An Irrevocable Life Insurance Trust, often used in estate planning, can help you manage life insurance proceeds and reduce estate tax exposure while preserving benefits for your chosen beneficiaries. At the Law Offices of Robert P. Bergman we assist clients in Desert Hot Springs and Riverside County to understand how an ILIT works, what it accomplishes, and whether it fits their family and financial goals. Our approach focuses on clear communication, practical planning, and thorough documentation so families feel confident their insurance assets are protected and directed according to their wishes.
Choosing to create an Irrevocable Life Insurance Trust involves long term considerations about control, tax implications, and beneficiary needs. We walk clients through each decision point including ownership changes, funding the trust, trustee selection, and coordinating the ILIT with other estate planning documents such as wills, powers of attorney and health directives. Located to serve Desert Hot Springs residents, the Law Offices of Robert P. Bergman provides straightforward explanations and tailored drafting so the trust functions as intended and aligns with your overall estate plan and family objectives.
An Irrevocable Life Insurance Trust provides several potential benefits for families and individuals who own life insurance policies. It can remove insurance proceeds from your taxable estate, provide controlled distribution to beneficiaries, protect funds from creditors or disputes, and ensure that policy proceeds are used as intended. Creating an ILIT requires careful drafting to meet tax rules and avoid unintended consequences. We help clients evaluate how an ILIT interacts with retirement plans, property transfers, and other trusts to make sure the arrangement supports their long term financial and family goals while preserving flexibility where possible.
Law Offices of Robert P. Bergman has helped California families plan for the future with practical estate planning services. Serving Desert Hot Springs and Riverside County, our office emphasizes clear communication, careful document drafting, and attentive client service. We guide clients through creating trusts, wills, powers of attorney, and healthcare directives, with a focus on reducing uncertainty and preserving family relationships. Clients rely on our thorough approach to review existing plans, coordinate multiple documents, and provide thoughtful recommendations that reflect each client’s priorities and financial circumstances.
An Irrevocable Life Insurance Trust is created to own a life insurance policy outside of an individual’s taxable estate. Once the trust owns the policy, the grantor gives up legal ownership and certain rights, which triggers specific tax and legal consequences. Properly structured, the ILIT receives the policy proceeds at death and distributes them according to the trust terms. Establishing and funding the trust requires attention to gift tax rules, trustee powers, and premium payment mechanisms so the trust will achieve the intended results without inadvertent tax or control issues.
The trust document generally names trustees, beneficiaries, distribution provisions, and rules for premium payments and policy management. Selecting the right trustee and defining the trust’s powers helps ensure smooth administration and timely payment of benefits. An ILIT can work with other planning tools, such as pour over wills or retirement trust arrangements, to create a coordinated legacy plan. Clients in Desert Hot Springs receive personalized explanations about tradeoffs between control and tax advantages so they can make informed decisions that align with family needs and long term objectives.
At its core, an Irrevocable Life Insurance Trust is a legal entity that holds ownership of one or more life insurance policies. By transferring ownership to the trust, policy proceeds are channeled through trust administration after the insured’s death. The trust terms determine who receives funds, when distributions occur, and what limitations apply. Because the grantor relinquishes ownership, the arrangement can limit estate inclusion, though careful drafting and timing are essential to comply with tax laws. We explain the practical steps for funding the trust and coordinating policy assignments or new policy purchases to implement the plan effectively.
Setting up an Irrevocable Life Insurance Trust involves drafting a trust agreement, transferring existing policies or arranging new policies, naming trustees and beneficiaries, and establishing procedures for premium payments and trust administration. The process often starts with a planning meeting to review goals and assets, followed by document drafting and coordination with insurers. After funding the trust and confirming policy ownership, trustees may need to set up bank accounts or gift funding mechanisms to pay premiums. Ongoing administration includes record keeping, managing distributions, and preparing any required tax filings.
Understanding the terminology used in ILIT planning helps clients follow recommendations and make informed choices. Terms such as grantor, trustee, beneficiary, assignment, irrevocable transfer, Crummey notice, and estate inclusion regularly appear in documents and discussions. We provide clear definitions and explain how each concept affects trust operation, tax considerations, and beneficiary outcomes. Familiarity with these terms allows clients to evaluate trust provisions, understand reporting obligations, and participate in decisions about trustee selection and trust powers.
