An irrevocable life insurance trust (ILIT) can be an important component of a thoughtful estate plan for households with substantial life insurance policies or complex family circumstances. This page explains how an ILIT works, why clients in Valle Vista and greater Riverside County choose to place life insurance policies in trust, and what steps are involved when you work with the Law Offices of Robert P. Bergman. We focus on clear drafting, thoughtful trustee selection, and coordination with other estate planning documents so your intentions are honored and proceeds are administered according to your wishes.
Many families seek reliable strategies to manage life insurance proceeds, minimize exposure to estate tax, and provide orderly distributions to beneficiaries. An ILIT separates the policy from your taxable estate, helps preserve proceeds for intended heirs, and can provide protections from creditors or unintended claims. Our goal is to make the process understandable and manageable, so clients in Valle Vista can make informed decisions about trustee selection, gifting strategies to fund the trust, and the interaction between the ILIT and other documents such as wills, powers of attorney, and health care directives.
An ILIT provides control over how life insurance proceeds are managed and distributed after your death, which can benefit families who want to avoid probate complications and reduce potential estate tax exposure. By placing a policy into an irrevocable trust, the policy proceeds are typically kept outside of the estate for tax purposes, and distributions can be tailored to meet specific needs of beneficiaries. An ILIT can also help preserve asset value for long‑term goals, provide liquidity to pay expenses, and create safeguards for vulnerable beneficiaries. Properly drafted, it aligns insurance planning with your overall estate objectives.
The Law Offices of Robert P. Bergman serve clients across California with a focus on estate planning matters including trusts, wills, powers of attorney, and advanced planning tools such as irrevocable life insurance trusts. Our attorneys bring many years of hands-on practice helping families structure arrangements to reflect personal goals and protect legacy assets. We work collaboratively with clients to review existing policies, assess tax and creditor considerations, and prepare trust documents and related instruments like pour-over wills, certification of trust, and assignment forms that align with each client’s circumstances and family dynamics.
An ILIT is a trust created to own and control one or more life insurance policies while the grantor is alive and to receive policy proceeds after the insured’s death. The grantor transfers ownership of the policy to the trust, designates a trustee to hold and administer the policy, and names beneficiaries who will receive distributions from trust assets. Once established and properly funded, an ILIT can remove insurance proceeds from the grantor’s taxable estate, provide creditor protection depending on circumstances, and establish rules governing how and when beneficiaries receive funds rather than allowing an outright lump‑sum distribution.
Creating an ILIT involves clear drafting of the trust agreement, selecting a trustworthy and capable trustee, legally transferring ownership of the policy into the trust, and arranging a gifting method to cover trust premium payments if the trust will be responsible for ongoing premiums. Coordination with other estate planning documents is important to ensure beneficiary designations, wills, and powers of attorney all reflect the client’s overall wishes. The trust must be irrevocable to achieve the primary tax advantages, so careful consideration of long‑term implications and contingencies is a critical part of the planning process.
An irrevocable life insurance trust is a legal entity created by a grantor to hold life insurance policies outside of the grantor’s estate. The trust is governed by a trust agreement that names a trustee responsible for managing the policy, paying premiums if the trust holds responsibility, and distributing proceeds to designated beneficiaries after the insured’s death. Because the grantor relinquishes ownership and control, the trust is typically not included in the grantor’s estate for tax purposes, provided formal requirements are met. The trust document can also set conditions or schedules for distribution to ensure proceeds are used as intended.
Key elements of an ILIT include the trust instrument itself, a trustee who will administer the trust, beneficiary designations, and clear instructions on premium funding and distribution of proceeds. The process usually begins with an information gathering meeting, review of existing policies and financial goals, selection of a trustee, and preparation of trust documents. After execution, ownership of the policy is transferred to the trust and any necessary notices are sent to beneficiaries. If the trust will pay premiums, the grantor often makes annual gifts to the trust, and those gifts may be structured to qualify for the annual exclusion under federal gift tax rules when applicable.
Understanding common terms helps demystify the ILIT process. Important vocabulary includes the grantor who creates the trust, the trustee who administers it, beneficiaries who receive proceeds, and terms relating to gift tax and premium funding. Familiarity with these concepts helps clients evaluate trustee choices, funding methods, and coordination with other estate planning instruments such as pour‑over wills, powers of attorney, and advance health care directives. This glossary below provides plain‑language definitions to help you feel confident discussing an ILIT with your legal advisor and family.
