An Irrevocable Life Insurance Trust (ILIT) can be a powerful tool for preserving life insurance proceeds outside of your taxable estate while providing control over distribution to your beneficiaries. In Studio City and throughout Los Angeles County, we assist clients in evaluating whether an ILIT aligns with their broader estate plan, including coordination with wills, revocable living trusts, and other planning documents. This overview explains the purpose of an ILIT, how it functions, and the common benefits families seek when considering this approach to protect legacy assets and reduce potential estate tax exposure over the long term.
Choosing to create an ILIT involves careful consideration of funding methods, trustee selection, and timing to meet legal and tax goals. Our discussion covers how an ILIT can hold life insurance policies, how premiums are paid, and how distributions are structured to provide for surviving family members, dependents with special needs, or charitable objectives. We’ll also review the interactions between an ILIT and other estate planning documents like pour-over wills, financial powers of attorney, and advance health care directives to ensure that ownership and beneficiary designations reflect your intentions accurately and consistently.
An ILIT is commonly used to remove life insurance proceeds from a settlor’s taxable estate, potentially reducing estate tax liability and preserving more wealth for beneficiaries. Beyond tax considerations, an ILIT offers control over timing and conditions of distributions, which can protect proceeds from creditors or from mismanagement by heirs. It can be tailored to support long-term family needs, such as providing for minor children, funding a special needs trust, or ensuring that retirement plan benefits pass according to a broader plan. Careful drafting helps align the trust with long-term objectives while maintaining flexibility where appropriate.
Law Offices of Robert P. Bergman serves clients with thoughtful estate planning in California, including clients in Studio City and greater Los Angeles County. Our team focuses on creating durable, practical documents such as irrevocable life insurance trusts, revocable living trusts, wills, powers of attorney, and health care directives. We emphasize clear communication, careful drafting, and tailored strategies that reflect each client’s personal and financial circumstances. Our goal is to make the process understandable, implementable, and connected to the rest of your estate plan so families can preserve their legacy and protect loved ones.
An ILIT is a trust created to own and manage life insurance policies for the benefit of designated beneficiaries. Once funded and properly administered, proceeds paid at the insured’s death are held in the trust and distributed according to terms set by the trust document. Funding typically involves transferring an existing policy into the trust or having the trust purchase a new policy. Premiums may be funded by gifts to the trust, and care must be taken to observe relevant gift tax rules and three-year lookback periods to ensure the proceeds remain outside the settlor’s taxable estate.
Proper administration of an ILIT requires attention to trustee duties, tax filings when applicable, and coordination with beneficiary designations on other accounts. The trust document can include instructions for income distribution, capital distributions, and direction about how funds should be used for education, healthcare, or support for a surviving spouse or children. For families with unique needs, provisions can be written to fund a special needs trust, a pet trust, or to provide ongoing stewardship through a retirement plan trust or other subtrusts tailored to specific goals.
An Irrevocable Life Insurance Trust is a formal legal arrangement in which a grantor transfers ownership of a life insurance policy to a trust that cannot be revoked by the grantor. The trust becomes the owner and beneficiary of the policy, with a trustee responsible for administration and distribution according to the trust terms. Because the grantor relinquishes incidents of ownership, the policy proceeds may avoid inclusion in the grantor’s taxable estate if structured and timed properly. Key features include trust funding, naming trustees and beneficiaries, and preparing related documents like certification of trust or pour-over wills to integrate with a larger estate framework.
Establishing an ILIT typically involves drafting the trust agreement, naming a trustee, transferring or purchasing the life insurance policy in the name of the trust, and creating a funding plan for premium payments. The trustee must manage the policy and any trust assets, keep records, and handle distributions when death benefits are received. Additional steps often include preparing a general assignment of assets to the trust, executing a certification of trust for ancillary transactions, and coordinating beneficiary designations on retirement accounts and other financial instruments to ensure the ILIT functions as intended within the overall estate plan.
Understanding common terms related to ILITs helps clients make informed decisions. This section defines important concepts such as grantor, trustee, beneficiary, incidents of ownership, gift tax considerations, and the three-year lookback period. Clear definitions reduce confusion about how transfers impact estate taxation and how the trust operates after death. For clients with multiple planning documents, glossary awareness ensures consistent terminology across revocable trusts, wills, and ancillary trusts like special needs or pet trusts, promoting coherent administration and minimizing the risk of unintended results.
