An Irrevocable Life Insurance Trust (ILIT) is a strategic estate planning tool used to manage life insurance proceeds outside of an individual’s taxable estate. For residents of Winnetka and the surrounding Los Angeles communities, creating an ILIT can help protect the value of a life insurance policy, provide liquidity to cover final expenses, and preserve family wealth for future generations. This guide explains how an ILIT functions, who may benefit from one, and how the process works when crafted with careful attention to California law and the unique needs of each family.
Setting up an ILIT requires thoughtful planning and clear documentation to ensure that life insurance proceeds are directed according to the grantor’s wishes while minimizing tax exposure and avoiding probate complications. We cover common provisions found in ILITs, including trust funding, trustee selection, beneficiary designations, and distribution terms. Whether the goal is protecting proceeds for minor children, providing for a surviving spouse, or coordinating with other trusts like irrevocable life insurance trusts used in conjunction with retirement plan trusts, a measured approach will help align the trust with personal and financial objectives.
An ILIT delivers several practical benefits that many families in Winnetka find valuable. First, it removes life insurance proceeds from the grantor’s taxable estate, which may reduce estate tax exposure and ensure a larger inheritance is available to beneficiaries. Second, an ILIT provides clear instructions for how proceeds should be used, offering liquidity for debts, taxes, and final expenses without forcing asset sales. Third, the trust structure gives the grantor control over distributions and timing, which can protect proceeds for minors or beneficiaries with special needs. Finally, an ILIT can work alongside other estate planning instruments like pour-over wills and revocable living trusts to create a cohesive plan.
The Law Offices of Robert P. Bergman serve clients across California with a focus on estate planning matters, including Irrevocable Life Insurance Trusts. Our attorney-led team works directly with clients to understand family dynamics, financial goals, and retirement planning needs. We prepare trust documents, coordinate with financial advisors and insurance agents, and guide trustees through post‑death administration when necessary. Our approach emphasizes clear communication, practical solutions, and thorough documentation so that each trust reflects the grantor’s priorities while complying with state and federal law.
An ILIT functions as an independent legal entity that owns and controls one or more life insurance policies. Once a policy is transferred into the trust or the trust becomes the owner and beneficiary, the proceeds are generally excluded from the insured’s probate estate. The trust terms govern how death benefits are received and distributed to beneficiaries. Trustees have fiduciary duties to manage trust assets according to the document. For people with substantial life insurance holdings, an ILIT is commonly used to help manage tax exposure, ensure liquidity, and create a predictable legacy plan in alignment with other estate documents.
Establishing an ILIT requires attention to timing and technical rules. For example, if the insured transfers an existing policy into an ILIT, federal rules may impose a three‑year lookback period during which proceeds remain in the estate. Gifts of insurance premium payments to the trust must be structured to avoid unintended tax consequences and to ensure trustee control over policy administration. Clear beneficiary designations and documentation such as a Certification of Trust and funding records help trustees and financial institutions accept the trust as the policy owner and payor of claims.
An ILIT is a trust in which the grantor irrevocably transfers ownership or the right to purchase life insurance so that proceeds on the insured’s death are paid to the trust rather than the estate. The trust instrument specifies how proceeds are held and distributed, appoints a trustee to manage the assets, and names beneficiaries. Because the insured no longer owns the policy once it is transferred, the proceeds are generally not included in the insured’s taxable estate, subject to timing rules. An ILIT can be tailored to provide liquidity, protect benefits for minors, or address special distribution needs.
Creating an ILIT involves drafting a trust document, naming trustees and beneficiaries, funding the trust with an existing policy or having the trust purchase a new policy, and maintaining proper records of premium payments and gift transfers. Trustees must be capable of administering the policy, filing necessary tax forms, and distributing proceeds according to the trust terms. The grantor and trustee should coordinate with life insurance carriers to change ownership and beneficiary information. Periodic reviews ensure the ILIT remains aligned with changes in family circumstances and tax law.
Understanding common terms makes it easier to participate in trust planning and to communicate with trustees, financial advisors, and insurance professionals. This section defines frequently used words and phrases encountered during ILIT setup and administration, such as trustee, grantor, beneficiary, funding, and taxable estate. Clear definitions help prevent misunderstandings about who controls the policy, how gifts are made, and how proceeds will be handled after the insured’s death. Familiarity with these terms allows clients to make informed decisions about trust structure and coordination with other estate documents.
