An Irrevocable Life Insurance Trust (ILIT) can be an important part of a thoughtful estate plan for residents of Inverness and Marin County. This page explains how an ILIT works, why people consider it for wealth transfer and estate tax management, and how it interacts with other estate planning documents such as a revocable living trust, pour-over will, and powers of attorney. The goal here is to provide clear, practical information so you can make informed decisions about whether an ILIT fits within your overall plan and family goals in California, with attention to local considerations.
Choosing whether to place a life insurance policy in an ILIT depends on many personal and financial factors, including the size of the policy, objectives for the proceeds, and how you want benefits handled for beneficiaries. An ILIT can accomplish transfer goals while keeping proceeds outside of a taxable estate, and it can be combined with other documents like a certification of trust and a general assignment of assets to trust to create coordinated outcomes. This overview aims to demystify the process and outline what an Inverness resident should consider when planning for heirs and liquidity needs.
An ILIT can provide controlled, tax-aware distribution of life insurance proceeds, protect benefits from probate delays, and help preserve value for your intended beneficiaries. For households concerned about estate tax exposure, creditor protection for beneficiaries, or ensuring that funds are used for specific purposes such as education or care of a loved one with special needs, an ILIT offers mechanisms to accomplish those goals. In the Inverness and Marin County context, an ILIT can be tailored to local family dynamics while coordinating with other documents like a pour-over will and retirement plan trust to form a cohesive plan.
The Law Offices of Robert P. Bergman assists California clients with estate planning strategies, including trusts and lifetime planning tools that align with family priorities. Our approach emphasizes clear communication, careful document drafting, and coordination of trusts with related documents such as health care directives, powers of attorney, and guardianship nominations. We work to explain practical options for preserving wealth and ensuring efficient distribution, focusing on what matters to each client in Inverness and throughout Marin County, and providing thorough guidance on trust administration and funding steps.
An ILIT is a trust that owns a life insurance policy and is structured so that policy proceeds are held outside of your taxable estate. By placing an existing policy or purchasing a policy through the trust, the trust becomes the owner and beneficiary of the policy. This arrangement can reduce potential estate tax exposure and help ensure beneficiaries receive proceeds under the terms you set. For Inverness residents weighing this option, understanding how ownership, premium payments, and trust terms interact is essential to achieving your planning goals and avoiding unintended tax consequences in California.
Funding an ILIT typically involves either assigning an existing policy to the trust or having the trust acquire a new policy. Grantors often make annual gifts to trust beneficiaries or to the trustee to cover premiums, and those gifts may qualify for annual gift tax exclusions when handled properly. Proper trust drafting also addresses distribution timing, contingent beneficiaries, and administration instructions. Because each family’s objectives differ, an ILIT must be tailored to fit client circumstances while coordinating with a larger estate plan that may include revocable trusts, pour-over wills, and health care directives.
An ILIT is an irrevocable trust that owns one or more life insurance policies and directs how proceeds will be managed and distributed after the insured’s death. The trust becomes the legal owner of the policy, and the trustee is responsible for premium payments, policy maintenance, and eventual distribution according to the trust terms. Because the grantor gives up ownership rights, the policy proceeds generally are not includable in the grantor’s estate for estate tax purposes, subject to timing rules. Careful drafting and administration are needed to ensure the intended tax and distribution outcomes in California law.
Important elements of an ILIT include the trust document language, trustee selection, beneficiary designations, instructions for premium funding, and rules for distributions. Administrative processes involve transferring or issuing policies in the trust’s name, making gifts to cover premiums, tracking gift tax implications, and maintaining records to show the trust’s ownership. Trustees must follow the trust terms to manage proceeds, which can include holding funds for specific needs, making staggered distributions, or funding other trusts for beneficiaries. Consistent administration is essential to preserve the intended tax and control benefits.
This glossary explains terms you will encounter when considering an ILIT, including ownership transfer, Crummey withdrawal powers, estate inclusion rules, and trustee duties. Understanding these concepts helps you evaluate how an ILIT interacts with other estate planning documents and the potential tax and practical consequences. Clear definitions also help you discuss specific drafting choices, such as whether to grant beneficiaries limited withdrawal rights or to specify income-only distributions for a period. Familiarity with these terms supports informed decisions tailored to an Inverness family’s objectives.