Grantor refers to the person who creates the trust and transfers assets or policy ownership into it. In the ILIT context, the grantor usually funds the trust by making gifts to cover insurance premiums or by transferring an existing policy. Once the transfer is made, the grantor generally relinquishes the power to revoke or control the trust assets, which helps keep proceeds separate from the grantor’s estate. Understanding the grantor’s role clarifies how much control can be retained and which actions could inadvertently cause estate inclusion of life insurance proceeds.
The trustee is the individual or entity responsible for managing trust assets, paying premiums, and distributing trust proceeds according to the trust document. A trustee has fiduciary duties to act in the beneficiaries’ best interests, maintain accurate records, and follow the grantor’s instructions within the trust terms. Selecting a trustee involves balancing trustworthiness, administrative ability, and proximity to beneficiaries, and the trust can name successor trustees to ensure continuity of management over time.
A beneficiary is the person or entity entitled to receive distributions from the trust when the life insurance proceeds are paid. Beneficiaries may include spouses, children, grandchildren, charities, or secondary trusts such as special needs or retirement plan trusts. The trust document can specify distribution timing, conditions, and purposes to guide the trustee in making decisions. Clear beneficiary designations and coordination with other estate documents help prevent disputes and ensure proceeds fulfill the grantor’s intentions for legacy support.
Incidents of ownership refer to rights that, if retained by the grantor, can cause life insurance proceeds to be included in the grantor’s estate for tax purposes. Examples include the right to change beneficiaries or borrow against the policy. The three-year rule is a tax provision that counts policies transferred within three years of death as part of the transferor’s estate unless exceptions apply. Addressing these considerations at the time of trust funding and selection of terms is essential to achieving the objective of keeping proceeds outside the taxable estate.
When evaluating estate planning options, it helps to compare an ILIT with alternatives such as keeping a policy in one’s own name, using a revocable living trust, or naming individual beneficiaries directly. An ILIT can provide enhanced protection from creditors and more controlled distributions than directly naming beneficiaries, while a revocable trust offers flexibility but may not remove insurance from the taxable estate. The right choice depends on priorities such as tax planning, asset protection, family dynamics, and the need for structured distributions, and a coordinated plan ensures documents work together effectively.
For families with modest life insurance policies and straightforward beneficiary needs, keeping a policy in the insured’s name and updating beneficiary designations may be sufficient. This approach reduces administrative complexity and avoids the formalities of trust administration. It can work well when there is confidence in the beneficiary’s ability to manage proceeds and when estate tax exposure is unlikely based on current asset levels. However, reviewing the approach periodically is important to ensure it continues to meet objectives as circumstances change.
If the primary motivation is providing quick liquidity to cover final expenses or short-term obligations, a direct beneficiary designation can often accomplish that goal with minimal delay. Naming a trusted individual or an estate to receive proceeds can supply cash flow without the legal steps required to fund a trust. This choice is appropriate where long-term distribution controls or estate tax mitigation are not priorities, but even in such cases it is wise to periodically revisit beneficiary designations and coordinate with other documents to avoid unintended consequences.
A comprehensive estate planning approach that integrates an ILIT with revocable trusts, wills, and beneficiary designations is particularly valuable when estate tax exposure exists or when asset protection is a priority. Coordinated planning helps ensure that life insurance proceeds are sheltered from estate inclusion where possible and that distributions are aligned with long-term intentions. This approach also helps avoid conflicts between documents and reduces the risk of unintended tax consequences or probate complications, providing families with a clear roadmap for managing wealth across generations.
Comprehensive planning is especially important when beneficiaries have special needs, are minors, or face potential creditor or divorce risks. An ILIT can be combined with a special needs trust, guardianship nominations, or other tailored provisions to provide support while preserving eligibility for public benefits or protecting assets from outside claims. Thoughtful drafting can provide safeguards, define permissible uses for trust funds, and establish management structures that reflect a grantor’s long-term objectives for dependent or vulnerable beneficiaries.
A holistic estate plan that includes an ILIT can increase certainty about how assets will be deployed, reduce the likelihood of disputes, and create smoother administration at the time of death. Combining an ILIT with other documents such as a pour-over will, financial power of attorney, and advance health care directive creates continuity between lifetime decisions and legacy distribution, minimizing gaps that could trigger probate or disagreements among heirs. This coordinated structure supports a more predictable transition of wealth according to the grantor’s intentions.
