An Irrevocable Life Insurance Trust (ILIT) can be a powerful estate planning tool for individuals and families who want to control how life insurance proceeds are distributed and to reduce potential estate tax exposure. At the Law Offices of Robert P. Bergman, we help clients in the March Air Force Base area understand whether an ILIT fits their overall plan and how it interacts with other documents like a pour-over will, revocable living trust, and powers of attorney. This page explains the basics of ILITs, common situations when they are used, and how they can be integrated into a practical estate plan that reflects your family’s goals and financial realities.
Choosing to place a life insurance policy in an ILIT involves legal, tax, and practical considerations that affect beneficiaries, liquidity at death, and long-term asset management. An ILIT can remove the death benefit from an individual’s taxable estate when established and administered properly, but it must be drafted carefully and funded in a way that meets legal requirements. We focus on clear explanations and tailored planning so you can decide with confidence. Whether you already own a policy or are considering a new purchase, this guide outlines how an ILIT works and the steps commonly taken to set one up and maintain it over time.
An ILIT offers several potential benefits that may align with your estate planning objectives, including protecting life insurance proceeds from inclusion in your taxable estate, providing controlled distributions to beneficiaries, and offering a vehicle to support ongoing family needs such as education or care of a dependent. Properly structured, an ILIT can provide liquidity to pay expenses or taxes without forcing the sale of other assets. It also enables grantors to set conditions on distributions, name a trustee, and coordinate beneficiary designations to reflect long-term intentions. Understanding these benefits helps determine whether an ILIT should be part of a comprehensive plan tailored to your circumstances.
The Law Offices of Robert P. Bergman assists clients across California with estate planning documents including revocable living trusts, wills, powers of attorney, and specialized trusts such as ILITs and special needs trusts. Our approach emphasizes practical, client-centered planning: listening to family goals, reviewing existing documents like pour-over wills and retirement plan trusts, and recommending durable solutions. We explain options in straightforward terms, coordinate with financial advisors when appropriate, and help implement trust funding and beneficiary designations. Clients choose our office for clear guidance, careful drafting, and attention to administrative details that keep plans working over time.
An ILIT is a trust that is intentionally made irrevocable and then designated as the owner and beneficiary of a life insurance policy, or funded by the proceeds of a policy transferred into the trust. Once the trust is established and funded according to legal formalities, the policy proceeds are held and distributed by the trustee according to the trust terms. This structure often removes the life insurance death benefit from the grantor’s estate for estate tax purposes, but timing, transfers, and retained incidents of ownership must be handled carefully to achieve the intended result. Proper administration includes ongoing gifts to the trust to cover premiums and clear communication about trust terms with trustees and beneficiaries.
Setting up and maintaining an ILIT requires attention to formalities such as executing the trust document, changing ownership and beneficiary designations with the insurer, and making gift contributions that cover premium payments. The trust should contain clear distribution provisions, successor trustee designations, and trustee powers to manage proceeds. A trustee will manage funds after a policyholder’s death, can provide liquidity for taxes and debts, and make discretionary or mandatory distributions as the trust directs. Because each family’s financial picture and goals differ, the ILIT’s drafting and funding need to be tailored to align with an estate plan that may include wills, trust certifications, and retirement plan trusts.
An Irrevocable Life Insurance Trust is a legal arrangement in which the creator transfers ownership of a life insurance policy into a trust that cannot be revoked or modified unilaterally by the grantor. The ILIT becomes the policy owner and beneficiary, removing the death proceeds from the grantor’s personal estate if structured correctly. The trustee then controls how proceeds are held and distributed, which can protect assets from creditors, provide for minors or beneficiaries with special needs, and preserve value for generational planning. The trust document specifies trustee duties, distribution standards, and any limitations on beneficiary access, allowing careful control of how insurance benefits are used after death.
Creating an ILIT typically involves drafting the trust instrument with clear beneficiary and trustee provisions, transferring an existing policy into the trust or arranging for the trust to own a new policy, and establishing a funding mechanism so the trust can pay premiums. Common processes include executing assignment forms, notifying the insurer, and setting up annual gift transfers from the grantor to trust beneficiaries or to the trust itself to cover premiums. Trustee responsibilities include recordkeeping, tax filings if required, and timely distributions according to the trust terms. Periodic reviews ensure the ILIT continues to reflect changes in family circumstances, law, or financial goals.
