An Irrevocable Life Insurance Trust (ILIT) can be a powerful element of a comprehensive estate plan for individuals and families in Ross and greater Marin County. This type of trust is designed to own life insurance policies outside of your taxable estate, potentially reducing estate taxes and helping ensure the policy proceeds pass to intended beneficiaries smoothly. At the Law Offices of Robert P. Bergman, we help clients consider how an ILIT fits with wills, revocable living trusts, powers of attorney, and advance health care directives. We also discuss funding, trustee selection, and how an ILIT interacts with other trust instruments in the plan.
Choosing whether to establish an ILIT depends on personal goals, family dynamics, and financial circumstances. An ILIT may be appropriate where there is significant life insurance coverage, a desire to keep proceeds out of probate, or a need to control distribution to heirs. The firm walks clients through grantor decisions, trustee duties, and the implications of making gifts to the trust. We explain the relationship between an ILIT and related documents such as a pour-over will, certification of trust, and any required trust modification petitions, helping clients make informed choices aligned with their long-term plans.
An ILIT can serve several planning goals, including keeping life insurance proceeds out of your taxable estate, providing liquidity for estate settlement costs, protecting proceeds from creditors or divorcing spouses, and directing how insurance benefits are distributed to beneficiaries. It can also be used to preserve benefits for minors or individuals with special needs when combined with appropriate trust provisions. Establishing an ILIT requires careful drafting to ensure funding is effective and that annual gifting strategies like Crummey notices are properly handled. Proper coordination with retirement plan trusts and wills ensures the overall plan functions as intended for your family.
The Law Offices of Robert P. Bergman serve clients in Ross, San Jose, and across California with a focus on practical, client-centered estate planning. Our approach emphasizes clarity, responsiveness, and solutions that reflect each client’s objectives, whether that means creating a revocable living trust, a pour-over will, or an irrevocable life insurance trust. We work with families to address succession, taxation, and long-term asset management concerns, offering clear explanations of trustee responsibilities, funding mechanics, and the interplay among documents such as HIPAA authorizations and guardianship nominations. Clients benefit from local knowledge of California law and attention to administrative details.
An ILIT is a trust that owns and controls one or more life insurance policies, where the grantor transfers ownership of a policy to the trust. Once the trust is properly funded and the transfer completed, the insurance proceeds are generally not included in the grantor’s estate for estate tax purposes. The trust document sets out who may serve as trustee, who the beneficiaries are, and how and when proceeds should be distributed. Establishing an ILIT also involves annual gifting to cover premiums, often using available annual gift tax exclusions, and clear communication with trustees and beneficiaries about trust terms.
It is important to coordinate an ILIT with other components of an estate plan, including retirement plan trusts, special needs trusts, and pour-over wills. Funding mechanics matter: some ILITs acquire a new policy that the trust owns from inception, while others transfer ownership of an existing policy, which can trigger different tax considerations. Careful attention to trustee powers, certification of trust documents, and any necessary trust modification petitions helps maintain the intended benefits. We also discuss practical concerns such as naming alternate trustees, handling policy loans, and maintaining trust records for beneficiaries and successors.
An Irrevocable Life Insurance Trust is a legally binding arrangement in which the grantor transfers ownership of a life insurance policy to an independent trust entity. The trust becomes the owner and beneficiary of the policy, and the trustee is responsible for managing the policy and distributing proceeds according to the trust terms. Because ownership transfers to the trust, policy proceeds typically are not counted as part of the grantor’s estate for federal estate tax calculations, though timing rules and other tax provisions can affect that outcome. The trust document governs everything from contribution schedules to distribution conditions and successor trustee authority.
Setting up an ILIT generally involves drafting the trust agreement, selecting a trustee, transferring an existing policy or arranging for the trust to acquire a new policy, and implementing a funding mechanism to pay premiums. Common elements include language defining beneficiaries, distribution triggers, trustee powers to manage or surrender policies, and provisions for successor trustees. Many ILITs use annual gift exclusions and Crummey notices to move premium funds into the trust without exceeding gift tax thresholds. Ongoing administration includes recordkeeping, making timely premium payments, and communicating with beneficiaries about their rights under the trust.