The grantor is the person who creates and funds the trust by transferring assets or arranging for the trust to own a life insurance policy. When the grantor places a life insurance policy into an ILIT, they surrender ownership and certain control over the policy in order to achieve estate planning objectives. The grantor’s choices about funding, trust terms, and beneficiary designations shape how the trust functions and how proceeds are distributed. Careful planning ensures the grantor’s intentions are reflected in the trust document while aligning with California legal and tax considerations.
The trustee is the individual or institution responsible for administering the ILIT in accordance with its terms. Duties include holding and managing policy assets, paying premiums if the trust owns the policy, making distributions to beneficiaries as directed, and maintaining records. Trustee selection is important because the trustee’s decisions affect how and when beneficiaries receive funds, and how the trust remains compliant with applicable law. Choosing a trustee who understands the objectives and the administrative responsibilities of an ILIT helps promote predictable outcomes for heirs and beneficiaries.
A Crummey withdrawal right is a limited, time-sensitive ability given to beneficiaries to withdraw contributions to the trust so that those contributions qualify for the gift tax annual exclusion. Implementing Crummey powers typically means notifying beneficiaries of their withdrawal window and documenting that process. While most beneficiaries do not exercise these rights, their presence can help ensure that premium payments or gifts to the trust receive favorable gift tax treatment. Proper implementation involves careful drafting and record-keeping to align with federal and California rules.
Estate inclusion rules determine whether life insurance proceeds are included in the insured’s gross estate for estate tax purposes. Generally, proceeds are excluded when the policy is owned by an ILIT and the grantor has relinquished ownership more than three years before death. However, specific transfer and timing rules can cause inclusion if not observed. Understanding these rules helps structure an ILIT so that proceeds remain outside the taxable estate, while accomplishing intended distribution and creditor protection results for beneficiaries in California.
An ILIT should be evaluated against options such as keeping a policy in your revocable trust, outright beneficiary designations, or other trusts like a retirement plan trust or special needs trust. Each option has trade-offs with respect to control, probate avoidance, estate tax treatment, and administrative complexity. An ILIT offers specific benefits in removing insurance proceeds from the taxable estate and directing use of funds, while other choices may be simpler but provide less control. For Inverness residents, the best path depends on family goals, asset mix, and the desired balance between simplicity and tailored protection.
If a life insurance policy is modest in value and estate tax exposure appears unlikely based on current assets and projected growth, the administrative costs of an ILIT may outweigh its benefits. In such cases, maintaining the policy within a revocable trust or using direct beneficiary designations can offer streamlined outcomes without the complexity of trust administration. Considerations include how easily beneficiaries can access proceeds and whether additional controls or distribution restrictions are necessary for your family’s situation in Inverness and nearby communities.
Some families prioritize a straightforward plan that minimizes annual administration and trustee responsibilities. When that preference outweighs goals like estate tax mitigation or compelling distribution controls, simpler arrangements may fit better. Simpler plans reduce paperwork and avoid potential pitfalls like gift documentation or Crummey notices. For residents who prefer minimal ongoing management and who do not foresee large estate tax exposure, a limited approach can achieve practical benefits while preserving liquidity for survivors without the added steps associated with an ILIT.
A comprehensive ILIT strategy is often appropriate when estate size or family circumstances suggest potential estate tax exposure or when you want to restrict how insurance proceeds are used. This includes protecting inheritances from creditors, preserving benefits for a beneficiary with special needs without jeopardizing public benefits, or creating long-term funding structures such as education or care provisions. For Inverness residents with substantial assets or complex family situations, a carefully drafted ILIT can serve as a cornerstone of durable, closely aligned planning.
Comprehensive planning becomes important when you need an ILIT to work in concert with other trusts like a revocable living trust, irrevocable life insurance trust, retirement plan trust, or special needs trust. Coordination ensures that distributions, beneficiary designations, and successor trustee roles operate in harmony and support broader legacy goals such as generational wealth transfer or charitable giving. Proper drafting prevents conflicting instructions and helps administer proceeds efficiently, which is especially valuable for families with multiple trusts and long-term distribution plans.
A comprehensive approach aligns the ILIT with your broader estate plan so proceeds support intended outcomes, such as paying estate expenses, supplementing a survivor’s income, or funding a trust for beneficiaries with special needs. It reduces the risk of unintended tax inclusion and helps preserve value for heirs. Clear coordination with documents like HIPAA authorizations, advance health care directives, and powers of attorney ensures the plan works smoothly across life events, offering continuity and clearer administration during difficult times for family members in Inverness.