Understanding the terminology used in ILIT planning helps you make informed choices. Important concepts include ownership and beneficiary designations, gifts to the trust to fund premiums, the three-year lookback for transfers, trustee powers, and coordination with existing estate planning documents such as pour-over wills and revocable trusts. This section defines these terms in approachable language and explains how they affect the trust’s effectiveness. Clear definitions help trustees fulfill duties and beneficiaries understand how distributions are determined, which reduces confusion at a difficult time and supports smoother administration.
An Irrevocable Life Insurance Trust is a trust that holds life insurance policies and is structured so the grantor cannot unilaterally revoke it. The ILIT is typically the owner and beneficiary of a policy, enabling the death benefit to be managed by a trustee for the benefit of named beneficiaries. The trust document sets out how proceeds are to be used, whether for immediate liquidity, ongoing support, or specific purposes such as paying estate taxes or funding a special needs trust. Properly executed, an ILIT can be an effective tool for managing the disposition of insurance proceeds after the grantor’s death.
Trust funding refers to the process of providing assets to the ILIT so it can perform its intended role. For policies owned by the trust, the grantor often makes annual gifts to the trust to cover premium payments; these gifts may use annual gift tax exclusions when structured correctly. Trustees use those gifts to pay the insurer. Funding can also include transfers of an existing policy into the trust, which requires careful attention to rules such as the three-year lookback period that can affect estate inclusion if the grantor retains certain rights or incidents of ownership.
Beneficiaries are the individuals or entities who will receive distributions from the ILIT according to the trust terms, while the trustee is the person or institution charged with managing trust assets and making distributions. The trustee’s responsibilities include paying premiums when appropriate, keeping records, communicating with beneficiaries, and administering distributions consistent with the grantor’s directions. Selecting a trustee who understands fiduciary duties and is approachable for family members helps ensure smooth administration, timely payments, and adherence to the trust terms when the policy proceeds become available.
The three-year lookback rule is a tax consideration that can cause life insurance proceeds to be included in a grantor’s estate if the grantor transferred a policy into an ILIT within three years of death and retained incidents of ownership. To avoid inadvertent estate inclusion, transfer timing and retained rights must be planned carefully. The rule emphasizes the need to set up and fund the ILIT well in advance of expected changes, and to avoid arrangements that leave the grantor with control over the policy or trust assets that could trigger estate inclusion under tax laws.
When deciding between an ILIT and other estate planning tools, consider how each option affects control, tax treatment, liquidity, and administrative complexity. A revocable living trust offers flexibility and centralization of assets but does not remove life insurance proceeds from the taxable estate while the grantor retains ownership. A pour-over will can coordinate assets into a trust at death but does not address insurance ownership during life. An ILIT specifically addresses life insurance proceeds and can provide creditor protection and controlled distributions if drafted and funded correctly. Reviewing these differences in the context of family goals helps determine the right combination of documents.
For some individuals, a straightforward approach relying on a will or a basic revocable trust may adequately address their goals, particularly when estate tax exposure is unlikely and beneficiaries are straightforward adults who can manage a lump sum. In these situations, the administrative overhead and ongoing funding requirements of an ILIT may not be necessary. A carefully drafted will, durable power of attorney, and health care directive can provide essential protections and transfer instructions without the added complexity of a trust dedicated solely to life insurance proceeds.
If you do not own a significant life insurance policy and have no plans to purchase one, the primary rationale for an ILIT may be absent. In such cases, addressing asset transfer through revocable trusts, beneficiary designations on retirement accounts, and clear estate documents may be sufficient to meet family goals. Owners of smaller policies can still review beneficiary designations and consider whether other structures better match their needs without the administrative requirements of an ILIT, which is typically most beneficial when larger death benefits or specific distribution controls are in play.
A comprehensive plan coordinates wills, trusts, beneficiary designations, powers of attorney, and healthcare directives so all pieces work together. When life insurance is part of the mix, integration is important: an ILIT must be coordinated with retirement plan trusts, pour-over wills, and asset allocations so beneficiaries receive intended protections without unintended tax consequences. Comprehensive planning reduces overlap, clarifies administration responsibilities, and helps ensure that distributions are made efficiently, minimizing family disputes and ensuring that liquidity needs such as taxes or debts can be met without forced asset sales.