The grantor is the person who creates the trust and supplies the assets or directions that form the trust. In ILIT planning, the grantor is typically the owner of the life insurance policy or the individual who intends to provide that policy for the benefit of the trust’s beneficiaries. Once the grantor transfers ownership to the ILIT, the policy is removed from the grantor’s estate for estate tax purposes, although certain timing rules can affect that result. The grantor may name trustees and instruct how proceeds should be used, but cannot retain ownership rights inconsistent with an irrevocable transfer.
The trustee is the individual or institution charged with managing the trust’s assets and carrying out the terms of the trust. For an ILIT, duties include overseeing the life insurance policy, ensuring premium payments are made, collecting proceeds when due, investing trust funds prudently, and distributing assets to beneficiaries according to the grantor’s instructions. A trustee must keep detailed records and act in the beneficiaries’ best interests. Selecting a trustee who understands both insurance administration and trust responsibilities is important for smooth trust operation.
A beneficiary is a person or entity designated to receive benefits from the trust, such as the proceeds of a life insurance policy held in an ILIT. Beneficiaries can include spouses, children, grandchildren, charities, or other named individuals or organizations. The trust document can specify conditions for distribution, staggered payments, or uses of funds for education, healthcare, or ongoing support. Careful beneficiary designations and fallback provisions help ensure proceeds are distributed according to the grantor’s intentions and that beneficiaries are protected from creditors or poor financial choices where appropriate.
Funding an ILIT refers to the act of transferring a life insurance policy into the trust or arranging for the trust to purchase a policy and making premium payments on behalf of the trust. Funding can occur by assigning an existing policy to the trust, or by having the trust acquire a new policy with the trust as owner and beneficiary. When premium payments are made by a third party, such as the grantor, they often must be structured as gifts to the trust and may require gift tax reporting. Proper funding is essential to achieve the intended tax and estate planning outcomes.
Families should compare ILITs to alternatives such as keeping a policy in the estate, naming individual beneficiaries directly, or using revocable trusts for broader asset management. Policies owned by the estate may increase probate complexity and estate tax exposure, while beneficiary designations alone lack the structured control an ILIT provides. A revocable living trust can manage noninsurance assets and avoid probate, but it does not remove life insurance proceeds from the taxable estate unless combined with an ILIT. Each option has tradeoffs related to control, tax implications, and administrative requirements.
If life insurance coverage amounts are modest and beneficiaries are financially responsible adults, keeping the policy outside of a trust or using direct beneficiary designations may be appropriate. In such cases, families may not face significant estate tax exposure or complicated distribution issues. A limited approach can reduce administrative complexity and avoid the need to transfer existing policies or manage trust accounting. That said, it still helps to document intentions and confirm beneficiary designations to prevent disputes and ensure benefits pass as intended upon the insured’s death.
When life insurance is intended only to cover short-term liabilities such as a mortgage or temporary income replacement, placing the policy directly with an insurance beneficiary may be sufficient. Short-term coverage that will lapse or be replaced within a few years may not justify the permanence of an irrevocable trust. In these situations, families can reassess their planning as needs change and elect to create trusts later if long-term protections become necessary. Proper coordination with financial and tax advisors ensures that choices meet current objectives without unnecessary complexity.
When life insurance proceeds are substantial or the estate may approach thresholds that trigger estate tax obligations, a thorough ILIT strategy can be necessary to preserve family wealth and minimize tax exposure. A comprehensive plan considers timing of transfers, interactions with retirement accounts and revocable trusts, and how distributions will be handled for beneficiaries with differing needs. Planning at this level helps create predictable outcomes, avoid unintended tax consequences such as inclusion under federal rules, and coordinate insurance ownership within the broader estate plan.
Families with blended relationships, minor children, beneficiaries with disabilities, or creditor exposure often require tailored trust provisions to protect the intended inheritance. An ILIT can provide for staggered distributions, trustee discretion for health or education expenses, or provisions to preserve eligibility for public benefits for beneficiaries with special needs. Comprehensive planning also examines trustee succession, coordination with other trusts like special needs trusts, and mechanisms to adjust for changing family circumstances while honoring the grantor’s long-term objectives.