Integrated planning also addresses practical considerations such as funding the ILIT, documenting gifts for premium payments, and selecting trustees and successor beneficiaries. By attending to these details up front, families can avoid disputes and ensure that the insurance proceeds fulfill their intended purpose. A thoughtful approach promotes predictability in distribution timing and reduces the administrative burden on survivors, while aligning the ILIT with other elements of your estate plan for consistent results over time.
When structured and administered correctly, an ILIT can help keep life insurance proceeds out of the grantor’s taxable estate, potentially reducing estate tax exposure, and avoiding the delays and public nature of probate for those proceeds. This provides liquidity to pay debts and taxes without needing to liquidate other assets. For families who want privacy and efficient distribution upon death, an ILIT can be an effective mechanism to transfer policy benefits directly to the trust for supervised distribution to beneficiaries.
An ILIT allows the grantor to set terms that govern how and when beneficiaries receive funds, which can include staged distributions, spendthrift provisions, or funding other needs-based trusts. These provisions help protect assets from creditors and can preserve public benefits for a beneficiary with limited resources. By establishing clear direction in the ILIT, grantors provide a framework that supports the family’s long-term financial stability and protects legacy interests according to the grantor’s wishes.
Timing matters when transferring a life insurance policy into an ILIT because transfers made shortly before death may fall within estate inclusion rules. To preserve the intended tax treatment, confirm that transfers are completed and that any necessary waiting periods are observed under federal rules. Documenting the transfer clearly and ensuring the trust is properly funded for premium payments will help avoid unintended consequences. This planning step protects your objectives for distributing policy proceeds to beneficiaries and supports a smoother administration post-death.
An ILIT should not be created in isolation; it should coordinate with your revocable living trust, pour-over will, powers of attorney, and health care directives. Doing so prevents conflicting instructions and clarifies the roles of trustees and successor fiduciaries. Review beneficiary designations on retirement accounts and policies to ensure consistency and consider how proceeds may interact with trusts like special needs or retirement plan trusts. Regular reviews maintain alignment with changing family and financial circumstances in Marin County.
Individuals consider an ILIT when they want to remove life insurance proceeds from their taxable estate, provide controlled distributions, or protect proceeds from probate and creditor claims. It can be particularly valuable for those with substantial life insurance policies, blended family considerations, or beneficiaries who would benefit from oversight and structured payouts. By addressing these objectives proactively, an ILIT can provide clarity and stability for heirs and reduce the administrative burden that survivors would otherwise face during a difficult time.
Additional reasons to consider an ILIT include funding liquidity needs for estate settlement, protecting assets for beneficiaries with special circumstances, and aligning life insurance distributions with long-term legacy goals. ILITs can be paired with trusts that handle retirement assets, special needs, or charitable intentions to achieve a comprehensive plan. For clients in Inverness and across Marin County, considering an ILIT is part of a larger conversation about how best to preserve family wealth and ensure orderly, protected transfers to the next generation.
Typical circumstances include owning a large life insurance policy that could cause estate tax concerns, wanting to control distributions to beneficiaries who may be young or vulnerable, needing to preserve eligibility for means-tested benefits for a beneficiary, or desiring to leave a legacy gift to family or charity. People also use ILITs to provide liquidity for estate settlement costs and to coordinate closely with other trusts. These scenarios prompt families to explore how an ILIT might achieve long-term goals and protect assets in California.
When life insurance holdings are large relative to the rest of an estate, placing a policy in an ILIT can be a tool to manage potential estate tax exposure and protect value for beneficiaries. This option helps separate the insurance proceeds from estate inclusion in many cases, provided transfers and timing follow applicable rules. For individuals in Marin County evaluating how to preserve capital across generations, an ILIT can provide a predictable framework for directing proceeds to intended recipients outside the probate process.
An ILIT can be structured to fund a special needs trust or provide resources that supplement public benefits without disqualifying a beneficiary from means-tested programs. Careful drafting determines how distributions are made and whether funds are directed to a separate trust for a beneficiary with disabilities. This strategy helps ensure that life insurance proceeds enhance the beneficiary’s quality of life while preserving eligibility for necessary public assistance programs in California, consistent with individual circumstances and legal requirements.