Understanding the terms commonly used in ILIT planning is helpful when discussing options and drafting documents. Terms such as grantor, trustee, beneficiary, Crummey power, funding, and gift tax annual exclusion appear frequently and have specific legal meanings. Knowing how these components interact helps you make decisions about trustee selection, policy ownership, and the timing of transfers. This section provides brief definitions of the most relevant terms and explains how they affect trust administration, tax treatment, and beneficiary distributions so you can evaluate whether an ILIT is suitable for your circumstances.
The grantor, also called the settlor, is the person who establishes the trust and typically transfers assets or funds to it. In the context of an ILIT, the grantor may transfer an existing life insurance policy to the trust or make gifts to the trust so it can pay premiums on a policy the trust owns. The grantor’s decisions about trustee selection, beneficiary designations, and funding strategies shape how the trust operates and whether the trust achieves its intended estate planning outcomes. Clear documentation at the outset helps ensure the grantor’s intentions are carried out.
A beneficiary is a person or entity who is entitled to receive trust assets or policy proceeds under the terms of the trust. Beneficiary designations within an ILIT specify who will receive distributions and under what conditions, which can include outright payments, staged distributions, or distributions for specific purposes such as education or healthcare. The trust can include contingent beneficiaries and provisions for beneficiaries with special needs. Thoughtful beneficiary naming and distribution rules reduce ambiguity and help avoid disputes during trust administration after the insured’s death.
A Crummey power is a provision that gives beneficiaries a temporary right to withdraw gifts to the trust for a short period, which makes those gifts qualify for the annual gift tax exclusion. The accompanying Crummey notice informs beneficiaries of their withdrawal right and the time frame to exercise it. Properly administered Crummey powers and notices can allow the grantor to fund premium payments without incurring gift tax consequences, provided gifting limits are observed and notices are sent as required. Administration of this process requires accurate records and timely communications.
The gift tax annual exclusion allows a person to give a certain amount per recipient each year without using lifetime gift tax exemption. When funding an ILIT, the grantor often relies on this exclusion to move funds into the trust each year to cover premiums. Using the annual exclusion typically involves providing Crummey notices to beneficiaries to preserve exclusion treatment. Understanding the current exclusion amount and how it applies to transfers to the trust is an important part of planning, and failure to observe the requirements can change the trust’s tax consequences.
An ILIT is one of several tools available to manage life insurance and estate tax exposure. A revocable living trust allows ongoing control and flexibility but does not remove assets from the taxable estate while the grantor is alive. A pour-over will can funnel assets into a trust at death but does not address how insurance proceeds are owned or taxed. A general assignment of assets to trust and certification of trust may be used in conjunction with an ILIT to document ownership and trustee authority. Comparing the options involves weighing flexibility, tax objectives, and administrative complexity.
A limited approach to life insurance ownership may be appropriate when policy proceeds are modest relative to the size of the estate, and the primary objectives are to provide immediate liquidity for final expenses and to avoid probate delays. In these situations, simpler arrangements such as revocable ownership with clear beneficiary designations or a pour-over will may achieve the client’s goals without the administrative obligations of an ILIT. Clients whose planning needs are straightforward and who prefer to retain flexibility often choose a less complex structure that still provides for loved ones.
When life circumstances or financial plans are expected to change in the near term, a limited approach that retains ownership flexibility can be preferable. Because an ILIT is irrevocable, it limits the grantor’s control over the policy once the trust owns it, which may not fit with plans that anticipate changes in beneficiaries, coverage levels, or financial priorities. For clients who want a temporary solution or expect to revise their estate plan frequently, options that allow easier modification can provide a better balance between protection and adaptability.
A comprehensive approach is generally advisable when an estate includes significant assets, multiple accounts, retirement plan interests, or family dynamics that could complicate distribution. In such cases, coordinating an ILIT with revocable trusts, retirement plan trusts, and special needs trusts helps ensure that proceeds are managed to meet both immediate and long-term family needs while addressing tax considerations. Careful drafting and integration across documents reduce the risk of unintended results and help preserve value for intended beneficiaries.
When beneficiaries include minors, individuals with disabilities, or those who may not be able to manage lump-sum distributions responsibly, a comprehensive ILIT approach can provide tailored distribution provisions and trustee guidance to protect long-term interests. The trust can direct funds for specified needs, stagger payments, or require trustee oversight to ensure assets benefit the intended recipients over time. Coupling an ILIT with a special needs trust or guardianship nominations can preserve public benefits while improving financial security for vulnerable beneficiaries.