A comprehensive approach to ILIT planning integrates life insurance ownership with broader estate goals to provide clarity, tax efficiency, and tailored distribution rules. This holistic view aligns insurance proceeds with liquidity needs at death, debt settlement, and wealth transfer objectives. It also helps minimize probate administration for assets intended to pass directly to beneficiaries, and provides trustees with clear instructions for managing proceeds. By coordinating an ILIT with instruments such as pour-over wills and revocable living trusts, clients can realize a seamless plan that addresses both short-term and multi-generational concerns.
Beyond tax and probate considerations, a comprehensive plan provides peace of mind through documented decision-making and contingency provisions. Trustees are empowered to administer proceeds in a way that reflects the grantor’s priorities, and beneficiaries benefit from a predictable framework for distributions. Comprehensive planning also anticipates changes in family circumstances or laws, incorporating review mechanisms and amendment strategies to keep the plan effective. This proactive stance reduces the likelihood of disputes and preserves the intended legacy across multiple generations.
One primary benefit of placing life insurance into an ILIT is the potential to remove proceeds from the insured’s taxable estate, which can reduce estate tax exposure and preserve wealth for beneficiaries. Additionally, ILIT proceeds provide immediate liquidity at death, enabling trustees and family members to pay taxes, settle debts, and cover final expenses without forced asset sales. Having those funds readily available stabilizes the estate administration process and supports smoother transitions for surviving family members while preserving other estate assets for long‑term goals.
An ILIT allows the grantor to set precise terms for distributions, offering protections for beneficiaries who are minors, have special needs, or may face creditor claims. The trust can direct staggered payments, require distributions for specific purposes like education or healthcare, or give trustees discretionary authority to make distributions prudently. These mechanisms help ensure proceeds are used in ways that align with the grantor’s intentions and provide long‑term support rather than one‑time windfalls that could be misused or lost to liabilities.
Confirm that the trust is properly named as the policy owner and beneficiary and that insurance carrier forms reflect the transfer. Mismatched designations or incomplete documentation can lead to delays or disputes at the time of claim. Keep written records of the transfer and any gift payments for premiums. When transferring existing policies consider the federal three‑year rule and consult about timing to ensure the trust accomplishes the intended estate planning benefit while minimizing unintended tax consequences.
Life insurance policies and family circumstances can change over time, so periodic reviews help ensure the ILIT remains aligned with goals. Check policy performance, premium affordability, and the trustee’s ability to administer the trust. Update trustee succession, beneficiary provisions, and related estate documents like wills and revocable living trusts to preserve coordination across the plan. Conducting a review every few years or after major life events—such as marriage, divorce, or the birth of a child—helps prevent unintended outcomes and maintains a stable legacy plan.
Residents who hold meaningful life insurance coverage, face potential estate tax exposure, or want to protect proceeds for specific beneficiaries often find an ILIT to be an effective planning tool. An ILIT provides a structured method for excluding proceeds from the taxable estate, offering liquidity for estate administration as well as controlled distributions for heirs. It can be particularly useful for homeowners with outstanding mortgages, business owners seeking to provide continuity funding, or families focused on passing wealth to future generations without probate delays.
An ILIT may also benefit those with beneficiaries who require protection from creditors or who might otherwise lose eligibility for public benefits without proper trust structures in place. By specifying distribution terms and appointing a trustee to oversee funds, grantors create a predictable administration process that reduces the likelihood of conflict. Coordination with other estate documents, such as pour‑over wills or revocable living trusts, helps ensure all assets work together to meet family objectives and minimizes gaps in the overall plan.
Typical scenarios include large life insurance policies intended to cover estate taxes or business succession obligations, protection for minor children or beneficiaries with special needs, and the desire to provide a tax‑efficient inheritance to multiple generations. Families with sizable retirement accounts, real estate holdings, or ongoing business interests may seek an ILIT to ensure that life insurance proceeds are available for liquidity without increasing estate settlement complexity. Each circumstance calls for individualized planning to align trust terms with broader estate objectives.
When insurance policy proceeds are likely to increase the total value of an estate to the point where estate taxes become a concern, an ILIT can remove those proceeds from the taxable estate if properly funded and timed. This planning reduces the risk of forced asset sales to pay taxes and preserves wealth for heirs. Coordination with other wealth transfer strategies is important to determine whether an ILIT is the most effective vehicle and to ensure that transfers and premium gifts comply with tax rules and reporting requirements.