Life insurance proceeds held in an ILIT can offer immediate liquidity for estate settlement costs, taxes, or debts, reducing the need to sell assets such as real estate or business interests. Having readily available funds eases the administrative burden on survivors and preserves long-term assets for beneficiaries. For families with illiquid holdings or closely held property in the Inverness area, this access to cash can be a practical advantage during estate administration and settlement.
The Law Offices of Robert P. Bergman provide guidance to Inverness clients on ILIT formation, funding, and trustee responsibilities, along with coordination among related estate planning documents. We focus on helping clients identify planning goals, document their wishes effectively, and implement structures that support those goals while complying with applicable law. Whether you are establishing an ILIT, transferring an existing policy, or reviewing how a trust interacts with a broader plan, local insight into California regulations and practical administration helps ensure clearer outcomes for families.
Our firm emphasizes a practical, client-centered approach to ILITs and estate planning. We take time to understand personal goals, family circumstances, and financial details so the trust terms align with your intentions. Clear drafting, attention to funding and gifting details, and coordination with other estate documents are central to our services. For clients in Inverness and across Marin County, we strive to make the process understandable and manageable, with careful attention to administration and long-term outcomes.
We help clients evaluate whether an ILIT is the right tool, explain the implications of transfers and gifts, and prepare the required notices and records to support desired tax treatment. Our approach includes practical guidance about trustee selection, documentation practices, and integration with powers of attorney and health care directives. The result is an ILIT structured to reflect your values and objectives while addressing administrative realities and legal considerations.
Clients benefit from a clear roadmap for implementation, including steps to transfer or fund policies, coordinate beneficiary designations, and prepare any associated trust documents such as certifications of trust or general assignments of assets. We aim to reduce uncertainty and provide actionable next steps so families can move forward with confidence. If changes in circumstances occur, we also guide trustee actions and modifications to maintain alignment with long-term planning goals.
Our process for ILIT formation begins with a detailed intake to identify objectives, review existing policies and beneficiary designations, and determine funding strategies. We draft trust documents tailored to your requirements, prepare transfer paperwork, and advise on premium funding and gift documentation. Once the ILIT is in place, we provide guidance on trustee responsibilities, record-keeping, and coordination with other estate documents to ensure the trust fulfills its intended role in your overall plan for estate management and beneficiary protection in California.
Step one involves reviewing your current financial and estate planning documents, identifying life insurance policies to be included or transferred, and discussing desired beneficiary outcomes. We evaluate whether an ILIT is suitable given your assets, family needs, and goals. This phase includes assessing interactions with other instruments such as revocable living trusts, powers of attorney, and advance health care directives to ensure everything works together as part of an integrated plan tailored for Inverness clients.
During the initial stage we collect copies of life insurance policies, beneficiary designations, trust documents, and relevant financial statements. This information helps determine whether a transfer is necessary, whether the trust should purchase a new policy, and how premium payments will be handled. Accurate documentation and clarity about current policy ownership and beneficiary designations are important to avoid surprises and to ensure the ILIT is structured to deliver intended outcomes for family members.
We discuss specific distribution instructions, timing preferences, and any protections needed for beneficiaries, such as spendthrift provisions or funding a special needs trust. These conversations shape trust provisions, trustee powers, and mechanisms for making gifts to cover premiums. Establishing these parameters early ensures trust drafting accurately reflects your intentions and anticipates common administration issues, which leads to clearer, more enforceable trust terms for future administration.
After initial planning, we draft the ILIT document and related instruments, prepare policy transfer or purchase documents, and outline the steps for funding the trust. Implementation includes executing the trust, transferring policies into the trust’s name when appropriate, and documenting any gifts to pay premiums. We coordinate with trustees and financial providers to ensure ownership changes are processed correctly and that notices or other administrative steps occur in a timely manner.
This part of the process includes signing the trust agreement, completing assignments if an existing policy is being transferred, and changing ownership and beneficiary designations where necessary. Proper execution and record-keeping are essential to effect the intended legal and tax outcomes. We ensure the paperwork filed with insurers and trustees reflects the trust’s terms and that the documentation trail supports the trust’s funding and administration.