Families with beneficiaries who are minors, have disabilities, or need structured support often benefit from a coordinated approach that addresses both immediate liquidity and long-term care. An ILIT can fund specialized arrangements such as a special needs trust or provide safeguards for spendthrift beneficiaries, but it must be drafted to align with other documents like guardianship nominations and HIPAA authorizations. Comprehensive planning considers these interpersonal and practical needs to design durable protections and minimize the risk of misunderstandings or legal challenges after the grantor’s death.
Taking a comprehensive approach helps ensure that life insurance placements, beneficiary designations, and trust provisions all support the same goals. This coordination reduces the chance of contradictory instructions, unintended estate inclusion, or liquidity shortfalls. It also allows for consideration of tax planning, creditor protection, and the needs of multiple beneficiaries, including those who may require ongoing support. By integrating an ILIT with a broader estate plan, families can create a cohesive strategy that addresses immediate and future needs while preserving assets for intended recipients.
Comprehensive planning also enables proactive administration and smoother transitions at the time of death. Trustees and successor decision-makers will have access to organized documents, clear instructions, and coordinated beneficiary provisions, which reduces administrative delays and conflicts. When the ILIT is part of a unified plan, it functions as one element among revocable trusts, wills, and powers of attorney, allowing for efficient handling of taxes, debts, and distributions. This alignment can result in greater predictability for families and minimize the stress of post-death financial matters.
When insurance ownership and beneficiary designations are coordinated with trusts and wills, the chance of conflicting instructions or accidental estate inclusion decreases. A comprehensive plan sets clear priorities for distributions, identifies which assets provide liquidity for taxes and debts, and ensures that beneficiaries receive intended support according to the grantor’s wishes. This coordination helps trustees carry out their duties efficiently and makes it less likely that administrative or legal obstacles will delay distributions or reduce the value passed to beneficiaries.
A comprehensive estate plan allows grantors to tailor distribution mechanisms to family needs, balancing immediate liquidity with long-term preservation. An ILIT can specify mandatory payments for debts or education expenses, provide discretionary trust funds for ongoing support, and protect assets from creditors when appropriate. Combining these features with other trust arrangements, such as special needs or retirement plan trusts, creates structured options that protect beneficiaries while preserving flexibility for changing circumstances. Thoughtful drafting gives families clarity and practical tools to manage funds after the grantor’s death.
Regularly confirm that the insurer’s records reflect the ILIT as owner and beneficiary, since errors can undermine the trust’s intended benefits. Review policy paperwork after any change to the trust or to your personal circumstances to ensure designations are current. Keep copies of assignment forms, trustee acceptance documents, and correspondence with the insurance company in a safe place accessible to trustees. Clear documentation reduces the risk of inadvertent estate inclusion and makes administration smoother for trustees and beneficiaries at claim time.
Discuss the ILIT’s purpose and key provisions with successor trustees and primary beneficiaries in a straightforward way so they understand distribution standards and administrative steps to take when a claim arises. Provide trustees with a copy of the trust, contact information for the insurer, and instructions about where to find supporting documents like the policy, assignment forms, and funding records. Open communication reduces confusion during a stressful time, helps trustees act promptly, and ensures beneficiaries have reasonable expectations about timing and purpose of distributions.
An ILIT may be appropriate when you want to protect life insurance proceeds from estate inclusion, provide controlled distributions for beneficiaries, or ensure liquidity to cover estate taxes and debts without forcing asset sales. It is also useful when beneficiaries include minors or individuals who need protected distributions over time. By specifying trustee powers and distribution rules, an ILIT can reduce family disputes and align proceeds with long-term goals such as education funding or retirement support. Considering an ILIT as part of a broader estate plan helps identify where it offers material benefits.
You should also consider an ILIT when you own a substantial life insurance policy and want to ensure that the proceeds serve named beneficiaries according to specific instructions, rather than passing through probate or being subject to creditor claims. The trust structure can provide clarity and a management framework after your passing, which is particularly valuable for families with complex dynamics or significant assets. Evaluating the timing of transfers, funding mechanisms, and coordination with other documents will determine whether an ILIT is the right fit for your circumstances.