Comprehensive planning also helps manage tax consequences, protect assets from certain claims, and ensure funds are available when beneficiaries need them most. Including provisions for retirement plan trusts, irrevocable life insurance trusts, and certification of trust documents makes it easier for trustees and institutions to act efficiently. For individuals with blended families, business interests, or beneficiaries with ongoing needs, a well-integrated plan clarifies priorities and can diminish friction during what is often an emotional time.
A key advantage of an ILIT within a comprehensive plan is the ability to control when and how proceeds are distributed, protecting beneficiaries from receiving a large lump sum at an inopportune time. The trust can specify staggered distributions, require matching funds for education, or set conditions tied to life events. This structure helps preserve assets for future needs and can prevent misuse. Clear instructions reduce family conflict and provide a trustee with authoritative guidance on implementing the grantor’s wishes responsibly over time.
An ILIT that is properly funded and administered can keep life insurance proceeds out of the grantor’s estate for estate tax purposes, which may preserve more value for heirs. While tax rules can change, and results depend on individual circumstances and timing, using an ILIT as part of a broader plan offers a structured approach to manage potential tax impacts. Coordination with other tools like retirement plan trusts and pour-over wills ensures there are no unintended overlaps that might compromise intended tax benefits.
When transferring an existing life insurance policy into an ILIT, timing matters because transfers within three years of the insured’s death can be included in the estate. Carefully planning the timing of transfers and premium payments helps preserve the intended tax benefits. If you intend to purchase a new policy through the trust, ensure the trust is in place before the policy is issued and that premium payment mechanisms are clearly documented. Clear coordination reduces the risk of unintended estate inclusion and supports a smoother administrative process for trustees and beneficiaries.
To avoid conflicts, coordinate beneficiary designations on retirement accounts, life insurance policies, and other assets with your ILIT and overall estate plan. A pour-over will can funnel assets back into a primary trust, but beneficiary designations typically prevail, so regular review is important. Prepare ancillary documents such as a certification of trust to make transactions easier for financial institutions. Periodic reviews ensure that changes in family circumstances, marriages, divorces, or births are reflected consistently across documents, preserving the grantor’s intentions.
An ILIT can be an effective tool for families who wish to protect life insurance proceeds from estate inclusion, manage distributions for beneficiaries, or support long-term financial objectives like funding education or caring for a dependent with special needs. It can also be useful for business succession planning, where life insurance proceeds are designated to facilitate business continuity or buy-sell arrangements. Many clients value the ability to combine a life insurance trust with other estate planning documents to provide clarity and security for their heirs and to reduce the administrative burdens that might otherwise fall on family members after a death.
People who should consider an ILIT include those with significant life insurance holdings, blended families, or intentions to leave structured inheritances rather than outright distributions. Those concerned about estate tax exposure, protecting proceeds from creditors, or ensuring funds are managed responsibly across generations often find that an ILIT provides added peace of mind. Even when estate tax is not an immediate concern, the control and protection an ILIT offers can help preserve assets and prevent potential misuse by inexperienced beneficiaries.
Typical circumstances that prompt families to consider an ILIT include substantial life insurance policies that could increase estate tax exposure, beneficiaries who are minors or have special needs, or desires to limit direct access to a large lump sum. Business owners sometimes use ILITs to support buy-sell funding or to provide liquidity without dragging insurance proceeds into their estate. Additionally, individuals approaching retirement or those undergoing significant wealth transfers commonly review their plans to determine whether an ILIT would better support their long-term objectives and family protection goals.
When a life insurance policy represents a significant portion of a family’s wealth, placing the policy into an ILIT can help manage potential estate tax exposure and create a structured plan for distribution. An ILIT helps separate the proceeds from the settlor’s taxable estate while allowing the trust to direct how and when beneficiaries will receive funds. This is particularly helpful for families who want to preserve intergenerational wealth, fund educational needs, or provide for long-term care costs without exposing the proceeds to probate or estate taxation under current law.
If a beneficiary has special needs or circumstances that could affect eligibility for government benefits, an ILIT can be drafted to fund a special needs trust or otherwise provide support without jeopardizing benefits. Similarly, when beneficiaries face creditor risks or might be vulnerable to poor financial decisions, the trust can establish protections that guide trustees in making distributions for health, education, maintenance, and support. Thoughtful drafting enables heirs to receive care and support in ways that respect both immediate needs and long-term stability.
