiums, keeping records, and distributing proceeds to beneficiaries per the trust terms. Selecting a trustee involves considering reliability, administrative ability, and longevity. A trustee must follow the trust document and applicable law, act in the best interest of beneficiaries, and coordinate with financial and tax professionals when necessary. Trustee duties also include responding to beneficiary communications and ensuring timely claims processing after the insured’s death.
A beneficiary is a person or entity designated to receive trust distributions from the ILIT when the life insurance proceeds are paid into the trust. Beneficiaries may include family members, trusts for minors, charitable organizations, or other named recipients. The trust document controls timing and conditions for distributions, which can be immediate, staggered, or conditional based on age, education, or other milestones. Clear beneficiary designations and fallback provisions reduce potential disputes and help ensure proceeds advance the grantor’s estate planning goals.
The three-year rule refers to the federal tax provision that may include life insurance proceeds in the insured’s estate if the insured transferred ownership of the policy within three years of death. This lookup period is an important consideration when moving an existing policy into an ILIT, because transfers within this window could negate some estate tax benefits. Careful planning, such as completing transfers earlier or structuring funding strategies appropriately, can help avoid unintended inclusion under this rule and preserve the intended estate planning advantages of the ILIT.
An ILIT offers distinct advantages compared with simply naming beneficiaries on a life insurance policy or relying solely on a revocable living trust. While naming beneficiaries directly can be straightforward, such proceeds may be included in the taxable estate or exposed to creditor claims depending on circumstances. A revocable living trust does not remove assets from the estate during the grantor’s lifetime. An ILIT, when properly implemented, can separate insurance proceeds from the taxable estate and provide controlled distributions, which can be especially valuable for families looking to protect wealth and provide liquidity after an insured’s death.
A limited approach may be appropriate when life insurance coverage is modest and the combined value of assets does not present a meaningful estate tax exposure under current law. In situations where proceeds are unlikely to push the estate into taxable thresholds, the added complexity and administration of an ILIT may not be necessary. Simple beneficiary designations on the policy and coordination with a revocable living trust or will can often provide sufficient transfer clarity, liquidity for immediate needs, and straightforward probate avoidance for many families.
A more limited arrangement can work when beneficiaries are financially stable and not subject to significant creditor claims or legal disputes. If the insured is comfortable with a direct beneficiary designation and there are no complex distribution conditions or concerns about long-term control of proceeds, maintaining traditional ownership may be simpler. In such cases, combining straightforward policy beneficiary designations with trusts for minors or special circumstances can address specific needs without the administrative responsibilities an ILIT requires.
When estate values are substantial or likely to grow, placing life insurance into an ILIT can offer meaningful tax and liquidity benefits. High-value estates may face federal estate tax exposure, and an ILIT can reduce the portion of the estate subject to tax by keeping proceeds outside the grantor’s estate. This benefit helps ensure heirs receive intended assets without forced sales to cover taxes or debts. Comprehensive planning anticipates changes in asset values, life events, and legal updates to preserve the grantor’s objectives for future generations.
Complex family situations—such as blended families, beneficiaries with special needs, or heirs facing creditor risk—often benefit from a trust-based approach to life insurance proceeds. An ILIT can provide directed distributions, staging of benefits, and safeguards that protect inheritances from unintended claims or misuse. With careful drafting, the trust can address contingencies like remarriage, beneficiary incapacity, or business succession concerns to ensure proceeds fulfill intended purposes and align with the grantor’s long-term wishes.
A comprehensive ILIT provides clarity, predictability, and governance for the distribution of life insurance proceeds. It can create a controlled environment that reduces family conflict and ensures funds are used as intended, whether for college, homeownership, or estate tax payments. The trust structure also supports continuity by naming successor trustees and outlining administrative procedures, which reduces delays in claims processing and distributions. This clarity is valuable for families who seek stability and foresight in their estates.
Comprehensive planning also addresses coordination with other documents like wills, revocable living trusts, and powers of attorney to create a cohesive strategy. It anticipates likely changes, offers flexibility in trustee powers where appropriate, and integrates funding plans for premiums to avoid lapses or unintended tax consequences. By thoughtfully combining the ILIT with broader estate plan elements, clients gain a consistent framework for transferring wealth, preserving family values, and minimizing administrative friction during settlement.