The grantor is the person who creates the trust and transfers ownership of a life insurance policy into the trust. By making the transfer, the grantor gives up certain rights over the asset. This relinquished control is what allows the trust asset to be removed from the grantor’s taxable estate, subject to specific timing and tax rules. The grantor’s intentions and the timing of transfers are central to how the trust will be treated for tax and legal purposes. Clear documentation of the transfer is essential to ensure the trust functions as intended.
The trustee is the individual or entity responsible for managing the trust, making premium payments when needed, handling administrative duties, and distributing proceeds according to the trust terms. Trustees have fiduciary responsibilities to act in the beneficiaries’ best interests and follow the trust document. Choosing a trustee requires consideration of reliability, financial acumen, and availability. Trust provisions can also designate successor trustees and outline limitations on trustee powers to ensure continuity and faithful administration of policy proceeds.
A beneficiary is a person or entity entitled to receive trust distributions under the ILIT terms. Beneficiaries may receive lump sum payments, staged distributions, or trusts for minors or those with special needs. The trust document defines who qualifies as a beneficiary and under what conditions distributions occur. Naming contingent beneficiaries and describing distribution triggers helps prevent disputes, ensures funds are used as intended, and accommodates changes in family circumstances over time.
A Crummey right is a temporary withdrawal right given to beneficiaries when a gift is made to a trust so that the gift qualifies for the annual gift tax exclusion. For ILITs, providing Crummey notices to beneficiaries informs them of their limited right to withdraw contributions, which helps the trust receive premium funding without triggering gift tax consequences. Careful administration of Crummey notices and documentation of beneficiary responses is important to maintain the desired tax treatment while preserving the trust’s funding mechanism.
An ILIT differs from other estate planning tools such as revocable living trusts, pour over wills, and direct beneficiary designations in that it typically removes life insurance proceeds from an individual’s taxable estate once properly structured. While a revocable trust provides flexible asset management and probate avoidance, it does not offer the same estate tax removal that an ILIT can achieve. Direct beneficiary designations are simple but offer less control over how proceeds are used. Evaluating these options involves weighing control, tax outcomes, administrative complexity, and long term family needs.
If your estate is modest and you do not face significant estate tax concerns, a simple beneficiary designation on a life insurance policy may be sufficient to provide immediate liquidity to survivors. Simpler arrangements reduce administrative costs and avoid the ongoing obligations associated with trust administration. For many families, direct designations paired with a comprehensive will and powers of attorney provide a straightforward solution without the need to transfer policy ownership into a trust structure. We review asset composition and projected estate tax exposure to determine whether a limited approach meets your goals.
When beneficiaries are adults, financially capable, and there are no concerns about creditor claims or estate tax exposure, direct designations or inclusion in a revocable trust may accomplish your objectives. In that context, the simplicity of direct transfers reduces paperwork and ongoing oversight. However, those arrangements offer less control over timing and use of funds. We discuss whether simpler solutions adequately protect the family and whether additional measures, such as naming contingent beneficiaries or adding spendthrift provisions in other planning documents, might be helpful.
When estate tax exposure is a concern or when you want to shield insurance proceeds from creditor claims or family disputes, an ILIT combined with a broader estate plan can provide structure and protection. A comprehensive plan ensures policy ownership, beneficiary designations, and trust terms all work together to protect assets and preserve intended distributions. This approach requires careful drafting to meet tax requirements and clear instructions for administration, but it can prevent unintended inclusion in the taxable estate and help ensure proceeds reach beneficiaries under controlled conditions.
Complex family dynamics, including blended families, minor beneficiaries, or beneficiaries with special needs, often call for structured trust arrangements to control distributions and preserve benefits. An ILIT can be tailored to provide for staged distributions, funds for education, or trust assets for a child or adult with disabilities without jeopardizing eligibility for public benefits. Coordinating an ILIT with other planning tools such as special needs trusts and powers of attorney ensures the financial and healthcare needs of beneficiaries are addressed in a comprehensive and compassionate manner.
A coordinated approach aligns life insurance ownership and beneficiary designations with wills, trusts, and powers of attorney so assets transfer according to your wishes. This reduces the risk of assets being subject to probate, minimizes tax exposure where possible, and clarifies administration responsibilities. It also offers peace of mind by setting clear instructions for the management and distribution of life insurance proceeds. Through careful planning, families can reduce conflict after a loss and ensure funds are used to meet financial obligations, support loved ones, and preserve legacy intentions.