Business owners often use an ILIT to provide liquidity for succession planning, ensuring that funds are available to buy out a departing partner or to cover estate taxes that could otherwise force the sale of business assets. By removing life insurance proceeds from the owner’s estate and placing them in a trust, families can create a predictable source of capital for business continuity. This structure supports orderly transitions and helps preserve the business for future generations without imposing undue financial burdens on family members or co-owners.
We serve Studio City and neighboring communities in Los Angeles County, offering practical guidance on establishing and administering irrevocable life insurance trusts. Our approach focuses on understanding your family dynamics, financial objectives, and long-term needs before recommending the most appropriate structure. Whether you are transferring an existing policy, creating a new trust-owned policy, or coordinating an ILIT with other estate documents such as a revocable living trust, will, and powers of attorney, we provide clear, actionable planning to help ensure your intentions are carried out effectively.
At Law Offices of Robert P. Bergman, we pride ourselves on delivering thorough estate planning that reflects each client’s values and priorities. Our practice focuses on personalized strategies such as ILITs, revocable living trusts, and related documents like pour-over wills and powers of attorney. We aim to present options in plain language, helping clients weigh the benefits and trade-offs of trust ownership versus alternative arrangements. Our process emphasizes careful drafting, clear funding plans, and coordination across the full estate plan to minimize surprises and streamline future administration.
We prioritize client education and ongoing review so that your plan adapts to life changes, new laws, and shifting family circumstances. We help clients implement practical funding strategies for ILIT premiums, prepare necessary trust certifications, and advise trustees on administrative duties when the need arises. This inclusive approach helps ensure that the trust functions as intended and that trustees and beneficiaries understand their roles and responsibilities when the policy proceeds are distributed.
Our team assists with a range of ancillary documents that often accompany ILIT planning, including general assignments of assets to trusts, certification of trust forms, HIPAA authorizations, guardianship nominations, and petitions for trust modification if circumstances require adjustments. By addressing these connected pieces, we help create a cohesive plan that maintains consistency across legal instruments and reduces the likelihood of conflicts or unintended outcomes for families in Studio City and throughout California.
Our process begins with a detailed review of current assets, life insurance policies, family needs, and estate planning goals. We assess whether an ILIT is appropriate given tax, creditor, and distribution objectives, then draft a trust tailored to those goals. We coordinate policy transfers or trust-owned purchases, prepare supporting documents like pour-over wills and powers of attorney, and provide guidance on premium funding to avoid unintended tax consequences. Throughout, we maintain open communication to ensure that clients understand each step and the implications for their broader estate plan.
The first step involves a thorough consultation to gather facts about your financial situation, existing insurance policies, family circumstances, and planning objectives. We review current estate documents, beneficiary designations, and any business succession or special needs concerns. This assessment helps determine whether an ILIT is suitable and how it should be integrated with your overall plan. From there we outline recommended options, discuss trustee selection, and prepare a roadmap for trust funding and administration tailored to your goals.
We carefully examine existing wills, revocable trusts, life insurance policies, and beneficiary designations to identify inconsistencies or gaps that could affect your goals. This review includes looking at retirement plan beneficiary designations, any prior assignments, and whether current ownership of policies aligns with intended outcomes. Identifying conflicts early allows us to recommend changes that minimize probate exposure and ensure that proceeds will be administered according to your overall estate strategy.
Understanding your family dynamics, including the needs of minor children, dependents with disabilities, or blended family considerations, informs how an ILIT should be structured. We discuss whether you prefer immediate distributions, staged releases, or uses tied to education and healthcare. These choices influence trustee guidelines and trustee selection. Open dialogue about values, concerns, and long-term intentions ensures the final trust document reflects practical solutions and realistic expectations for beneficiaries and trustees alike.
After confirming the approach, we draft the ILIT document and any related instruments needed for implementation. Drafting includes specifying trustee powers, distribution standards, successor trustee provisions, and integration clauses referencing other estate plan documents. We prepare a certification of trust or general assignment of assets to enable financial institutions to recognize the trust. This stage also covers instructions for funding the trust and setting up premium payment mechanisms to maintain the policy effectively while observing applicable tax rules.