Life insurance in an ILIT offers ready liquidity at death to settle debts, pay final expenses, and cover taxes so that other estate assets remain intact. This helps heirs avoid premature liquidation of property or business assets. For owners of closely held businesses or those with illiquid real estate, having liquid funds available through an ILIT can facilitate orderly transitions and maintain value in family enterprises. Drafting the trust to address specific liquidity needs ensures that proceeds are used as intended while preserving legacy assets.
An ILIT can be structured to protect beneficiaries who face creditor exposure or who rely on public benefits by controlling distributions and limiting their direct control over proceeds. When combined with other trust vehicles, an ILIT helps preserve eligibility for means‑tested benefits and shields assets from creditors or legal claims. The trust’s distribution rules and trustee powers play a central role in achieving these objectives, so careful drafting and regular reviews are essential to maintain protections under changing circumstances.
The Law Offices of Robert P. Bergman are available to assist residents of Winnetka and the surrounding Los Angeles County communities with ILIT planning and related estate matters. We offer thorough document preparation, coordination with insurance carriers, and trustee guidance to help clients implement durable solutions that reflect their goals. From initial consultations to post‑death administration support, our approach emphasizes clear communication, practical recommendations, and careful recordkeeping so families can feel confident that their planning is positioned to meet current needs and future changes.
Clients choose the Law Offices of Robert P. Bergman for practical guidance when planning ILITs and other estate arrangements because we focus on clear documentation and proactive coordination with trustees, beneficiaries, and financial advisors. Our firm assists with drafting trust instruments, transferring policy ownership, and preparing the notices and gift records necessary for premium funding. We work to anticipate the operational steps trustees will face, simplifying administration and helping avoid common pitfalls that can frustrate beneficiaries or delay claim payments.
We emphasize personalized planning tailored to each family’s circumstances. That includes reviewing existing estate documents, suggesting appropriate trust provisions to address minor beneficiaries or creditor concerns, and coordinating with insurance carriers to ensure policy changeovers are recognized. Our practical approach to communications helps trustees and family members understand their responsibilities, and we remain available to assist with trustee actions, tax filings, and distributions when the trust is called upon to act.
Our team also assists with periodic reviews to confirm that the ILIT remains effective in light of changes to law, family dynamics, or insurance performance. Regular reviews allow for adjustments where permitted and help maintain alignment between the trust and broader estate plans such as revocable living trusts, pour‑over wills, and other legacy planning tools. We aim to provide durable solutions that preserve family intentions and reduce administrative burdens for trustees and heirs.
Our process begins with a detailed intake to understand your goals, family situation, and current insurance holdings. We review existing estate documents and insurance policies, recommend appropriate trust provisions, prepare the ILIT instrument, and coordinate ownership and beneficiary changes with carriers. We provide guidance on premium gifting and document retention and prepare any necessary notices to beneficiaries. After the trust is in place we remain available for trustee support, claim administration guidance, and periodic reviews to keep the trust aligned with evolving needs.
The first step is a focused consultation to identify objectives, review existing policies and estate documents, and evaluate how an ILIT may interact with your overall plan. During this meeting we discuss owner and beneficiary designations, timing concerns such as the three‑year lookback rule, and strategies for funding premiums. We gather the information needed to draft a trust tailored to your goals and provide a clear roadmap of next steps, including coordination with insurance carriers and any required trust funding procedures.
Collecting accurate information about life insurance policies, account ownership, and existing estate planning documents is essential for drafting an ILIT that functions as intended. This includes policy numbers, carrier contact details, current owner and beneficiary designations, and beneficiary ages. We also review retirement plan designations and other assets that may affect estate liquidity. Having complete records upfront reduces delays when communicating with insurers and facilitates a seamless transition of policy ownership to the trust when appropriate.
We analyze whether to transfer an existing policy into the trust or to have the trust acquire a new policy, considering timing and tax implications. Transfers of existing policies may trigger the federal three‑year inclusion rule, so careful planning is required to achieve estate exclusion. We also discuss premium funding by the grantor, potential gift tax considerations, and whether beneficiary withdrawal rights should be used to qualify gifts for annual exclusions. These decisions are documented and coordinated with trustees and insurers.
Once the strategy is agreed upon, we draft the trust instrument to reflect distribution terms, trustee powers, successor trustee provisions, and any special purpose provisions such as education or special needs protections. We prepare the necessary assignment forms, coordinate with the insurance carrier to change ownership and beneficiary designations, and document premium gifts. Accurate records and formal notices, such as Crummey notices when used, are prepared so the trust is properly funded and positioned to receive proceeds at the appropriate time.