The grantor, sometimes called the settlor, is the person who creates the trust and transfers assets into it. In the context of an ILIT, the grantor typically transfers ownership of a life insurance policy into the trust and may make gifts to the trust to fund premium payments. Because the trust is irrevocable, the grantor gives up ownership and direct control over the policy once the transfer is complete. Selecting the grantor’s intentions, timing of gifts, and clarity in the trust document are essential to ensure that the trust accomplishes the grantor’s objectives while minimizing unintended tax or administrative consequences.
A Crummey withdrawal right is a mechanism used to allow annual gifts into an ILIT to qualify for the gift tax annual exclusion. Under this approach, beneficiaries are given a short window to withdraw gifted funds, which creates a present interest necessary for the gift tax exclusion. In practice, trustees send notice to beneficiaries informing them of the withdrawal right, but many beneficiaries choose not to exercise it, allowing the contributions to remain in the trust to pay premiums. Properly administered Crummey powers require careful documentation to maintain tax compliance and preserve the intended benefits of the ILIT.
The term irrevocable indicates that once the trust is created and funded, the grantor has generally given up the ability to change key terms or reclaim trust assets. This contrasts with revocable trusts, where the grantor retains the ability to modify or revoke the trust during their lifetime. The irrevocable nature of an ILIT is what often enables the removal of the life insurance proceeds from the estate for tax purposes. Because that permanence has significant implications, clients must carefully consider contingencies, successor trustees, and distribution terms before establishing an irrevocable arrangement.
Transferring ownership of a life insurance policy to an ILIT involves executing formal assignment documents and updating the insurer’s records to reflect the trust as the new owner and policyholder. The trust then becomes responsible for policy decisions, premium payments if provided for, and the ultimate receipt of proceeds. Accurate documentation is essential to ensure the transfer is recognized and to achieve intended tax and estate outcomes. Many clients also coordinate beneficiary designations and related estate planning instruments to ensure there are no conflicting claims or unintended consequences upon the insured’s death.
A limited planning approach may be suitable for households with modest life insurance and straightforward beneficiary arrangements, where simple beneficiary designation updates and a will may suffice. By contrast, a full ILIT-based strategy is aimed at those who want to keep significant policy proceeds out of their taxable estate, manage distributions, or provide protections for beneficiaries. Assessing which path is appropriate depends on family dynamics, policy size, tax considerations, and long‑term goals. A careful review of current policies and overall estate documents will reveal whether a targeted adjustment or a comprehensive trust approach is preferable.
When life insurance policies are relatively modest in value and beneficiaries are immediate family members with no special needs or creditor exposure, a limited approach focused on clear beneficiary designations and coordination with a will can meet most goals. In such cases, avoiding the complexity of trust formation and ongoing administration may be the more efficient route. However, even in simpler situations, periodic reviews are important to confirm that beneficiary designations remain current and that the policy ownership aligns with broader estate planning objectives as family circumstances evolve.
If there are no concerns about potential creditor claims, contested inheritances, or tax exposure, families with predictable distributions and limited assets may prefer a straightforward plan. Simple trusts or beneficiary updates can accomplish distribution goals without the administration responsibilities an irrevocable trust requires. Even so, it is helpful to periodically reassess whether future changes in wealth, family composition, or health might prompt a move to a more robust strategy that provides additional structure, protection, or tax planning opportunities in the years ahead.
Families with large life insurance policies often need careful planning to prevent policy proceeds from increasing the grantor’s gross estate and creating unnecessary estate tax exposure. An ILIT, when properly implemented and timed ahead of certain lookback periods, can help ensure the proceeds are received and managed outside the estate. A comprehensive approach also integrates the trust with other documents to address liquidity needs, payment of debts and taxes, and orderly transfers to beneficiaries to avoid forced asset sales or family disputes at a difficult time.
Blended families, beneficiaries with special needs, or persons subject to creditor claims can benefit from a comprehensive ILIT structure that controls timing and conditions of distributions. By setting terms for payouts, appointing trustees who will manage funds responsibly, and coordinating with special needs trusts or guardianship nominations where appropriate, a comprehensive plan can protect the intended legacy and reduce the chance of unintended outcomes. This level of planning helps ensure proceeds support long‑term objectives rather than being vulnerable to mismanagement or external claims.