One primary benefit of an ILIT is improved estate tax planning and liquidity management. By removing life insurance proceeds from the taxable estate, the trust can provide funds to pay estate taxes and settlement expenses without forcing the sale of property or business interests. This liquidity preserves the value of long-term investments and family assets. A well-structured ILIT is designed to ensure funds are available when needed and distributed in a manner that supports the family’s financial continuity and legacy goals while respecting applicable tax rules.
An ILIT allows the grantor to specify distribution conditions and timing, which can protect inheritances from immediate dissipation and reduce exposure to creditors. The trust’s terms can phase distributions, set education or health-related uses, and name contingent beneficiaries to preserve family wealth in a disciplined manner. This level of control helps safeguard proceeds from divorce, creditor claims, or poor financial decisions by beneficiaries, creating a structured legacy that aligns with the grantor’s intentions while maintaining legal protections available under applicable California law.
To avoid the three-year inclusion rule and achieve intended estate planning benefits, plan transfers of existing life insurance policies into an ILIT well before the grantor’s anticipated estate events. Early transfers help ensure that proceeds remain outside of the taxable estate and reduce the risk of unintended tax consequences. Coordinating with financial advisors on premium funding strategies and annual gift exclusion mechanics is essential. Careful timing and documentation of gifts can provide a more predictable result for beneficiaries and simplify later trust administration tasks.
An ILIT should not exist in isolation; it must be coordinated with wills, revocable living trusts, power of attorney documents, and beneficiary designations on retirement accounts. Review these documents together to avoid conflicting instructions and ensure that the life insurance trust complements other transfer mechanisms. Regular plan reviews following major life events ensure the ILIT continues to reflect current wishes and legal standards. Communication with heirs about the trust’s purpose can also reduce confusion and manage expectations.
Consider an ILIT if you anticipate significant estate tax exposure, want to provide liquidity for settling your estate, or hope to protect life insurance proceeds from potential creditor claims. An ILIT can also be appropriate when you want to set strict distribution terms for beneficiaries, preserve legacy goals, or integrate life insurance into a broader trust-based plan. For families in Rolling Hills Estates, where assets such as real property may be substantial, an ILIT offers a mechanism to ensure that heirs receive intended benefits without forced liquidation of key assets.
An ILIT may also fit when you wish to leave funds to minor children, family members with special needs, or heirs who may benefit from structured distributions rather than lump sums. It is useful when the grantor wants to separate insurance proceeds from probate and to provide a reliable source of funds for debts, taxes, or ongoing care. A thoughtful ILIT is part of a broader planning conversation about wealth transfer, family dynamics, and long-term financial security for those you intend to benefit.
Typical situations favoring an ILIT include high net worth individuals with estates near or above federal exemption thresholds, owners of family businesses who require liquidity for succession planning, and property owners whose illiquid assets could force estate sales. Additionally, families with concerns about creditor exposure, divorce of beneficiaries, or the need to provide ongoing support for dependents may find an ILIT an appropriate solution. Each scenario requires tailored provisions to address the family’s specific financial and personal goals.
When an estate includes valuable but illiquid assets such as real estate, business interests, or unique collections, an ILIT can help by providing liquid funds to pay estate taxes and administration costs without requiring the sale of prized assets. This arrangement allows beneficiaries to retain ownership of family property or businesses while ensuring that obligations are met promptly. Properly funded and managed, an ILIT offers a mechanism to preserve long-term family holdings and reduce pressures to sell during estate settlement.
Blended families often have competing interests among spouses, children from prior marriages, and dependents. An ILIT can provide a neutral instrument that directs life insurance proceeds according to the grantor’s priorities, offering staged distributions or trusts for different classes of beneficiaries. Clear trust terms minimize disputes and clarify intentions, ensuring that proceeds support the grantor’s chosen goals while balancing the needs of multiple family branches and protecting inheritances across family changes.