Families commonly consider an ILIT when large life insurance proceeds are expected, when beneficiaries include minors or adults who may need oversight, or when there is a desire to preserve value for future generations. Business owners may also use ILITs to provide liquidity for succession planning or to equalize inheritances among heirs. In other cases, individuals seek an ILIT to fund a trust for a loved one with special needs or to ensure that assets are available to pay estate taxes and administrative costs without disrupting other investments or property holdings.
When life insurance proceeds are sizable relative to an estate, placing a policy in an ILIT can help prevent those proceeds from increasing estate tax exposure for the grantor’s estate. The ILIT provides a structured way to manage significant sums, enabling trustees to make distributions that align with the grantor’s intentions while preserving other assets. This approach can be important for families with real property, business interests, or retirement accounts that should remain intact for heirs.
An ILIT is often used when beneficiaries are minors or adults who need oversight, since the trust allows the grantor to set ages, milestones, or conditions for distributions. This structure prevents direct large inheritances to young beneficiaries, provides for staged distributions, and can specify purposes such as education or housing. Trustees can make discretionary or mandatory payments according to the trust terms, reducing the likelihood of financial mismanagement and helping ensure that funds are used in ways the grantor intended.
Business owners can use an ILIT to provide liquidity that supports succession planning, pays estate settlement costs, or equalizes inheritances among family members who are not active in the business. The trust proceeds can be designated to buy out an interest, pay taxes related to the transfer of business assets, or support heirs who are not involved in operations. Thoughtful trust terms combined with other business succession documents create smoother transfers and reduce the risk of forced sales or family conflict.
The Law Offices of Robert P. Bergman assist clients in March Air Force Base and throughout Riverside County with ILITs and related estate planning needs. We provide clear explanations of how an ILIT fits within a broader plan, help draft and fund trusts, and coordinate beneficiary designations and supporting documents such as pour-over wills and HIPAA authorizations. Whether you are stationed at March AFB, live nearby, or have family in the area, we offer practical guidance to help you establish a plan that addresses tax, creditor, and family considerations while keeping administration straightforward.
Our practice emphasizes practical planning and clear communication to help families make informed decisions about ILITs and other trust arrangements. We work to simplify complex technical issues, explain the implications of funding and timing, and ensure trust terms reflect client priorities. From drafting the initial trust to coordinating policy transfers and documenting premium gifts, we support each administrative step so trustees and beneficiaries have the necessary information and documentation.
We prioritize careful drafting and ongoing review to keep estate plans current with changes in family circumstances, law, or financial situations. Our office helps clients integrate ILITs with revocable trusts, pour-over wills, and retirement plan trusts to create cohesive, practical solutions. Attention to detail at drafting and funding stages reduces the risk of unintended tax consequences and makes administration easier for those who will act after your passing.
Clients receive individualized attention to ensure the ILIT aligns with their goals, whether that means providing liquidity, protecting proceeds, supporting beneficiaries over time, or preserving value for future generations. We also provide guidance on recordkeeping for premium gifts and communication strategies for trustees and beneficiaries to reduce confusion and improve administration at a difficult time.
Our ILIT process begins with a thorough review of existing estate planning documents, life insurance policies, beneficiary designations, and family circumstances. We discuss objectives such as whether proceeds should be used for liquidity, education, or ongoing support, and then draft a trust tailored to those goals. After the trust is executed, we assist with policy assignments or new policy ownership transfers and set up funding mechanisms for premiums. We provide trustees with a clear packet of documents and instructions so administration proceeds smoothly when the time comes.
The first step is a focused meeting to review your current estate plan, insurance policies, and financial goals. During this meeting we identify whether an ILIT is appropriate, discuss funding strategies for premiums, and clarify distribution objectives for beneficiaries. This conversation informs the trust drafting and helps determine timing for policy transfers or ownership changes. We also identify related documents such as HIPAA authorizations, powers of attorney, and pour-over wills that should be coordinated with the ILIT.
We gather copies of your revocable trusts, wills, insurance policies, beneficiary designations, and any prior trust instruments to assess gaps and coordination needs. Reviewing these materials helps us identify whether transfers could trigger estate inclusion, whether beneficiary designations align with trust terms, and what administrative steps are required to change ownership with the insurer. This review ensures the ILIT is drafted to complement, not conflict with, existing documents.
We work with you to define specific goals for the ILIT such as tax planning, providing for minors, funding a special needs trust, or supporting business succession. With those objectives in mind, we recommend practical funding strategies, including annual gift transfers and trustee arrangements to cover premiums. This stage identifies the timing and mechanics for transfers to reduce risk of unintended tax consequences and to ensure the trust operates as intended when a claim is made.