During execution, we ensure the trust is properly signed, witnessed, and notarized per California requirements. If transferring an existing policy, we handle assignment forms and coordinate with the insurer to update ownership and beneficiary designations. When the trust purchases a new policy, we guide the application process and document the funding path for premiums. Proper execution and funding are essential to maintain the intended separation between the grantor’s estate and the trust assets.
We update or prepare connected documents such as pour-over wills, financial powers of attorney, advance health care directives, HIPAA authorizations, and guardianship nominations to ensure the estate plan functions cohesively. These documents support the ILIT by addressing situations where the trust does not control other non-insurance assets. Coordinating these elements reduces the risk of conflicts and ensures that a client’s broader wishes are reflected consistently across all legal instruments.
After the ILIT is in place, we conduct a post-implementation review to confirm that ownership changes took effect, premium funding is established, and trustee responsibilities are clear. We provide written guidance to the trustee about recordkeeping, premium payments, and steps to take when death benefits are payable. Periodic reviews are recommended to account for law changes, new asset acquisitions, or shifts in family circumstances, ensuring the trust continues to meet objectives and that all elements of the estate plan remain aligned.
We provide trustees with practical instructions for maintaining accurate records, tracking premium payments, and complying with any reporting obligations. Clear recordkeeping supports transparency and helps trustees demonstrate that they fulfilled their duties. Guidance also covers how to interact with insurance carriers and financial institutions, who may require a certification of trust to release funds or recognize the trustee’s authority. Proper documentation reduces administrative friction and helps preserve the grantor’s intended distribution plan.
Because life circumstances and laws can change, periodic reviews of the ILIT and the overall estate plan are advisable. If circumstances warrant, we can assist with trust modification petitions or other updates that respect the limitations of an irrevocable structure while still addressing changed needs. Reviews also verify that beneficiary designations across accounts remain consistent and that trust administration continues to align with your objectives, providing ongoing assurance that the plan remains effective and responsive to new developments.
An Irrevocable Life Insurance Trust is a trust that owns a life insurance policy and becomes the beneficiary of the policy proceeds when the insured dies. Because the grantor transfers incidents of ownership to the trust and the trust is irrevocable, proceeds may not be included in the grantor’s taxable estate, subject to timing and other rules. The trust document governs how death benefits are held and distributed, enabling a grantor to specify uses such as support for family members, funding educational needs, or providing for a dependent with special needs. Establishing an ILIT also requires careful administration, including selection of a trustee to manage the policy and any trust assets, and clear instructions about distributions. To ensure the trust accomplishes its intended tax and asset protection objectives, funding and ownership changes must be handled correctly. Coordination with other estate documents, beneficiary designations, and premium funding strategies helps preserve the intended separation from the estate and supports orderly management after the insured’s death.
Transferring a life insurance policy into an ILIT can remove the policy proceeds from your taxable estate, but transfers made within three years of death may still be included under the three-year rule. This rule looks back at ownership changes to prevent last-minute transfers from avoiding estate inclusion. For that reason, transferring an existing policy years before expected mortality or purchasing a new policy in the trust’s name are common strategies to avoid the lookback. Gift tax considerations also arise when making gifts to the trust to cover premiums. Such gifts may qualify for the annual gift tax exclusion if properly documented, and larger contributions may require additional planning. Careful coordination of timing and documentation helps minimize unintended tax consequences while supporting the trust’s funding needs over time.
A trustee should be someone with integrity, administrative ability, and willingness to follow the terms of the trust. This could be a trusted family member, a close friend, or a corporate fiduciary, depending on the complexity and longevity of the trust. The trustee’s duties typically include paying premiums, maintaining records, filing any applicable tax returns, and making distributions according to the trust’s instructions. Naming successor trustees is important to ensure continuity of management when the original trustee cannot continue. Trustees are fiduciaries and are expected to act in the beneficiaries’ best interests while adhering to the trust’s terms. Clear guidance in the trust document, along with practical instructions provided at the time of funding, helps trustees carry out their responsibilities effectively and reduces the likelihood of misunderstandings or disputes among beneficiaries.