A comprehensive plan aligns the ILIT with other estate planning documents and addresses tax, creditor, and family considerations in a coordinated way. This helps prevent conflicting beneficiary designations, reduces the likelihood of probate disputes, and ensures that life insurance proceeds are available when needed to pay expenses, settle taxes, or support heirs. Careful integration with powers of attorney, healthcare directives, and retirement account beneficiaries improves the overall reliability of the estate plan and can simplify administration for trustees and loved ones after the grantor’s death.
Comprehensive planning also allows for proactive administration strategies, such as naming successor trustees, establishing clear distribution standards, and documenting the intent behind transfers and funding decisions. This reduces uncertainty for beneficiaries and helps guardians or trustees carry out the grantor’s wishes. In addition, when the ILIT is part of a broader plan, it is easier to update related documents via trust modification petitions or other appropriate mechanisms, ensuring the estate plan continues to reflect changes in family circumstances, tax law, and financial goals.
Coordinating an ILIT with other estate planning instruments enhances the potential tax and asset protection benefits of the overall plan. By removing policy proceeds from the estate and applying other protective mechanisms, an integrated approach can reduce estate settlement costs and position assets to serve beneficiaries according to the grantor’s wishes. Coordination includes examining how retirement plans, real property, and business interests interact with life insurance planning so trustees and heirs receive clear guidance and the estate administrator can fulfill obligations without unnecessary delay or expense.
A comprehensive plan provides precise instructions for trustees and beneficiaries, reducing ambiguity that can lead to family conflict. Well-drafted trust provisions, clear beneficiary designations, and documented funding decisions help ensure that distributions proceed smoothly and according to the grantor’s intent. Including provisions for dispute resolution and successor trustee appointment further lowers the risk of contested administration, allowing families to focus on long-term care and support for loved ones rather than legal disagreements during an emotionally difficult time.
Begin by identifying the specific objectives you want the ILIT to achieve, whether that means protecting proceeds from estate taxes, providing for minor children, or shielding assets from creditor claims. Clear goals guide decisions about trustee selection, beneficiary provisions, and funding strategies. Having a well-defined purpose helps the drafting process, minimizes ambiguity, and provides a roadmap for administration. Clarity at the outset reduces the need for later modifications and helps beneficiaries understand the intended use of trust funds when distributions are made.
Documenting the mechanism for funding premiums and maintaining copies of Crummey notices, gift records, and insurance ownership transfers helps avoid disputes and ensures the trust operates as intended. Maintain clear channels of communication with trustees and beneficiaries, and periodically review the plan to confirm that beneficiary designations and funding arrangements remain aligned with current goals. Consistent documentation reduces administrative friction and provides evidence of actions taken in case questions arise during trust administration or later when the policy pays out.
Establishing an ILIT is often considered when individuals want life insurance proceeds to pass outside their taxable estate, provide liquidity for estate settlement costs, or protect the proceeds for heirs who may need oversight. It can also help ensure that funds are used for intended purposes such as education, healthcare, or ongoing support for a surviving spouse. For those with larger estates, an ILIT can be a tool to address potential estate tax exposure, while for families with vulnerable beneficiaries it provides a way to manage distributions responsibly over time.
Other reasons to consider an ILIT include reducing the potential for contested beneficiary claims, enabling detailed instructions for distribution timing and conditions, and integrating life insurance planning with trusts that address retirement accounts, special needs, or charitable intentions. When properly drafted and funded, an ILIT can create certainty for heirs and ease the administrative burden on trustees. Even where tax benefits are limited, the control and creditor protection possibilities of an ILIT make it a useful option for many families in Ross and across Marin County.
Clients often consider an ILIT when they have significant life insurance coverage, complex family dynamics, blended families, heirs with special needs, or business succession planning needs. An ILIT can provide liquidity to pay estate expenses, create protected pools of funds for beneficiaries, and align insurance proceeds with broader estate objectives. The decision is particularly relevant when ownership of policies as part of the estate could create tax or creditor exposure, or when clear, enforceable distribution rules are needed to manage long-term benefits for heirs.
When life insurance proceeds are substantial relative to the overall estate, owners may choose an ILIT to reduce the likelihood those proceeds are included in the taxable estate. This approach can preserve more of the estate’s value for beneficiaries by addressing potential estate tax liabilities and by providing a clear mechanism for administering insurance benefits. Proper timing of transfers and careful documentation are essential to ensure the intended estate planning and tax objectives are met.