Coordination also ensures that premium payment arrangements, donor intent, and trustee powers are documented so the ILIT functions smoothly over time. Addressing contingencies, such as replacement of trustees, changes in beneficiaries, or policy lapses, protects the trust’s intended outcome. Regular reviews of the plan help account for changes in assets, family circumstances, and tax law. By integrating the ILIT into a broader estate plan, clients gain a consistent framework that makes administration easier and preserves flexibility to respond to life events.
One of the primary benefits of placing life insurance in an ILIT is the potential to keep the death benefit out of the grantor’s taxable estate, which can reduce estate tax liability for larger estates. Proper timing, ownership transfers, and funding protocols are necessary to obtain the desired tax treatment. Integrating the ILIT with other estate planning vehicles ensures coordination of tax strategies and avoids conflicts that could cause unintended estate inclusion. Thoughtful drafting and ongoing administration are key to maintaining the intended tax benefits over time.
An ILIT allows grantors to set specific rules for how and when beneficiaries receive proceeds, which helps protect assets from poor financial decisions, creditors, or unintended beneficiaries. The trust can provide for staged disbursements, incentives for education or employment, or protections for beneficiaries who may have special needs. These controls give families confidence that funds will be used according to the grantor’s intentions while still providing necessary support. Trustee duties and distribution standards are drafted to balance protection with reasonable access to funds.
When creating an ILIT, coordinate the trust ownership with the policy’s beneficiary designations and any related estate documents to prevent conflicting instructions. Verify that transfer paperwork is completed with the insurer and that trust funding procedures are documented. Carefully drafted language about premium payments and Crummey notices will help preserve the trust’s intended tax result. Regularly review accounts and insurance policies to confirm they remain aligned with your estate plan, particularly after major life events such as marriage, divorce, births, or changes in financial circumstances.
An ILIT is not a set and forget document; it requires ongoing attention to premium payments, beneficiary changes, and documentation such as Crummey notices when contributions are made. Schedule periodic reviews to confirm policies remain in force and to reassess trust provisions in light of changing laws or family situations. Regular maintenance prevents policy lapses and helps the trust continue to serve its intended purpose. Clear instructions and accessible records make administration easier for trustees and reduce the chance of unintended outcomes for beneficiaries.
Consider an ILIT if you own significant life insurance and want to limit estate tax exposure or provide controlled access to proceeds for beneficiaries. It is also appropriate when you want to protect insurance proceeds from creditor claims or manage distributions for minors and vulnerable beneficiaries. An ILIT can be part of a broader asset protection strategy and helps ensure life insurance benefits are used according to your wishes. We review family and financial circumstances to determine whether an ILIT meets your goals and whether alternative solutions might be more suitable.
An ILIT often works well for clients concerned about maintaining family harmony and ensuring that funds are available for obligations such as mortgage payments, education, or business continuation. It can be structured to provide liquidity for estate taxes, debts, or administrative costs, sparing beneficiaries from selling assets quickly. For families with blended relationships or complex beneficiary needs, an ILIT offers a way to direct funds through a neutral trust mechanism that reduces ambiguity and helps prevent disputes during a difficult time.
Typical scenarios that lead families to establish an ILIT include high net worth estates where estate tax planning is important, situations where beneficiaries need protection from creditors or divorce, and cases where funds must be managed for minors or beneficiaries with special needs. Business owners who require life insurance for buy sell agreements and individuals who want to ensure a tax efficient transfer of insurance proceeds also commonly use ILITs. Each situation requires tailored provisions to align the trust with intended outcomes and legal requirements.
When an estate’s size raises the possibility of estate tax liability, an ILIT can be an important tool to remove life insurance proceeds from estate calculations when structured and timed correctly. This allows families to provide liquidity to pay taxes or preserve other assets for heirs without increasing the taxable estate. A thorough review of asset composition, projected tax exposure, and transfer timing is essential to determine whether an ILIT will deliver the anticipated tax benefits and to document the transfer in a way that withstands scrutiny.
An ILIT can protect life insurance proceeds from creditor claims or family law disputes when funds are held in trust and distributed under controlled terms. This protection is particularly valuable for business owners, professionals, or individuals concerned about potential future claims. The trust’s distribution rules and spendthrift provisions help shield assets from creditors of beneficiaries and provide a framework for continued support without uncontrolled access. Proper drafting and administration are necessary to maintain these protections over time.