Yes. An ILIT can be structured to fund a separate special needs trust or include provisions that ensure distributions do not disqualify a beneficiary from means-tested public benefits. Care must be taken to draft the language precisely so that funds are used for supplemental needs rather than basic support covered by public programs. The trustee’s discretion and distribution criteria should be tailored to preserve eligibility while addressing the beneficiary’s needs for healthcare, education, and quality-of-life improvements. Successful coordination often involves working with caregivers, financial planners, and other advisors to ensure the trust and any special needs trust are aligned. The goal is to supplement public benefits without replacing them, providing targeted support that enhances the beneficiary’s overall well-being while maintaining the legal protections those benefits provide.
Premiums for an ILIT are commonly funded through annual gifts from the grantor to the trust. These gifts may qualify for the annual gift tax exclusion if properly structured and documented, allowing contributions to cover premium payments without generating immediate gift tax liability. In some cases, larger transfers are made and managed through more complex funding strategies, depending on the grantor’s financial picture and tax planning objectives. It is important to maintain clear documentation of gifts and premium payments, particularly when using the annual exclusion. Trustees and grantors should coordinate to ensure that checks or transfers are recorded and that any required notices to beneficiaries are provided when necessary. Proper funding documentation supports the intended estate and tax outcomes for the ILIT over time.
When the insured dies, the life insurance carrier pays proceeds to the trust, and the trustee administers those funds according to the trust’s distribution terms. The trustee will typically pay any final expenses and then distribute funds based on instructions such as lump sums, staggered distributions, or payments for specific needs like education or medical care. Documentation and prompt communication with beneficiaries help the process move efficiently and reduce administrative delays. Trustees may also need to consider tax or reporting obligations, retain professional advisors for complex distributions, and preserve records demonstrating prudent administration. If the trust was drafted to create subtrusts for special circumstances or to manage funds across different beneficiaries, the trustee will follow those specifications to implement the grantor’s intentions faithfully.
Because an ILIT is irrevocable, modifications are limited and often require court approval or consent of all interested parties, depending on state law and the terms of the trust. Situations may arise where a trust modification petition is appropriate to correct ambiguities, accommodate unforeseen circumstances, or reflect changes in law that affect administration. Such petitions are carefully considered and typically pursued only when necessary to preserve the trust’s underlying objectives without undermining its irrevocable nature. Periodic reviews prior to death help identify potential issues early, and where modification is needed after establishment, legal guidance can determine the best path forward. In some cases, decanting or judicial reformation may be options, but each path involves legal complexities and should be evaluated with the goal of preserving beneficiaries’ interests and adhering to statutory constraints.
An ILIT should be coordinated with the rest of your estate plan to avoid conflicts. For example, pour-over wills, revocable living trusts, and beneficiary designations must be examined to ensure they’re consistent with the ILIT’s objectives. Beneficiary designations on retirement accounts and life insurance policies can supersede testamentary documents, so updating those forms to reflect the trust’s role is essential. Clear integration prevents unintended results such as assets passing outside the intended structure or triggering probate where it was meant to be avoided. Coordinated planning also involves updating powers of attorney and advance health care directives so that financial and medical decisions align with the broader plan. When accounts are titled correctly and documents reference each other, trustees and fiduciaries have a clearer path to manage assets and implement distributions according to your wishes.
While ILITs offer many benefits, they also have limitations. Once established, an ILIT is generally irrevocable which means the grantor gives up certain control and flexibility over the policy. Transfers within three years of death may be subject to estate inclusion, and the trust requires ongoing administration, recordkeeping, and trustee oversight. For those who prefer maximum flexibility, a revocable trust or keeping a policy in one’s own name may be more appropriate despite offering fewer protections. Costs and administrative burden are additional considerations. Trustees may need guidance, and the trust may require professional management depending on the policy size and distribution complexity. Weighing these trade-offs in the context of family needs, potential tax exposure, and long-term planning goals helps determine whether an ILIT is the right approach.
Getting started involves scheduling an initial consultation to review your current life insurance policies, estate planning documents, family circumstances, and financial objectives. During this meeting we discuss whether an ILIT fits your goals, how best to fund it, and the steps needed to integrate it with other documents like wills and powers of attorney. Clear documentation of existing policies and beneficiary designations accelerates the assessment and helps identify areas that need updating. If you decide to proceed, we assist with drafting the ILIT, preparing supporting documents, coordinating policy transfers or trust-owned policy purchases, and advising on premium funding strategies. We also provide guidance for selecting a trustee, naming successors, and preparing the trustee to manage the trust when proceeds become payable, helping ensure a smooth implementation tailored to your needs.
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