After planning, we prepare the ILIT document with clear provisions for trustee powers, distributions, successor trustees, and coordination with other estate planning instruments. The trust language is tailored to reflect your goals and to address any specific family or tax considerations identified during the review. We then execute the trust according to legal formalities and provide certified copies to the trustee and relevant parties, ensuring everyone has the documents they need to fulfill their roles.
Drafting includes specifying how policy proceeds should be held and disbursed, whether for immediate expenses, staged distributions, or ongoing trust support. We include trustee authorities for investment, tax filings, and claims administration to ensure the trustee can act decisively and in accordance with the grantor’s wishes. Clear, practical language reduces ambiguity and supports effective administration in the trustee’s hands.
Once the trust is signed, we assist with necessary forms to transfer policy ownership or designate the trust as beneficiary. Coordination with the insurance company ensures records accurately reflect the trust’s ownership and beneficiary status. We also provide guidance on how to document premium gifts and set up a system for ongoing funding so the trust can maintain coverage without interruption.
After the ILIT is in place, we provide trustees and clients with instructions for recordkeeping, premium funding, and beneficiary communications. Periodic reviews are scheduled to confirm the trust remains aligned with life changes, new policies, or legal updates. We also assist with trustee transitions, trust certifications, and any necessary petitions, such as trust modification petitions or Heggstad petitions, if circumstances require adjustments that preserve the grantor’s intent while complying with legal requirements.
Trustees receive a packet including the trust, policy documents, assignment forms, and instructions for filing claims and making distributions. We advise on clear communication strategies to set expectations with beneficiaries and to document trustee decisions. This practical support helps trustees fulfill fiduciary duties and provides beneficiaries with transparency about how distributions will be managed.
We recommend periodic reviews of the ILIT and related estate documents to confirm they remain effective as family circumstances and laws change. Reviews include examining beneficiary designations, verifying insurer records, and ensuring funding mechanisms continue to cover premiums. When adjustments are needed, we guide clients through permissible changes and related filings such as trust modification petitions to keep the plan aligned with current objectives.
An Irrevocable Life Insurance Trust is a trust established to own and be the beneficiary of a life insurance policy so that the death proceeds are managed by a trustee for named beneficiaries according to the trust terms. When the trust is properly funded and the insurer recognizes the trust as owner and beneficiary, proceeds pass to the trustee and are not part of the grantor’s personal estate for tax purposes in many cases. The trust document sets out distribution rules, trustee powers, and successor trustees to provide a clear framework for administration. Creating an ILIT involves drafting the trust, transferring ownership or naming the trust as beneficiary, and establishing a method for paying premiums, typically through annual gifts to the trust. The trustee manages the policy after death and distributes funds according to the trust. Because the trust is irrevocable, careful planning and coordination with other estate documents are important to achieve intended results and avoid unintended estate inclusion or administrative problems.
You might consider an ILIT when life insurance proceeds are significant relative to your estate or when you want controlled distributions to beneficiaries rather than direct payouts. An ILIT can provide liquidity to pay estate settlement costs and offer protections for beneficiaries who are minors or who need managed distributions. If your primary goal is to remove life insurance proceeds from your taxable estate and to control how those funds are used after death, an ILIT is often the appropriate vehicle. However, an ILIT requires ongoing administration such as funding for premiums and attention to ownership records, so it may not be necessary for smaller policies or when flexibility is more important. Reviewing your overall plan, existing trusts, and beneficiary designations helps determine whether transferring a policy into an ILIT or arranging for a trust-owned policy better suits your goals.
Funding an ILIT commonly occurs through gifts from the grantor to the trust that the trustee then uses to pay insurance premiums. These gifts can be structured to make use of annual gift tax exclusions when appropriate, and documentation of each gift is important to support the trust’s administration. Some grantors establish formal funding schedules or transfer other assets to the trust to provide capital for premium payments if needed. Who pays the premiums will depend on the trust’s structure: often the grantor makes annual gifts to the trust specifically for premiums, but the trust may also hold liquid assets used to pay premiums. Clear recordkeeping of gifts and premium payments is essential to demonstrate the trust’s funding and to help trustees manage ongoing obligations without coverage lapses.