For beneficiaries who are minors, lack financial experience, or have special healthcare or support needs, an ILIT can provide staged distributions and conditions that ensure funds are used for specific purposes such as education or medical care. A trustee will manage distributions consistent with the grantor’s intent, helping prevent misuse and providing structured support. When combined with guardianship nominations, health care directives, and powers of attorney, the ILIT forms a central piece of a comprehensive plan to protect vulnerable family members.
We serve clients throughout Desert Hot Springs and Riverside County, providing practical guidance on Irrevocable Life Insurance Trusts and related estate planning documents. Whether you are establishing a new trust, transferring an existing policy, or reviewing a current plan, we offer clear explanations of the legal steps involved and help coordinate with insurers and financial advisors. Our goal is to make the process manageable and to ensure your wishes are documented in a way that protects your family and preserves intended benefits for beneficiaries.
The Law Offices of Robert P. Bergman bring a focus on careful drafting, client communication, and coordinated planning to each ILIT engagement. We take time to understand family dynamics, financial objectives, and potential tax implications before recommending a structure. Our services include drafting trust documents, coordinating policy transfers or purchases, preparing notices and administrative procedures, and advising on trustee selection. Clients value our thorough approach and practical guidance throughout the planning and administration process.
We assist with integrating ILITs into an overall estate plan that may include revocable trusts, wills, powers of attorney, health care directives, and special needs trusts. This holistic view helps reduce conflict and redundancy while promoting clarity in how assets are managed and distributed. Practical steps such as preparing Crummey notices, confirming premium payment methods, and documenting transfers are part of the service, so clients can rely on the plan to perform as intended.
Our office serves clients with personalized attention and responsive communication, making it easier to navigate the legal and administrative requirements of an ILIT. We are available to answer questions, coordinate with insurers and financial professionals, and provide periodic reviews to adjust the plan as circumstances change. For clients in Desert Hot Springs and Riverside County, this support delivers confidence that insurance proceeds will be managed and distributed according to the grantor’s wishes.
Our process begins with an initial consultation to review your goals, insurance holdings, and family circumstances. We then recommend an appropriate structure and prepare draft trust documents for review. Once you approve the draft, we coordinate the transfer or purchase of the policy, prepare any necessary notices, and help set up payment mechanisms. After the trust is funded and the insurer confirms ownership, we provide trustees with administrative guidance and offer periodic reviews to ensure the plan continues to meet objectives as circumstances evolve.
The first step focuses on gathering information about existing life insurance policies, asset values, family relationships, and planning goals. We discuss potential tax considerations and draft trust provisions that reflect your wishes for distributions, trustee powers, and administrative procedures. The draft is reviewed and revised until it reflects the intended outcomes, and we ensure the trust language aligns with related documents such as wills and powers of attorney. Clear instructions at this stage prevent ambiguity and help ensure the trust functions as planned.
During the initial review we assess your insurance holdings, ownership designations, and potential estate tax exposure. We discuss who should be named as trustees and beneficiaries, how distributions should be structured, and any special protections that may be appropriate. This conversation helps us draft trust terms that match your priorities while anticipating common administrative issues. It also establishes a timeline for policy transfers or purchases so the trust will operate smoothly after it is funded.
We prepare the ILIT document with clear provisions on trustee powers, distribution standards, premium payment mechanisms, Crummey notice procedures, and successor trustee arrangements. The draft is reviewed with you to confirm it reflects your intentions and accommodates potential future changes. Attention to detail in the trust language reduces the risk of unintended tax or control consequences and makes administration straightforward for trustees when the time comes to act.
The second step involves transferring existing policies to the ILIT or arranging for the trust to be the owner of a newly issued policy. We coordinate with insurers to complete assignment forms and confirm ownership changes. Funding procedures for premium payments are set up, and necessary notices to beneficiaries are prepared to preserve gift tax treatment where applicable. Confirming that the insurer recognizes the trust as owner and beneficiary is a critical administrative detail that protects the integrity of the plan.
We handle communications with insurance companies and, where appropriate, coordinate with financial advisors to confirm how policy transfers affect premium payments and cash value. Ensuring the insurer has proper documentation and understands the trust structure prevents processing delays and helps confirm ownership is properly recorded. This coordination is especially important when policies have loans, riders, or surrender values that affect transfer logistics and long term funding considerations.