An ILIT can be structured to provide ongoing oversight for beneficiaries who are minors, have disabilities, or may be unable to manage large sums responsibly. By defining distribution conditions and trustee responsibilities, the trust ensures that funds are used for beneficiary needs over time while preserving eligibility for public benefits where appropriate. Integrating an ILIT with special needs planning and guardianship nominations can create a comprehensive support structure that addresses both financial and caregiving concerns.
Business owners often use an ILIT to provide liquidity for succession planning, buy-sell agreements, or to ensure funds are available to pay taxes and expenses associated with transferring ownership. Life insurance proceeds owned by an ILIT can provide cash when needed to keep a business operating or to facilitate orderly transfers of interests. Aligning the ILIT with business succession goals and retirement plan trusts helps ensure that beneficiaries and business partners have access to the resources required for a smooth transition.
We are here to assist Ross residents with thoughtful planning around life insurance ownership and trust design. Whether you are evaluating a new policy, considering transferring an existing policy into a trust, or seeking to coordinate beneficiaries and retirement plan interests, we provide clear explanations and practical guidance. The firm helps clients prepare required notices, document transfers, and maintain accurate records to support the trust’s administration. Our focus is on creating durable, well-documented plans that meet your goals and reduce uncertainty for loved ones.
Clients choose our firm for a client-focused approach, local knowledge of California estate planning, and attention to the administrative details that make trust plans work in practice. We prioritize clear communication about the implications of an ILIT, including funding methods, trustee roles, and coordination with other estate planning documents. By explaining options in plain language and laying out practical steps, we help clients make informed decisions that reflect their family circumstances and long-term objectives.
Our services include reviewing existing life insurance arrangements, drafting trust agreements and related documents such as HIPAA authorizations and powers of attorney, and assisting with trust modification petitions when circumstances change. We guide clients through the mechanics of ownership transfer, annual gifting strategies, and administration tasks to support the trust’s intended purpose. Attention to documentation and proactive planning help reduce the risk of unintended tax consequences or disputes during trust administration.
We also help clients plan for transitional matters including naming successor trustees, preparing pour-over wills, and coordinating ILIT terms with retirement plan trusts and special needs planning when appropriate. Our goal is to create a cohesive estate plan that reflects each client’s priorities and provides clear instructions to trustees and beneficiaries. Clients receive hands-on support throughout implementation and administration to ensure the plan functions effectively over time.
Our process begins with an initial consultation to understand your goals, assets, and family circumstances. We review existing documents and insurance policies, discuss funding and trustee options, and outline how an ILIT would interact with other estate plan components. After agreeing on objectives, we draft the trust document, prepare transfer paperwork or arrange for a new policy to be issued in trust ownership, and advise on annual gifting and notice procedures. We remain available to assist trustees and beneficiaries during administration and to handle any necessary trust modification petitions.
In the first step we gather information about your assets, insurance policies, family structure, and objectives. This includes reviewing existing wills, revocable living trusts, retirement plan beneficiaries, and any special needs considerations. Based on that review, we draft the ILIT agreement tailored to your goals, selecting trustee powers, distribution standards, and funding mechanisms. Clear drafting at this stage reduces the likelihood of ambiguity and sets expectations for trustees and beneficiaries, making administration more straightforward after the trust is established.
We request copies of current insurance policies, beneficiary designations, existing trust and will documents, and account statements. Gathering this information helps identify potential conflicts, funding needs, and interactions with retirement accounts or other trusts. This preparatory step also clarifies whether the trust will acquire a new policy or accept an existing policy transferred into trust ownership, as each option involves different administrative and potential tax consequences that we review with you.
Drafting focuses on creating clear, enforceable language covering trustee authority, beneficiary designations, distribution timing, and provisions for successor trustees. The document will also address how premiums are to be funded, whether through annual gifts or other arrangements, and include procedures for Crummey notices if applicable. Precise drafting ensures the trust accomplishes your intent and provides trustees with guidance for managing the policy and making distributions in line with your wishes.
Once the trust is executed, we assist with funding the trust and transferring ownership of policies or arranging for new policies to be issued in the trust’s name. This may involve submitting ownership transfer forms to insurers, documenting gifts to the trust to cover premiums, and preparing Crummey notices for beneficiaries. Properly executed transfers and consistent funding practices are essential to preserve the anticipated estate planning benefits and to avoid unintended tax or ownership consequences.