A comprehensive approach that includes an ILIT provides multiple benefits: potential removal of life insurance proceeds from the taxable estate, structured distributions to preserve assets for beneficiaries, and clear administration processes that reduce delays and disputes. When combined with other planning documents such as revocable living trusts, pour‑over wills, powers of attorney, and advance health care directives, the ILIT becomes part of a cohesive plan that addresses both financial and personal care decisions across predictable contingencies and unexpected events.
Beyond tax and distribution considerations, a coordinated plan can provide liquidity at death for estate obligations, create protections against creditors in certain situations, and set rules for successor management so the client’s wishes remain central. A comprehensive trust approach also supports planning for beneficiaries with special needs or young heirs by providing trustee guidance, spending limitations, and educational or support directives that align with the client’s legacy intentions and family circumstances.
When ownership of a life insurance policy is properly transferred to an irrevocable trust and formalities are observed, policy proceeds can be excluded from the taxable estate, which can preserve more value for beneficiaries. This planning tool is particularly useful for individuals whose overall estate may be large enough to trigger estate taxes or for those who want to ensure that life insurance serves specific legacy goals rather than being subject to general estate administration. Timing, documentation, and consistent administration are essential to secure this benefit.
An ILIT allows the grantor to set clear terms for how proceeds are used, including staged distributions, funds for education or health needs, or provisions for long‑term care and support. By naming a trustee and outlining discretionary authority and payout schedules, the grantor reduces the risk of impulsive or unintended use of funds. This level of control can provide lasting peace of mind for grantors who want to protect beneficiaries from poor financial decisions or protect proceeds from external claims while still providing for essential needs.
Begin discussions about an ILIT well before any anticipated need to transfer ownership of a life insurance policy. Early planning allows for orderly funding, consideration of lookback periods that affect estate inclusion, and time to coordinate the ILIT with other estate planning documents. Early steps include reviewing existing policies, assessing beneficiary designations, and deciding whether to transfer ownership now or to purchase a new policy through the trust. Thoughtful timing reduces the risk of unintended tax or administrative complications later on.
An ILIT cannot be considered in isolation; effective planning requires reviewing your will, revocable trusts, powers of attorney, advance health care directives, and beneficiary designations. Make sure the trust complements documents such as pour‑over wills, certification of trust forms, and assignments of assets, and that it aligns with retirement plan or other non‑probate assets. Consistency across documents helps prevent conflicts and ensures the client’s intentions are respected when the time comes to administer the estate.
Consider an ILIT if you want to remove large life insurance proceeds from your taxable estate, impose structure on distributions to beneficiaries, or create protections against potential creditor claims in certain situations. An ILIT can also provide liquidity to pay estate expenses and create dedicated funds to support minors, beneficiaries with health concerns, or family members with limited financial management experience. The decision should account for long‑term goals, family composition, and how insurance fits into your broader asset picture.
Families facing blended relationships, potential contested inheritances, or beneficiaries with ongoing care needs may find particular value in a trust arrangement that controls timing and conditions of distributions. Similarly, when life insurance is a major component of a legacy plan, placing the policy in an ILIT allows the grantor to tailor use of proceeds for education, business continuation, or charitable intentions. Proper legal drafting and coordination with tax and financial advisors help ensure the ILIT achieves intended results without unforeseen consequences.
Typical circumstances that prompt consideration of an ILIT include owning substantial life insurance policies, having complex family dynamics such as blended families or beneficiaries with special needs, facing potential creditor exposure, or wanting to ensure liquidity at death to pay taxes and debts. Other considerations include succession planning for business interests where proceeds may be needed to fund buyouts, or philanthropic goals where the client wants to direct life insurance proceeds to charities in a controlled manner. Each situation requires tailored planning to align with specific objectives.
When life insurance policies represent a significant portion of overall wealth, transferring ownership to an ILIT can prevent those proceeds from being treated as part of the taxable estate, potentially preserving more value for beneficiaries. Large policies can trigger estate tax planning concerns, and placing policies in trust allows for more control over distribution terms and use of proceeds. The transfer should be carefully timed and documented to achieve the intended estate planning outcome without jeopardizing policy validity or coverage.