The finalized trust will specify who serves as trustee and successor trustees, outline distribution standards, and set out the trustee’s powers to manage the policy and trust assets. We provide copies to the trustee and beneficiaries as appropriate and ensure that the trustee understands reporting and recordkeeping obligations. By clarifying trustee duties and succession plans up front, the trust reduces the likelihood of administrative confusion at the time of claim and supports efficient distributions.
We coordinate the formal transfer of policy ownership to the trust or the trust’s purchase of a new policy, working directly with carriers to update records. If the grantor will provide gifts for premium payments, we prepare documentation to evidence those gifts and any beneficiary notices required to preserve gift tax treatment. Ensuring proper execution and careful recordkeeping at this stage helps establish the trust’s position and prevents future disputes regarding ownership or payment history.
After the trust is executed and funded, we remain available to assist trustees with administration, including collecting proceeds, filing trust tax returns if required, and making distributions according to the trust terms. We can help trustees obtain a Certification of Trust, interact with financial institutions, and resolve any carrier questions that arise during a claim. Ongoing support includes periodic reviews to ensure the trust continues to meet objectives and to address changes in family circumstances or relevant law.
When a life insurance claim arises, trustees often need assistance in presenting trust documents, completing carrier forms, and managing timing of distributions to beneficiaries. We help trustees understand how to present a Certification of Trust, confirm beneficiary designations, and follow the trust’s instructions for investing and distributing proceeds. Clear guidance at this stage helps prevent processing delays and ensures that proceeds are used in accordance with the grantor’s wishes while meeting immediate estate needs like funeral expenses and taxes.
Periodic review sessions allow us to confirm that the ILIT remains effective and that policy performance and premium funding remain appropriate. Reviews can identify needed updates to trustee succession, clarify beneficiary provisions, and coordinate changes across the broader estate plan. Should changes be necessary, we advise on permissible modifications or complementary planning tools to address new circumstances while preserving the trust’s intent and legal effectiveness under current California and federal rules.
An Irrevocable Life Insurance Trust is a trust that owns and controls a life insurance policy so that the policy proceeds are payable to the trust rather than the insured’s probate estate. The trust document sets forth who the beneficiaries are, how proceeds are to be managed, and the powers of the trustee. Because ownership rights are transferred out of the insured’s name, the proceeds can be excluded from the taxable estate if the transfer is completed outside the relevant lookback period and otherwise complies with tax rules. Setting up an ILIT involves drafting the trust instrument, changing the policy owner and beneficiary to the trust, and documenting premium gifts if the grantor or another person will fund premiums. Trustees then administer the policy and trust funds in accordance with the trust terms. Coordination with insurance carriers and clear recordkeeping are important to avoiding delays when a claim is presented and to maintaining the intended estate planning benefits.
Transferring an existing policy into an ILIT can have gift tax implications because the transfer is treated as a gift to the trust’s beneficiaries. However, many transfers are structured using annual gift tax exclusions and withdrawal powers to qualify as present interest gifts. In addition, federal law includes a three‑year lookback rule under which a transfer within three years of death may cause proceeds to be included in the insured’s taxable estate. Timing and proper gift documentation are therefore key considerations. If the trust is the original owner of the policy or if the transfer is planned well in advance, estate inclusion can often be avoided. Each situation calls for review of available exclusions and coordination with tax advisors to ensure that transfers and premium funding are handled in a manner that aligns with the grantor’s financial and estate objectives while complying with federal and California rules.
Premium payments to an ILIT are often made by the grantor as gifts to the trust, which then uses those funds to pay insurance premiums. To qualify for the annual gift tax exclusion, beneficiaries typically must have a present interest in the gift; one common technique is to grant beneficiaries short withdrawal rights for a limited period, commonly referred to as Crummey powers. Those powers must be properly documented and beneficiaries must receive timely notice to preserve exclusion treatment. Trustees should maintain receipts and gift records to evidence premium funding, and grantors should be mindful of how much they gift annually. Proper administration of these payments and notices helps maintain the intended tax benefits and ensures that the trust can continue to pay premiums and preserve policy coverage over time.