Transferring an existing policy to the trust may require insurer forms and documentation of the ownership change. We coordinate with insurance carriers to ensure transfer procedures are completed properly and that beneficiary designations are updated where necessary to reflect the trust as beneficiary or owner. Timing of transfers is important because transfers made shortly before death can be subject to look-back rules that affect estate inclusion, so we advise on optimal timing for transfers when possible.
If the trust will acquire a new policy, we guide the application and ownership setup so the trust is designated as the owner from the outset. This approach avoids the need for later transfers and simplifies tracking of policy ownership. We also help structure premium funding through annual gifts that align with gift tax rules and prepare the necessary notices and records to support the chosen funding strategy for the life of the policy.
After the trust is funded and a policy is in place, administration continues through timely premium payments, recordkeeping of gifts and notices, and trustee reporting to beneficiaries as required by the trust. We provide guidance on preserving documentation, managing policy loans or changes, and addressing any issues that arise during the life of the policy. When the insured passes, the trustee must file claims, manage distributions in accordance with the trust, and coordinate with estate administration as needed.
Annual tasks include preparing and sending any required Crummey notices, recording gifts used to fund premiums, and confirming premium payments have been made on time. Trustees should maintain a file of trust documents, policy statements, and communications with beneficiaries. Keeping accurate records supports compliance with tax requirements and reduces the risk of disputes. We advise trustees on best practices for consistent administration and on when to seek legal guidance for complex matters.
When the insured dies, the trustee files the claim with the insurer, collects proceeds, and distributes funds according to the trust terms. Depending on the trust language, the trustee may also use proceeds to pay estate expenses or to execute planned distributions for beneficiaries. Proper documentation of all steps taken, including claims, payments, and distributions, is essential to ensure transparency and to reduce the likelihood of contested administration. We assist trustees with these responsibilities to help ensure an orderly settlement.
An Irrevocable Life Insurance Trust is a trust that owns a life insurance policy. The grantor transfers ownership of an existing policy to the trust or arranges for a new policy to be issued in the trust’s name. The trust document designates a trustee to manage the policy and specifies beneficiaries and distribution rules. Because the trust owns the policy, proceeds are generally payable to the trust and distributed according to the trust’s terms, rather than being paid directly to named individuals and passing through probate. The mechanics involve drafting the trust agreement, completing any transfer paperwork with the insurer, and establishing a funding plan to pay premiums. The trustee is responsible for maintaining policy payments, filing claims at the time of death, and distributing proceeds as directed. Proper coordination with other estate planning documents and attention to timing help ensure the trust functions as intended.
Transferring an existing life insurance policy to an ILIT can have tax and timing considerations. Transfers made within a certain look-back period before death may cause the proceeds to be included in the grantor’s estate for estate tax purposes. Additionally, gifting funds to the trust to cover premiums can implicate gift tax rules unless annual exclusion strategies such as Crummey notices are used. Each situation depends on the timing of transfers, the size of gifts, and current tax law. Because of these issues, it is important to evaluate the timing and method of transfer before completing a transaction. Proper documentation of gifts, notices to beneficiaries, and a well-considered funding plan help manage tax implications. We review these factors with clients to align the transfer method with their estate planning objectives and to minimize unexpected tax outcomes.
Premiums for a policy owned by an ILIT are generally funded by gifts from the grantor to the trust. Each year the grantor may provide funds to the trust sufficient to cover the premiums, and those gifts are often structured to qualify for the annual gift tax exclusion. To preserve exclusion treatment, the trust typically includes Crummey withdrawal powers and notices to beneficiaries, giving them a short period during which they may withdraw the gifted amount before it remains with the trust. Trustees must document receipt of funds and premium payments, and they should maintain clear records of any notices sent to beneficiaries. If the trust will pay premiums from other trust assets or from a different funding source, those arrangements should be clearly described in the trust document so trustees and beneficiaries understand the intended funding mechanism and responsibilities.
Choosing a trustee involves balancing reliability, administrative ability, and trustworthiness. Many grantors select a trusted family member or friend willing to take on responsibilities, while others prefer the consistency of a professional corporate trustee. The trustee’s role includes making premium payments, filing claims, maintaining records, and distributing proceeds according to the trust terms. Naming successor trustees is also important to ensure continuity if the initial trustee is unable or unwilling to serve. It is helpful to discuss the duties with a proposed trustee before naming them, so they understand the administrative obligations and expectations. Trustees should be comfortable handling financial matters and communicating with beneficiaries. Including clear trustee powers and guidance in the trust document reduces uncertainty and helps trustees carry out their responsibilities effectively.