Blended families often need mechanisms to balance competing interests between a surviving spouse and children from prior relationships. An ILIT can provide a neutral vehicle to hold insurance proceeds and direct distributions according to the grantor’s wishes, ensuring legacy goals for multiple family branches. Similarly, when business succession or buyout funding is needed, an ILIT can be structured to ensure proceeds are available to meet those obligations while protecting the assets for intended beneficiaries.
If beneficiaries have special needs or face creditor exposure, an ILIT can impose distribution rules and work in concert with special needs trusts to protect eligibility for public benefits while providing for additional support. For beneficiaries at risk from creditor claims, a trust structure creates a controlled framework that reduces the likelihood of immediate attachment by creditors. Drafting these arrangements requires attention to the interactions between public benefit rules, trust terms, and the specific goals of the grantor to maintain intended protections.
The Law Offices of Robert P. Bergman assist Valle Vista and Riverside County residents with creating and administering ILITs as part of a complete estate planning strategy. Our practice helps clients review life insurance policies, prepare trust agreements, handle ownership transfers, and coordinate premium funding arrangements. We also work with clients to integrate ILITs with documents such as revocable living trusts, pour‑over wills, powers of attorney, and advance health care directives to ensure the client’s goals are achieved and beneficiaries receive funds according to the intended plan.
Clients choose our firm because we provide practical, results‑oriented planning tailored to individual circumstances. We take time to understand family dynamics, financial structures, policy details, and long‑term goals so the ILIT and related documents align with your objectives. Our approach emphasizes clear communication during drafting, precise documentation for ownership transfers, and careful coordination of gifting strategies to fund premiums while observing relevant tax provisions.
We assist with the full range of estate planning documents that commonly interact with an ILIT, including revocable living trusts, pour‑over wills, certification of trust, general assignment of assets to trust, HIPAA authorization, guardianship nominations, and advance health care directives. This integrated service helps reduce conflicts between instruments and creates a coherent plan for incapacity, death, and the administration that follows. Our aim is to deliver durable documents that reflect each client’s wishes and adapt to reasonable changes over time.
The firm serves clients across California and will coordinate with financial advisors, insurance agents, and tax advisors as needed to implement trust funding and premium strategies. We provide guidance on trustee selection, successor trustee provisions, and administrative procedures to maintain compliance and practical day‑to‑day management of the trust. To discuss how an ILIT might fit into your estate plan, contact our office and we will schedule a time to review your policies and objectives.
Our legal process begins with a focused conversation to understand your goals and to gather relevant documents such as insurance policies, existing trusts, wills, and beneficiary designations. We then assess whether an ILIT is suitable and advise on trustee options, funding strategies, and potential tax considerations. If you proceed, we draft the trust document, prepare assignment and ownership transfer paperwork, coordinate with the insurer to update records, and provide ongoing guidance for administration and premium funding. Clear communication and careful documentation are hallmarks of our process.
The initial phase focuses on information gathering and a careful review of current policies and estate documents. During this stage, we identify the owner and beneficiary designations, review policy terms and cash values, and assess whether a transfer to an ILIT accomplishes your goals. We also discuss the intended trustee, funding sources for premiums, and any special distribution terms you want included. This review allows us to present options and explain the implications of creating an irrevocable arrangement so you can make an informed decision.
We examine the existing life insurance policies to confirm ownership, beneficiary designations, premium schedules, and any surrender or loan values. This review also identifies whether transferring ownership to a trust will affect policy benefits or require insurer consents. If a new policy is preferable, we coordinate with agents to structure the purchase through the trust. Careful assessment prevents surprises and ensures the chosen approach aligns with your estate planning and liquidity objectives.
Selecting an appropriate trustee and planning how premiums will be paid are critical early decisions. We discuss potential trustees, successor options, and the level of discretion trustees should have in administering distributions. We also evaluate funding options, including annual gifts that utilize gift tax exclusions or other funding mechanisms, and explain how notices and documentation should be handled to preserve intended tax treatment and administrative clarity.
Once the initial decisions are made, we prepare the trust document tailored to your goals, draft assignment and transfer instruments, and work with the insurer to change policy ownership and update beneficiary designations as needed. The trust will include clear trustee powers, distribution provisions, and provisions for successor trustees and administration. We will provide the client with executed copies and guidance on record keeping to ensure the transfer and trust administration proceed smoothly and remain consistent with applicable rules.