If beneficiaries include individuals with disabilities, substance dependency issues, or limited financial experience, an ILIT can provide safeguards by setting distribution conditions and appointing trustees to manage funds responsibly. The trust structure enables the grantor to allocate funds for specific needs—education, health care, or housing—while protecting the principal from mismanagement or outside claims. This approach helps ensure that proceeds are used to improve beneficiaries’ long-term welfare rather than being quickly depleted.
Law Offices of Robert P. Bergman serves clients in Rolling Hills Estates and throughout Los Angeles County, providing tailored guidance on creating and administering ILITs under California law. We help clients assess whether an ILIT fits their estate plan, prepare trust documents, coordinate ownership transfers, and advise on funding and notification strategies. Our goal is to give clear, actionable steps that minimize risk and help families achieve orderly transitions. Call 408-528-2827 to discuss how an ILIT can fit into your estate plan and receive a careful review of your options.
Clients choose Law Offices of Robert P. Bergman for practical, attentive estate planning because we prioritize clarity and responsiveness. We focus on drafting ILIT documents that reflect each client’s personal and financial circumstances, taking care to align trust provisions with other estate planning instruments. Our process includes thoughtful explanation of trustee roles, funding options, and how trusts interact with California law, so clients understand both the benefits and responsibilities associated with establishing an ILIT.
We work closely with financial advisors, insurance professionals, and tax practitioners to ensure the ILIT is integrated smoothly with broader financial strategies. This collaborative approach helps avoid common pitfalls such as untimely transfers or funding gaps, and it supports a seamless transition at the time an insured person dies. Ongoing plan review and assistance with administration help clients maintain the trust’s intended operation over time, preserving benefits for beneficiaries.
Our office values personal attention and clear communication, guiding clients through document creation, trustee selection, and coordination of premium payments. We help clients anticipate potential issues and design provisions to address them in advance, reducing the likelihood of disputes or administrative delays. Whether you are setting up a new policy-owned ILIT or transferring an existing policy, we provide hands-on support through every step of the planning and administration process.
Our legal process begins with an initial consultation to review your goals, family situation, and current financial picture. We evaluate existing policies, outline options for funding premiums, and discuss trustee choices and beneficiary design. After agreeing on plan details, we draft the trust document, prepare necessary transfer and ownership forms for insurers, and advise on gift strategies to fund premium payments. Post-creation, we provide administrative guidance and can assist with trustee duties during the claims process to ensure proceeds are properly received and distributed under the trust terms.
We start by assessing your objectives with respect to asset protection, tax planning, and beneficiary needs, followed by a review of existing estate planning documents and life insurance policies. This stage identifies whether an ILIT is appropriate and how it should be structured to coordinate with your will, living trust, powers of attorney, and retirement accounts. Clear evaluation of these elements early in the process helps avoid conflicting instructions and ensures efficient drafting and implementation of the ILIT.
During the client interview we gather information about family dynamics, asset types, policy ownership, and long-term goals. We document current beneficiaries, policy values, premium obligations, and any special circumstances such as business interests or dependent family members. This thorough inventory supports informed recommendations about trust terms, funding strategies, and trustee responsibilities, and it guides the drafting process to reflect the client’s intentions and practical needs.
We examine existing wills, trusts, beneficiary designations, and powers of attorney to ensure that naming conventions and transfer instructions are consistent. Identifying discrepancies early prevents later conflicts and streamlines estate administration. We also review potential tax implications, creditor concerns, and timing issues such as the three-year rule, providing clear advice on how to structure transfers and contributions to achieve the desired outcomes while complying with applicable laws.
After defining the plan, we draft the ILIT document with precise language addressing trustee authority, distribution conditions, successor trustee appointments, and premium funding mechanisms. We prepare ownership transfer paperwork and coordinate with insurers to effect changes in policy ownership or beneficiary status. Where gifts to fund premiums are necessary, we advise on documentation and notice procedures. The implementation stage focuses on thorough documentation and timely actions to secure the intended benefits of the trust.
The trust document spells out the trustee’s powers, how proceeds are to be managed and distributed, and contingencies for varied family scenarios. Clear trustee provisions help ensure efficient administration and reduce conflict. We include instructions for recordkeeping, premium payment arrangements, and claims handling after death, while leaving room for reasonable trustee discretion to address unforeseen circumstances in a manner consistent with the grantor’s objectives.