We advise on how to structure gifts to the trust to cover premiums, including whether to use annual exclusion gifts and how to document Crummey withdrawal notices if included. Proper record-keeping helps preserve favorable tax treatment and demonstrates compliance with the chosen funding approach. Trustees should maintain clear records of deposits, notices, and any beneficiary actions to support the trust’s administration and the grantor’s objectives.
Once the ILIT is funded and active, ongoing administration includes paying premiums, maintaining communication with beneficiaries, and preserving records. Periodic reviews ensure the ILIT remains aligned with changing family circumstances and changes in law or policy. Trustees should follow the trust terms carefully when making distributions or investments, and grantors should periodically revisit estate plans to confirm that the ILIT and other documents continue to meet their goals in Inverness and California.
Trustees have a duty to follow the trust’s instructions, manage premiums and any trust assets prudently, and keep detailed records of all transactions. Accurate bookkeeping and transparent reporting to beneficiaries help prevent disputes and support smooth administration. Trustees should also retain copies of notices, gift documentation, and insurance policy records to demonstrate compliance with the trust’s funding and tax-related requirements.
Regular reviews of the ILIT and related estate documents ensure that changes in family dynamics, financial circumstances, or tax law do not undermine your plan. While the trust itself is irrevocable, associated arrangements such as funding strategies and beneficiary designations on non-trust assets merit periodic attention. Revisiting the plan helps coordinate new assets or policy changes and confirms the trust continues to reflect your intended legacy and protection objectives in California.
An Irrevocable Life Insurance Trust is a trust that owns one or more life insurance policies and directs how policy proceeds will be held and distributed after the insured’s death. By placing a policy into an ILIT, the grantor generally relinquishes ownership so that proceeds are not included in the grantor’s estate for estate tax purposes, subject to certain timing rules. The trust’s terms specify beneficiary distributions, trustee powers, and administrative processes to align proceeds with the grantor’s goals for heirs and legacy planning. People use an ILIT to achieve specific objectives such as keeping life insurance proceeds out of probate, providing controlled distributions for beneficiaries, and creating a vehicle to fund other trusts or obligations. The ILIT’s structure can include spendthrift provisions, staged distributions, or directions to fund a special needs trust. Because an ILIT is irrevocable, careful planning and coordination with other estate documents are important to ensure the trust supports your long-term intentions in California.
Transferring a policy into an ILIT can remove the death benefit from the grantor’s taxable estate when the transfer is completed and the grantor survives a required period, typically more than three years for certain transfers. This treatment helps reduce potential estate tax exposure for larger estates, but timing and the nature of the transfer must meet legal requirements to avoid inclusion. Proper drafting and documentation help ensure that the transfer achieves the intended tax outcome under federal rules while aligning with state considerations. It is also important to plan funding for ongoing premiums and to document any gifts made to the trust to cover those premiums. If gifts are used to pay premiums, they may require specific notice procedures and record-keeping to qualify for annual gift tax exclusions. Administratively, careful record-keeping and adherence to notice requirements are part of preserving favorable tax treatment, and these steps should be understood as part of the overall ILIT strategy.
Crummey withdrawal rights are limited withdrawal periods granted to trust beneficiaries that allow gifts to the trust to qualify for the annual gift tax exclusion. The mechanism typically involves giving beneficiaries a short window to withdraw a portion of the gift, with notice provided to beneficiaries each year. Although beneficiaries rarely exercise these rights, their existence helps the gifts meet exclusion rules and supports the trust’s premium funding without triggering gift tax consequences. Implementing Crummey powers requires careful notice procedures and record-keeping so the trust can demonstrate compliance with the annual exclusion criteria. Trustees should document notices and beneficiary responses, and the trust language should be clear about the scope and timing of withdrawal rights. Including Crummey provisions is a common administrative tool used to facilitate premium funding while preserving beneficial tax treatment for the grantor and the trust.
An ILIT can be used to provide resources for a beneficiary who receives public benefits while protecting eligibility for means-tested programs. One approach is for the ILIT to fund a separate special needs trust or to include provisions that direct distributions in a way that supplements, rather than replaces, public benefits. The trust terms must be carefully tailored so distributions do not count as resources that would jeopardize benefit eligibility, and the structure should be coordinated with benefit rules specific to the recipient’s situation. Because public benefit rules can be complex and vary by program, it is important to plan with an understanding of how trust distributions will interact with benefits. Drafting language that clearly states the intent to supplement benefits and selecting appropriate trust administrators helps preserve eligibility while providing meaningful financial support. Coordination with a trusted advisor familiar with benefits planning ensures the trust is drafted to achieve the intended protective results.