The trust agreement is drafted with precise language to specify trustee powers, distribution terms, and any limitations or conditions for beneficiaries. We also prepare related documents such as certifications of trust, general assignments, and pour‑over provisions if the trust needs to integrate with a revocable trust or will. Clear, comprehensive documentation helps trustees fulfill their duties and provides clarity for beneficiaries and financial institutions involved in trust administration.
After documents are executed, we complete assignment paperwork and submit required forms to the insurer to change policy ownership to the ILIT. We confirm the insurer’s acknowledgment, update policy records, and ensure premium payment instructions are aligned with the trust funding plan. Documentation of the transfer and consistent record keeping are essential for demonstrating proper administration in the event of later inquiries or claims.
Following funding and transfer, ongoing administration includes tracking premium payments, sending required notices such as those related to Crummey withdrawal rights, maintaining clear records, and preparing for eventual claims and distributions at the insured’s death. Periodic reviews are recommended to confirm the trust remains aligned with your overall plan and to adjust for changes in tax law, family circumstances, or financial goals. We provide guidance and documentation support to trustees throughout the administration period.
Trustees are responsible for maintaining trust records, paying premiums from trust funds or coordinating gifts to the trust, communicating with beneficiaries, and ensuring distributions occur per the trust terms. We advise trustees on best practices for documentation, beneficiary notices, and interactions with insurers, and are available to assist with questions that arise during administration to ensure compliance with the trust instrument and relevant legal requirements.
Regular reviews help ensure the ILIT and related documents remain consistent with evolving goals and circumstances. We recommend periodic check‑ins to confirm beneficiary designations, trustee availability, and funding strategies continue to meet objectives. Coordination with other estate planning instruments such as wills, revocable trusts, powers of attorney, and advance health care directives ensures a cohesive plan that addresses incapacity, administration, and distribution needs as family and financial situations change over time.
An irrevocable life insurance trust is a trust created to hold life insurance policies outside the grantor’s taxable estate. The grantor transfers ownership of a policy to the trust, names a trustee to manage it, and designates beneficiaries to receive trust assets when the insured dies. Because the trust is irrevocable, the grantor generally relinquishes control over the policy and the proceeds become trust property. The trust document governs how proceeds are handled, whether the trust pays premiums, and the timing and manner of distributions to beneficiaries. The practical effect of placing a policy in an ILIT is to separate the policy from the grantor’s estate for many estate planning purposes. Properly structured transfers and adherence to timing and documentation requirements are important to achieve the desired tax and administrative results. Trustees are responsible for managing the policy and executing distributions in accordance with the trust terms, and coordination with other estate planning instruments helps ensure the ILIT functions as intended.
Transferring policy ownership to an ILIT generally does not change the life insurance coverage itself, but it does change who controls the policy and who receives the proceeds. The trust, as the new owner, becomes the policyholder and is responsible for decisions such as premium payments, policy loans, or surrender. It is important to coordinate with the insurer to effect the ownership change properly so benefits are preserved and the policy remains in force according to its terms. Before transferring, it is important to understand any policy provisions that could be triggered by a change of ownership, such as contestability periods, incontestability clauses, or potential impacts on riders. In some cases, purchasing a new policy through the trust or obtaining insurer confirmation of acceptable transfer terms may be advisable. A careful review prevents unintended lapses in coverage or disputes at the time of claim.
An ILIT can help reduce potential estate tax exposure because life insurance proceeds owned by the trust are generally excluded from the grantor’s taxable estate, assuming transfers are made well in advance of any applicable lookback periods and formalities are observed. The specific tax outcome depends on federal and state tax rules and individual circumstances, including the total value of the estate and any gifts to the trust used to fund premiums. Timing matters: transfers into an ILIT must account for rules that may include a lookback or inclusion period during which transferred policies may still be treated as part of the taxable estate. Careful planning and documentation help demonstrate the intent and proper administration of the trust, and working with advisors ensures the approach aligns with current tax rules and personal financial objectives.
A trustee should be someone who is reliable, organized, and capable of handling administrative duties and financial decisions in accordance with the trust terms. Common choices include a trusted family member, a friend with financial acumen, a professional fiduciary, or a corporate trustee. The right choice depends on family dynamics, the complexity of trust administration, and the trustee’s willingness and ability to perform duties such as paying premiums, maintaining records, and communicating with beneficiaries and insurers. It is prudent to name successor trustees and outline clear trustee powers in the trust document to address potential future changes. If the trust will involve significant assets, ongoing management, or complex distribution terms, a trustee with fiduciary experience or access to professional support may provide steadiness and impartial administration for beneficiaries over time.