A trustee can be an individual, a professional fiduciary, or a corporate trustee, and should be someone capable of managing insurance policies, keeping records, and following the trust’s distribution standards. Trustee duties include ensuring premium payments are made, communicating with beneficiaries, obtaining a Certification of Trust for carriers, collecting proceeds when claims arise, investing trust assets prudently, and distributing funds in accordance with the trust terms. A trustee must act in the best interest of beneficiaries and maintain careful documentation. When choosing a trustee, consider availability, familiarity with financial matters, and impartiality when family dynamics are complex. Successor trustee provisions should be included to avoid administrative gaps. The firm assists clients in drafting clear trustee powers and succession plans to support effective administration when the trustee must act.
By definition, an ILIT is irrevocable and cannot be changed in the same way a revocable trust can. However, there are limited options to address changed circumstances depending on the trust language and applicable law. Techniques can include trustee decanting if permitted, using reserved powers included at creation, or creating complementary planning documents. In certain circumstances family members can consent to modifications, and court petitions are available when permitted by law to reform a trust to reflect the grantor’s intent. Because options for later modification can be limited, careful drafting at the outset and periodic review are recommended. When significant changes are anticipated, discuss potential mechanisms at the time of creation so the trust incorporates appropriate flexibilities that are legally permissible under California law.
An ILIT is typically part of a larger estate plan and should be coordinated with wills, revocable living trusts, retirement account beneficiary designations, powers of attorney, and healthcare directives. For example, a pour‑over will can transfer assets into a revocable trust upon death, while an ILIT specifically handles insurance proceeds. Coordination avoids conflicts and ensures that distributions from different sources work together to meet family needs and tax objectives. During planning we review all estate documents to ensure beneficiary designations and ownership structures align. This prevents unintended outcomes such as duplicate beneficiary designations or policies that remain in the estate. A coordinated plan reduces administrative burden for trustees and family members and supports a smoother transition after the insured’s death.
If a policy is transferred into an ILIT within three years of the insured’s death, federal rules may bring the proceeds back into the insured’s taxable estate for estate tax purposes. This three‑year lookback period can undermine the estate exclusion objective of the ILIT, so transfers must be timed carefully. If estate tax exclusion is a primary goal, planning should account for this timing and consider alternatives if a transfer is needed on short notice. When transfers occur within the lookback period, other planning tools may be considered to mitigate tax exposure, and professional guidance will help evaluate available strategies. It is important to document the timing of transfers and any subsequent planning steps so the estate administration process clearly reflects the grantor’s intent and compliance with relevant rules.
Beneficiaries receive proceeds held by the ILIT according to the trust’s distribution provisions. The trustee is responsible for collecting proceeds from the carrier, investing trust funds prudently, and making distributions based on the grantor’s instructions, which may be immediate lump sums, staggered payments, or payments for particular needs such as education or healthcare. Trustees must follow the document’s terms and maintain records of disbursements to beneficiaries. The trust can also restrict distributions to protect beneficiaries from creditors or to preserve means‑tested benefits. Beneficiaries should be informed about the trust terms so they understand the timing and conditions of distributions. Trustees may seek guidance on investment and tax matters to manage trust assets effectively while fulfilling fiduciary duties.
Maintaining an ILIT can involve administrative costs including trustee fees, accounting or tax preparation fees if returns are required, and recordkeeping expenses. If a corporate trustee is chosen, institutional fees may apply for ongoing administration. For simpler trusts administered by a trusted family member, costs may be limited to professional assistance for tax filings and occasional legal help. Budgeting for these costs helps ensure premium payments and administrative obligations are met without creating undue financial strain on the trust. When drafting the trust, consider provisions for paying trustee fees and administrative expenses from the trust assets. Clear documentation of who will handle routine tasks and how costs will be covered helps prevent disputes and ensures the trustee has the resources needed to fulfill their duties effectively at the time of a claim.
To begin creating an ILIT in Winnetka, schedule an initial consultation to discuss your goals, review existing insurance policies, and evaluate how a trust fits within your overall estate plan. Gather policy information, beneficiary designations, and relevant estate documents to facilitate a productive meeting. We will outline funding options, timing considerations, and draft a trust instrument tailored to your needs while coordinating with your insurance carrier and financial advisors. After the plan is agreed upon we prepare the trust document, assist with ownership and beneficiary changes, and provide guidance on premium funding and required notices. Ongoing support for trustees and periodic reviews are available to ensure the ILIT continues to meet your family’s objectives as circumstances evolve.
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