Transferring ownership of an existing policy to the ILIT or issuing a new policy in the trust’s name requires coordination with insurers and careful documentation to avoid lapses in coverage. We prepare transfer forms, communicate with carriers, and advise on premium funding methods such as annual gifts or other funding strategies. Proper execution prevents administrative errors and helps ensure the policy remains effective while the trust is operational.
Once the ILIT is established, administration includes paying premiums, maintaining records, issuing required notices to beneficiaries for gift exclusion purposes when applicable, and coordinating with financial advisors. We provide ongoing guidance on trustee responsibilities and stand ready to assist with claims processing when the insured passes. Periodic reviews are recommended to ensure the trust remains aligned with changes in family circumstances, asset values, and applicable law, preserving the trust’s intended benefits over time.
Trust administration requires consistent premium payments and precise records of gifts, notices, and expenses. Trustees should document each funding transaction and maintain communications with insurers about policy status. Accurate records support tax reporting and protect the trust’s position if questions arise about gift exclusion or compliance. We advise trustees on best practices for bookkeeping and coordinate with advisors to ensure all administrative steps are completed according to plan.
At the insured’s death, timely filing of claims and prompt distribution according to the trust are vital. Trustees must collect the policy proceeds, handle creditor and tax obligations as directed by the trust, and execute distributions to beneficiaries. We assist trustees through this process to help ensure that claims are processed efficiently and that trust terms are faithfully implemented, minimizing delays and addressing any legal or tax questions that may arise during estate settlement.
An irrevocable life insurance trust (ILIT) is a trust specifically created to own and receive the proceeds of life insurance policies, keeping those proceeds outside the insured’s taxable estate in many situations. Unlike a revocable living trust, an ILIT is irrevocable, meaning the grantor gives up ownership and control over the policy once it is transferred to the trust. This transfer is what allows the policy proceeds to potentially avoid inclusion in the estate for tax purposes, and it enables the trust to define how proceeds are managed and distributed to beneficiaries. The main distinction from other trusts is the ILIT’s focus on life insurance ownership and proceeds. While a revocable trust can hold many asset types and remains under the grantor’s control during life, an ILIT’s irrevocable nature and its sole purpose of holding insurance proceeds make it a powerful planning tool for estate liquidity, creditor protection in some circumstances, and aligned beneficiary distribution. Proper setup and administration are necessary to realize these benefits under current tax rules.
Yes, you can transfer an existing life insurance policy into an ILIT, but timing and documentation matter. When moving a policy into an ILIT, insurers typically require transfer forms, a new owner designation, and updates to beneficiary designations naming the trust. It is important to complete these steps correctly to avoid coverage lapses and to document the transfer in the trust records. Coordination with the insurer and careful handling of ownership paperwork ensures the policy remains active and that the trust becomes the legal owner. Be aware of the three-year rule, which may cause proceeds to be included in the insured’s estate if the policy transfer occurs within three years of death. To avoid unintended estate inclusion, transfers should be completed well in advance when possible, and funding arrangements for premiums should be established so the trust can maintain the policy. Consulting with legal counsel helps ensure the transfer produces the intended estate planning outcomes.
An ILIT can reduce the portion of an estate subject to federal estate tax by removing life insurance proceeds from the taxable estate, provided the trust is properly established and ownership is transferred outside the three-year lookback period. For many California residents, this can provide crucial liquidity to pay federal estate taxes without forcing the sale of significant assets. State-level estate tax is not currently an issue in California, but federal tax planning remains an important consideration for higher-value estates. Because tax rules are complex and subject to change, careful drafting and administration are required to achieve the intended benefits. Proper funding strategies for premiums and precise recordkeeping of gifts and notices can support the trust’s position. Working with advisors ensures the ILIT is integrated with other tax planning measures to align with the client’s overall financial and legacy objectives.
The trustee should be someone who can reliably manage administrative duties, interact with insurers, maintain accurate records, and act impartially when distributing proceeds to beneficiaries. Options include a trusted family member, a friend with financial acumen, or a professional individual or corporate trustee. Each choice has advantages and trade-offs: a family member may know personal wishes, while a professional trustee can provide continuity and experienced administration over long periods. It is important to name successor trustees and to provide clear trustee powers and instructions within the trust document. This planning reduces the risk of disputes or administrative delays and ensures that someone capable will be positioned to handle premium payments, claims processing, and distributions when the insured’s policy proceeds are received by the trust.