Because an ILIT is irrevocable, it is not generally possible for the grantor to unilaterally revoke or change its terms after creation. However, in some cases the trust may include limited amendment clauses, or parties can pursue a trust modification petition in court or use nonjudicial settlement agreements if permitted by law and the circumstances warrant a change. The feasibility of modification depends on the trust language, applicable state law, and the positions of interested parties. Planning for foreseeable changes by naming flexible trustee powers and successor beneficiaries can reduce the need for modifications. If circumstances change significantly, discussing available legal mechanisms for modification with counsel is important, as formal petitions or agreements may be necessary to adapt the trust to new conditions while preserving its core benefits.
An ILIT can be structured to preserve access to public benefits for beneficiaries who receive means-tested governmental assistance, but special care is required. For beneficiaries with disabilities, a separate special needs trust is often used to receive funds while protecting eligibility for programs. The ILIT can fund or coordinate with such a trust to provide supplemental support without disrupting benefits. Drafting appropriate distribution standards and trustee discretion helps ensure funds are used to complement, not replace, public benefits. Coordination with other planning documents and an understanding of benefit rules is essential to avoid inadvertent disqualification. Legal guidance helps structure distributions in a way that supports the beneficiary while preserving critical benefits, and trustees should be aware of the interplay between trust distributions and public program eligibility.
Trustees should keep comprehensive records, including the trust document, policy statements, proof of ownership transfers, premium payment records, copies of Crummey notices, and documentation of any gifts used to fund premiums. Maintaining a clear file of correspondence with insurers, beneficiaries, and advisors reduces confusion and helps demonstrate compliance with trust terms and tax rules. Accurate records are also essential if questions arise during administration or if beneficiaries request accounting information. Good recordkeeping practices include organizing documents chronologically, retaining copies of annual reports or statements, and keeping a log of distributions and trustee actions. Providing beneficiaries with required notices and regular updates as specified in the trust can help maintain transparency and reduce the likelihood of disputes during administration.
An ILIT and retirement plan benefits require careful coordination because retirement accounts have their own beneficiary rules and tax consequences. Naming a trust as a retirement plan beneficiary can have unintended tax effects unless the trust is drafted to meet distribution and timing rules for required minimum distributions. In many cases, a separate retirement plan trust or carefully drafted provisions are used to manage tax outcomes and beneficiary access to funds over time. When retirement plan benefits are significant, planning should evaluate the interaction between account beneficiary designations, survivor benefits, and the ILIT’s role. Working through these interactions at the planning stage reduces the likelihood of conflicting instructions and helps ensure that retirement assets and life insurance proceeds complement each other to meet overall estate objectives.
A Crummey notice informs beneficiaries of a temporary right to withdraw a gift to the trust, which makes the gift qualify for the annual gift tax exclusion. Sending timely Crummey notices and giving beneficiaries the stated withdrawal window are practical steps to preserve exclusion treatment when funding premiums. The notice period is typically short and many beneficiaries do not exercise the withdrawal right, but documenting the notice supports the trust’s tax position. Proper preparation and recordkeeping for these notices are important because failure to provide or document Crummey notices can jeopardize the annual exclusion treatment of gifts. Trustees should maintain evidence that notices were sent and that beneficiaries were given a reasonable opportunity to act during the withdrawal period.
The time to set up an ILIT varies depending on the complexity of the client’s circumstances and whether a new policy will be issued or an existing policy is being transferred. In straightforward cases where a new trust is drafted and a new policy is issued to the trust, the process can be completed in a few weeks, depending on insurer processing times. Transferring an existing policy may require additional time for insurer approvals and documentation. Allowing time for comprehensive review, drafting, and coordination with insurers and trustees is important. Clients should also consider any timing implications related to estate inclusion rules when transferring existing policies, so completing the process with appropriate lead time helps preserve the intended benefits.
Criminal Defense
Homicide Defense
Manslaughter
Assault and Battery
Assault with a Deadly Weapon
Battery Causing Great Bodily Injury
Domestic Violence
Domestic Violence Protection Orders
Domestic Violence Restraining Order
Arson Defense
Weapons Charges
Illegal Firearm Possessions
Civil Harassment
Civil Harassment Restraining Orders
School Violence Restraining Orders
Violent Crimes Defense
Estate Planning Practice Areas