Premium payments can be funded through contributions to the trust, direct payments from the grantor, or other funding techniques depending on the family’s situation. We document the chosen method, prepare Crummey notices if annual exclusion gifts are used, and advise trustees on record keeping. Clear payment mechanisms ensure the policy remains in force and the trust maintains its intended legal and tax position over time. Regular monitoring prevents lapses that could undermine the trust’s purpose.
After the trust is funded and the policy ownership confirmed, trustees follow the trust’s procedures for record keeping, premium payments, and beneficiary communications. We provide guidance on administration tasks and prepare any necessary tax filings or notices. Periodic reviews are recommended to address changes in law, family circumstances, or asset composition so the trust continues to achieve the grantor’s goals. Ongoing attention helps preserve the trust’s benefits and adapts the plan to evolving needs.
We provide trustees with step by step instructions for maintaining records, handling premium payments, issuing Crummey notices when applicable, and processing distributions upon the insured’s death. Accurate record keeping supports compliance with tax rules and facilitates transparent administration. Trustees should keep copies of insurance assignments, trust documents, beneficiary notices, and payment records so that distributions proceed efficiently and beneficiaries receive clear explanations of trust decisions.
Regular reviews allow the trust to be updated or coordinated with other planning changes, such as new assets, family events, or revisions to tax law. While the trust itself is irrevocable once signed, the surrounding plan may be adapted through other documents and administrative actions to preserve the trust’s intent. Periodic checkups also confirm policies remain in force and ensure the trustee has the resources and instructions needed for effective administration.
An Irrevocable Life Insurance Trust is a trust created to own and control life insurance policies. Once a policy is transferred into the trust or the trust is named as owner of a new policy, the insured no longer legally owns the policy. The trust then receives the death benefit when the insured passes and distributes proceeds according to the trust terms. Proper structuring and timing are essential to ensure the proceeds are not included in the insured’s taxable estate and that the trust meets the grantor’s distribution goals. Establishing an ILIT requires clear trust language about trustee powers, beneficiary definitions, and premium payment methods. Coordination with insurers to complete assignments and confirm ownership is a key administrative step. The grantor may fund the trust or make gifts to the trust to cover premiums, sometimes using Crummey notices to preserve annual gift tax exclusions. Because the ILIT is irrevocable once executed, careful planning and review before implementation help avoid unintended consequences and ensure the arrangement supports your estate plan.
Yes, transferring a life insurance policy to an ILIT changes who legally owns the policy and reduces the grantor’s direct control. The grantor relinquishes ownership rights so the trust holds the policy and the trustee manages it. This transfer is what allows the policy proceeds to be kept out of the grantor’s taxable estate if done correctly. Grantors should understand that certain actions, such as retaining incidents of ownership, can cause the policy to remain taxable in the estate, so careful drafting is required. Despite reduced ownership, the grantor can still influence trust terms prior to signing, such as naming trustees and specifying distribution rules. It is important to set clear instructions for premium funding and trustee powers so the policy remains in force and administration proceeds smoothly. Consulting with counsel during drafting ensures control mechanisms are properly balanced against the tax and protection benefits of the ILIT.
An ILIT may help reduce estate tax exposure by removing life insurance proceeds from the grantor’s taxable estate, provided the transfer is done in compliance with tax rules and timed correctly. For example, policies transferred to an ILIT shortly before death may still be included in the taxable estate under certain rules. Properly structured and funded ILITs can provide liquidity at death without increasing estate value for tax calculations, which can be especially valuable for estates near estate tax thresholds. Because estate tax rules can change and California does not currently impose a separate estate tax, the specific benefits depend on federal tax law and the size of the overall estate. We analyze your asset composition, projected estate tax exposure, and the timing of transfers to determine whether an ILIT will provide the intended tax advantages and to structure the trust in a way that reduces the risk of unintended inclusion in the estate.
Crummey notices are written notifications provided to beneficiaries when gifts are made to the trust for premium funding. These notices inform beneficiaries of a temporary right to withdraw a portion of the gift for a limited period. The withdrawal right qualifies the gift for the annual gift tax exclusion, which helps donors fund premiums without incurring gift tax. Properly administered notices and documentation of beneficiary responses are essential to preserve the gift exclusion and maintain the trust’s funding strategy. Administratively, trustees or grantors must issue Crummey notices in a timely manner and keep records showing the notices were sent and whether any withdrawals occurred. While many beneficiaries do not exercise their withdrawal rights, providing the notice and documenting the process helps ensure the IRS recognizes the gifts as eligible for the annual exclusion. Clear procedures make funding smoother and reduce tax risk for the trust and grantor.