Premiums for policies owned by an ILIT are typically paid through gifts from the grantor to the trust, which then uses those funds to pay the insurer. Annual gift tax exclusion rules are often used to make these contributions without creating gift tax consequences. The trust may rely on Crummey withdrawal powers or other notice mechanisms to qualify gifts for exclusion, and trustees should document each gift and payment carefully to support tax filings. Alternative funding approaches can include the grantor making larger gifts or using other assets to fund premiums, while always observing the legal and tax requirements. Trustees must maintain thorough records of all incoming gifts and outgoing premium payments, and beneficiaries should be informed as required by the trust terms or tax rules to preserve the intended treatment of the contributions.
The three-year rule is a federal tax provision that can cause life insurance proceeds to be included in the deceased’s estate if the insured transferred ownership of the policy within three years of death. This rule exists to prevent last-minute transfers that attempt to move proceeds outside the estate while still benefiting from policy ownership. For individuals moving existing policies into an ILIT, the three-year lookback period is a key timing consideration to preserve the trust’s intended tax advantages. To avoid the rule’s impact, transfers should be completed well in advance of any foreseeable estate events, and careful planning with attorneys and financial advisors helps establish funding mechanisms and documentation to support the trust’s position. When a transfer must occur closer to potential estate events, additional planning measures might be necessary to mitigate consequences and secure the client’s goals.
An ILIT can provide a degree of protection for life insurance proceeds from creditors and certain claims, depending on the trust’s terms and applicable law. Because the trust is irrevocable and the grantor no longer owns the policy, proceeds payable to the trust are generally separated from the grantor’s personal assets, which can reduce exposure to creditor claims against the estate. This separation is particularly useful for individuals concerned about future creditor exposure or litigation risks affecting beneficiaries. However, the level of protection varies by situation and may depend on timing, the nature of creditors’ claims, and state-specific law. An ILIT should be carefully drafted and administered to maximize protection while complying with legal requirements. Consulting with counsel familiar with trust and creditor law helps ensure the trust’s structure aligns with the client’s protection objectives.
Because an ILIT is irrevocable by definition, changing its core terms after creation is generally not possible without very limited and specific procedures. Modifications may be available in narrow circumstances through trust provisions that allow limited trustee discretion, through court modification for unforeseen circumstances, or via decanting when permitted by law. Grantors should understand that creating an ILIT is a long-term commitment and should plan trust terms carefully to address likely future events from the outset. Periodic reviews of related estate planning documents and proactive planning can mitigate the need for later modifications. If changes become necessary, legal counsel can evaluate options such as court petitions or transfers of assets into complementary structures, always considering tax implications and the grantor’s intent.
An ILIT can be designed to accommodate special needs beneficiaries or minors by directing distributions to supplemental needs trusts or custodial arrangements that preserve eligibility for government benefits while providing for additional support. The trust document can name contingent trusts for minors or persons with disabilities to manage proceeds responsibly and provide long-term care funding without disrupting public benefits. Precise drafting is essential to avoid creating disqualifying income streams or unintended tax consequences for recipients. For minors, the ILIT can include staged distributions or educational funding provisions and appoint trustworthy trustees or guardians to manage resources until beneficiaries reach maturity. Working with attorneys knowledgeable about special needs planning ensures the ILIT integrates seamlessly with other protective measures to secure beneficiary welfare.
Begin the process by scheduling an initial consultation to discuss goals, existing policies, and family circumstances. During this meeting we will review current estate planning documents, policy ownership, and financial objectives to determine whether an ILIT is appropriate. Collecting information about beneficiaries, potential trustees, and policy details before the appointment helps make the meeting efficient and productive. If you proceed, we will draft the ILIT document, coordinate with insurers for any necessary ownership transfers, and help establish premium funding strategies. Our firm assists with all implementation steps and provides guidance for ongoing administration, recordkeeping, and trustee duties to ensure the trust functions as intended when it matters most.
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