Selecting a trustee involves balancing trust administration skills, impartiality, and the ability to follow the grantor’s directions. A trustee may be a trusted family member, friend, or a professional fiduciary, depending on the responsibilities expected and the complexity of the trust. The trustee will handle premium payments, maintain records, and follow distribution provisions, so the choice should reflect reliability and an understanding of the administrative duties involved in ILIT management. Trustee selection also includes naming successor trustees to ensure continuity. When a family member serves as trustee, consider whether additional co-trustees or professional trustees might assist with administrative or investment matters. Clear trustee guidance in the trust document and open communication with beneficiaries help ensure consistent administration and reduce the risk of disputes after the grantor’s death.
Premiums for a policy owned by an ILIT are typically paid by gifts from the grantor to the trust or by assets already held in the trust. When the grantor provides funds each year to cover premiums, the gifts may qualify for the annual gift tax exclusion if Crummey withdrawal rights or other mechanisms are properly implemented. Trustees should maintain clear records of gift notices and payment histories to support the chosen funding approach and any tax positions taken. Alternative funding methods include transferring cash or other assets into the trust initially or using trust-owned investments to generate funds for premiums. Each method has different implications for gift tax, income tax, and trust administration. Discussing funding strategies during the planning phase helps ensure the ILIT remains sustainable and well-documented throughout its administration.
Common pitfalls when creating an ILIT include failing to properly transfer ownership, not observing timing rules that affect estate inclusion, inadequate documentation of gifts used for premiums, and unclear beneficiary or trustee provisions. Missing a required waiting period after a transfer or neglecting to deliver Crummey notices when needed can undermine the trust’s intended tax treatment. Thorough planning and attention to administrative tasks help avoid these issues and preserve the trust’s benefits. Another frequent problem is lack of coordination with other estate documents or beneficiary designations, which can lead to inconsistent outcomes or unintended creditor exposure. Ensuring beneficiary designations and related trust instructions operate together avoids conflicts and supports predictable administration. Regular reviews and proper record-keeping reduce the chance of mistakes and help implement the grantor’s intentions effectively.
Yes, an ILIT can be used in conjunction with other trusts such as special needs trusts or retirement plan trusts to achieve comprehensive planning goals. The ILIT can be structured to provide funding to another trust for a beneficiary’s benefit, ensuring proceeds are used as intended while maintaining coordination between documents. Clear drafting is necessary so that the resulting interactions between trusts do not create unintended tax or benefit consequences for the recipient. Coordination also extends to pour-over wills, revocable living trusts, and health care directives to ensure all documents reflect a unified estate plan. Reviewing all related instruments together helps prevent conflicting instructions and clarifies the roles of trustees and fiduciaries, resulting in a more manageable administration and better alignment with legacy objectives in California.
The timeframe to set up an ILIT and transfer a policy depends on factors such as whether a new policy is being purchased or an existing policy is being assigned, insurer processing times, and the need to document gifts for premium funding. Simple setups can be completed in a matter of weeks, while more complex arrangements requiring coordination among multiple advisors or funding mechanisms may take longer. It is important to begin early to ensure transfers occur well before any relevant timing windows related to estate inclusion. Insurer procedures for change of ownership and beneficiary designations vary, so coordinating with the insurance company and preparing clear documentation helps streamline implementation. Allowing adequate time for notices, assignments, and trustee onboarding prevents rushed steps that could compromise the intended outcomes. Early planning also permits discussion of funding and trustee roles to ensure the ILIT functions as intended once established.
If you are considering an ILIT in Inverness, begin by gathering copies of existing life insurance policies, beneficiary designations, trust documents, and financial statements. Review your estate planning goals, consider your family’s needs, and think about whether you want staged distributions, protections for beneficiaries, or funding to other trusts. An initial review helps identify whether an ILIT is appropriate and clarifies the steps needed for implementation and funding. Next, seek guidance to draft the trust document, prepare transfer or assignment paperwork, and plan for premium funding and documentation. Discuss trustee options and successor appointments, and coordinate the ILIT with other estate documents such as a revocable living trust, power of attorney, and health care directives. Early planning and clear documentation create a smoother path to establishing an ILIT that aligns with your objectives in California.
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