A trustee should be someone trustworthy, organized, and capable of handling financial and administrative duties. Trustees are responsible for premium payments, record keeping, issuing notices, communicating with beneficiaries, and distributing proceeds according to the trust terms. In some cases families name a trusted individual, two co trustees, or a corporate trustee depending on the complexity of the trust and the desired level of professional administration. Successor trustee provisions are important to ensure continuity if the original trustee cannot serve. Trustee duties also include complying with tax reporting, maintaining accurate records of contributions and expenditures, and acting impartially among beneficiaries. The trust document can outline specific instructions and limits on trustee powers to make administration more straightforward. Selecting the right trustee and providing clear written guidance reduces the likelihood of disputes and helps the trust operate efficiently when administration begins.
Yes, an ILIT can be structured to provide for beneficiaries with special needs while reducing the risk that trust distributions will affect eligibility for public benefits. Often this is done by coordinating the ILIT with a properly drafted special needs trust that holds distributions in a way that supplements public benefits rather than replacing them. Careful drafting is required to preserve access to necessary public programs while using trust funds to enhance the beneficiary’s quality of life. Coordination among documents such as guardianship nominations, health care directives, and powers of attorney is also important to create a comprehensive plan for a beneficiary with special needs. We review benefit rules and family circumstances to design trust provisions that provide flexibility, protect benefits, and ensure funds are available for housing, medical expenses, education, and other needs without jeopardizing assistance programs.
Placing a policy in an ILIT changes the party responsible for premiums and can affect how policy loans or cash values are handled. If a policy has existing loans or cash value, those features must be addressed during transfer to prevent unintended tax or ownership consequences. Trustees should understand loan terms and coordinate with insurers to manage policy loans, riders, and other features so the policy remains in good standing and the death benefit is preserved according to the trust terms. Premium payments are typically funded by gifts to the trust or direct contributions authorized by the trust document. Trustees must follow the trust’s instructions for paying premiums and documenting contributions. Clear funding plans and prompt payments prevent policy lapses and ensure the trust continues to achieve the desired outcome. Coordination with financial advisors helps align premium funding with overall financial plans.
When the insured passes away, the life insurance company pays the policy proceeds to the ILIT as the policy owner and beneficiary. The trustee then administers those proceeds according to the trust terms and the distribution schedule set by the grantor. The trustee’s duties include confirming receipt of funds, paying any creditors or administrative expenses if the trust provides for such payments, and making distributions to beneficiaries in line with the trust document. Proper documentation and trustee readiness help ensure timely distribution. The trustee must also maintain records of how funds are used and report distributions as required. Because the ILIT controls the form and timing of distributions, it helps prevent immediate direct payments to beneficiaries when that outcome is not desired, thereby providing structure and protection consistent with the grantor’s intentions.
The time to set up an ILIT and transfer an existing policy varies depending on factors such as insurer processing times, the need to address policy loans or riders, and whether new policies must be issued. Drafting and review of trust documents can often be completed within a few weeks, while insurer assignments and confirmations may take additional weeks. Coordination with financial advisors and beneficiary notice procedures can also affect timing, so planning ahead helps ensure the trust is effective when needed. It is important to avoid transferring ownership too close to the insured’s death, as certain tax rules may include recently transferred policies in the taxable estate. For this reason, early planning and timely implementation are recommended. We work with clients to create a realistic timeline that accounts for document drafting, insurer coordination, and funding mechanisms so the trust functions as intended.
Yes, reviewing your ILIT and broader estate plan on a regular basis is important to ensure documents reflect current family circumstances, asset values, and legal changes. Although an ILIT is typically irrevocable, surrounding plans and administrative procedures may need updates. Regular reviews confirm that policies remain in force, that premium funding mechanisms continue to work, and that trustee and beneficiary designations are still appropriate given life events like births, deaths, marriages, or divorces. Periodic checkups also allow you to adapt to changes in tax law and financial markets that might affect the plan’s effectiveness. Scheduling reviews every few years or after major life events ensures the ILIT continues to meet your objectives and that all related estate planning documents remain consistent and coordinated.
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