Premiums for a policy owned by an ILIT can be funded in several ways depending on the trust’s terms. Often, the grantor makes annual gifts to the trust that the trustee uses to pay premiums, and those gifts can be structured to qualify for the annual gift tax exclusion using present interest mechanisms. Alternatively, the trust might hold other assets used to pay premiums, or the grantor may fund the trust with a lump sum or ongoing contributions according to a prearranged plan. Proper documentation of gifts and notices to beneficiaries is important when employing annual exclusion strategies. Trustees should maintain clear records of premium payments and any gift notices sent to beneficiaries, and coordination with tax and financial advisors helps ensure funding methods are consistent with the grantor’s overall financial plan and current tax rules.
Because an ILIT is, by definition, irrevocable, the grantor generally cannot unilaterally revoke or change the trust once it is properly executed and funded. That permanence is what enables many of the trust’s planning benefits, but it also means that decision makers should carefully consider the trust terms, trustee selection, and funding strategies before establishing the ILIT. In some limited circumstances, changes may be achieved through court petitions or with the consent of all beneficiaries where permitted by law, but these options can be complex and are not guaranteed. Before creating an ILIT, clients should discuss contingencies, successor trustee provisions, and potential mechanisms to handle unforeseen changes. Designing the trust with flexibility where possible, such as by allowing trustee discretion or including decanting provisions if permitted, can help address future developments while still preserving the trust’s core planning functions.
An ILIT can be coordinated with special needs planning by directing life insurance proceeds to a qualified special needs trust or by including provisions that preserve eligibility for public benefits while providing supplemental support. The ILIT’s distribution terms can be tailored to ensure funds are used for allowable needs such as medical care, education, and quality‑of‑life enhancements without displacing government benefits. Proper drafting is essential to avoid unintended disqualifications for means‑tested programs. Coordination between the ILIT and any special needs trust requires careful drafting and alignment of beneficiary designations and trustee instructions. Working with advisors familiar with public benefit rules and trust administration helps ensure that the combined structure supports beneficiary needs while protecting access to appropriate government assistance.
After the insured’s death, a trustee’s responsibilities often include making a claim with the insurer, receiving the proceeds, paying any permitted expenses or debts specified by the trust, and distributing the remaining funds to beneficiaries according to the trust terms. Trustees must maintain thorough records, communicate with beneficiaries, and adhere to the trust provisions regarding timing and conditions of distributions. The trustee’s role is fiduciary in nature, requiring careful attention to duties and potential conflicts of interest. In many cases, the trustee will also coordinate with estate representatives, tax advisors, and other professionals to ensure distributions are handled in a tax‑efficient manner and that any required notices or filings are completed. Clear documentation and adherence to trust instructions help reduce disputes and streamline administration for beneficiaries.
A revocable living trust serves different functions than an ILIT. A revocable trust allows the grantor to retain control and modify terms during life, while an ILIT is intended to provide irrevocable ownership of life insurance policies and particular tax and distribution outcomes. For many clients, both instruments have a role: the revocable trust can handle probate avoidance and management of assets during incapacity, while the ILIT specifically addresses life insurance ownership and distribution control to achieve certain estate planning objectives. Determining whether you need an ILIT in addition to a revocable trust depends on policy size, tax considerations, beneficiary needs, and the desire to exclude insurance proceeds from the taxable estate. A thorough review of your overall plan will clarify whether a single instrument suffices or whether separate, coordinated trusts are advantageous.
To start the ILIT process in Valle Vista, contact the Law Offices of Robert P. Bergman to schedule an initial consultation. Prepare relevant documents such as life insurance policies, beneficiary designations, existing trust and will documents, and financial information so we can assess how an ILIT would fit into your overall plan. During the consultation, we will review options, explain timing considerations, and outline next steps including drafting, execution, and transfer of ownership documents. If you decide to proceed, we will prepare the trust agreement tailored to your goals, assist with trustee selection, coordinate with the insurer to change policy ownership, and provide guidance on funding the trust. We will remain available to support trustees in administration and to conduct periodic reviews to ensure your plan continues to meet your objectives.
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