Risks of transferring a policy into an ILIT include potential inclusion of the death benefit in the grantor’s estate if transfers are made too close to the grantor’s death or if the grantor retains incidents of ownership. The three-year lookback can cause estate inclusion if the trust acquisition occurred within that period and the grantor kept control over the policy. Additionally, transferring a policy can trigger complications if insurer consents or assignment forms are mishandled. Administration risks include failing to document premium gifts, lapses in coverage if funding is inconsistent, or incorrect beneficiary designations that conflict with the trust. Careful drafting, proper timing, insurer coordination, and good recordkeeping mitigate these risks and support the ILIT’s intended benefits.
Yes. An ILIT can be structured to provide staged or discretionary distributions that support beneficiaries who need long-term assistance, such as those with disabilities or financial management challenges. By naming a trustworthy trustee and setting clear distribution standards, the ILIT can ensure proceeds are used for specified purposes like healthcare, education, housing, or ongoing living expenses without giving a large lump sum directly to a vulnerable beneficiary. When a beneficiary has special needs, the ILIT can coordinate with a separate special needs trust so that distributions do not affect eligibility for government benefits. Thoughtful drafting and coordination with other planning tools make it possible to deliver support while protecting public benefits and preserving funds for long-term care.
The three-year lookback rule can cause life insurance proceeds to be included in the grantor’s estate if the grantor transferred ownership of a policy into an ILIT within three years of death and retained certain incidents of ownership, such as the right to change beneficiaries or borrowed against the policy. To avoid this outcome, transfers to an ILIT should be completed well before the three-year window, and the grantor should relinquish rights that would be considered incidents of ownership. Because timing and retained rights are critical, careful planning is required to ensure estate exclusion. If a transfer within three years is unavoidable, other planning strategies can sometimes be used to manage estate exposure, but these decisions require detailed review of the individual situation and documentation.
If the insurer’s records do not reflect the trust as owner, the claim process can become complicated and coverage may not pay directly to the trust as intended. It is important to confirm insurer records after any ownership or beneficiary change and to retain proof of assignment and trustee acceptance. Correcting insurer records promptly reduces the risk of disputes and income or estate tax complications at claim time. If discrepancies arise, trustees should contact the insurer immediately with supporting documentation, and legal assistance may be needed to resolve registration errors. Timely coordination and documented communications help ensure the trust’s ownership and beneficiary designations are honored when a claim is filed.
Because an ILIT is irrevocable, the ability to change trustees or beneficiaries depends on the terms of the trust and applicable law. Many trusts include provisions for successor trustees and mechanisms to address trustee resignation, incapacity, or removal. Beneficiaries named in the trust are generally fixed, but some trusts provide limited flexibility through trustee discretion or through specified conditions for successor beneficiary designations. If changes are necessary due to unforeseen circumstances, the options depend on the trust language and whether parties can agree to a modification under state law. In some cases, court petitions such as trust modification petitions may be available to address changed circumstances, but these involve additional legal steps and should be considered carefully with legal counsel.
An ILIT should be coordinated with revocable trusts, pour-over wills, retirement plan trusts, and other estate documents so that beneficiary designations and ownership issues do not conflict. For example, naming a revocable trust as the beneficiary of an insurance policy while personally owning the policy can create ambiguous results; making the ILIT the owner and beneficiary clarifies intent. Similarly, pour-over wills can funnel probate assets into a trust, but life insurance owned by an ILIT bypasses probate and is managed by the trustee according to the ILIT’s terms. Coordination also involves beneficiary designations on retirement plans and ensuring that taxes, creditor concerns, and family needs are harmonized across documents. Reviewing the whole plan together prevents unintended consequences and ensures each element reinforces the others to achieve your estate planning goals.
To begin, contact our office to schedule an initial consultation where we review your existing documents, life insurance policies, and family objectives. During that meeting we discuss whether an ILIT fits your plan, funding strategies for premiums, and any timing considerations such as the three-year lookback. This assessment informs the drafting process and helps determine next steps for policy transfers or trust-owned policy purchases. If you decide to proceed, we draft a trust tailored to your goals, assist with execution and coordination with the insurer, and provide trustees with a clear packet of documentation and instructions for funding and administration. Periodic reviews are recommended to ensure the ILIT remains aligned with changes in circumstances or law.
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