An Irrevocable Life Insurance Trust (ILIT) is a legal arrangement used to hold a life insurance policy outside of an individual’s probate estate. Creating an ILIT transfers ownership of the policy to a trust so that future insurance proceeds can pass directly to named beneficiaries under the trust terms. This approach can help the family receive proceeds without probate delay and can reduce estate administration complexity. An ILIT also defines how proceeds are distributed and managed, which can provide clarity and protect beneficiaries from unintended estate tax consequences or creditor claims when properly implemented under California law.
At the Law Offices of Robert P. Bergman, clients in Fair Oaks and Sacramento County receive focused estate planning services that include creation and administration of Irrevocable Life Insurance Trusts. Our firm prepares the necessary trust documents, assists with transferring ownership of policies, and coordinates trustee responsibilities to help align the trust with your broader estate plan. We serve clients across California and are available to discuss how an ILIT could fit into your goals, from preserving wealth for heirs to managing long-term distributions. Contact us at 408-528-2827 to arrange a consultation tailored to your circumstances.
An Irrevocable Life Insurance Trust offers several practical benefits for families planning for the future. By keeping insurance proceeds outside of the probate estate, an ILIT can reduce probate administration costs and speed access to funds for beneficiaries. It also creates a controlled distribution mechanism, allowing trustees to manage or stagger payments for heirs who may need protection from creditors or who are not ready to inherit a large lump sum. In some circumstances, an ILIT can help limit the estate’s exposure to certain taxes and ensure that life insurance proceeds are allocated according to the grantor’s wishes rather than default probate rules.
The Law Offices of Robert P. Bergman assists clients with comprehensive estate planning, including the drafting and funding of Irrevocable Life Insurance Trusts. Serving Fair Oaks, Sacramento County, and clients across California, the firm emphasizes careful document drafting, clear communication with trustees and beneficiaries, and practical advice about managing insurance policies within a trust. We help clients understand trustee duties, design distribution schedules, and prepare related documents such as certification of trust, pour-over wills, and powers of attorney. Our practice aims to provide reliable guidance and thorough preparation for trust administration and long-term estate planning needs.
An Irrevocable Life Insurance Trust is created when an individual transfers ownership of an existing life insurance policy or arranges for a new policy to be owned by the trust. Once ownership is transferred, the trust becomes the policyholder and the trust terms govern how proceeds are to be used and distributed after the insured’s death. The grantor typically names a trustee to administer the trust for designated beneficiaries. Because the trust is irrevocable, the grantor generally cannot reclaim ownership of the policy or amend the trust terms without satisfying strict legal conditions, so establishing an ILIT requires careful planning and clear identification of goals.
Funding and administering an ILIT involves several steps that must be coordinated to achieve intended results. The policy must be validly transferred to the trust, premium payments must be handled in a way that does not create unintended tax consequences, and notices to beneficiaries may be necessary when gifts are made to the trust. Trustees will have responsibilities such as managing policy premiums, handling loans or surrenders if necessary, and distributing proceeds in accordance with the trust terms. Proper setup and ongoing administration help ensure the ILIT functions as intended when life insurance proceeds are payable.
An Irrevocable Life Insurance Trust is a trust into which life insurance policies are placed so that death benefits are owned by the trust rather than the insured individual. Ownership by the trust keeps proceeds outside of the insured’s probate estate, and the trust document specifies beneficiaries, distribution timing, and trustee powers. The trustee holds the policy, pays premiums, and receives proceeds to distribute according to the trust instructions. Because the trust is irrevocable, the grantor gives up the ability to control the policy directly, and decisions about payments and distributions are carried out by the named trustee in line with the trust terms and applicable law.
Key elements of most Irrevocable Life Insurance Trusts include the trust document itself, naming of the trustee and beneficiaries, transfer of policy ownership to the trust, and a plan for funding premium payments. Additional processes may include preparing a certification of trust, coordinating beneficiary designations, and documenting transfers to avoid unintended tax consequences. Trustees must maintain records, manage the policy, and follow distribution rules set in the trust. Careful drafting and coordination with existing estate planning documents such as wills, powers of attorney, and health care directives help integrate the ILIT with an overall plan.
Understanding common terms used in trust planning helps demystify the ILIT creation process. The grantor is the person who establishes and funds the trust. The trustee manages the trust assets according to the trust terms and duties under law. Beneficiaries are those who receive trust benefits, and the trust document outlines how and when distributions occur. Additional documents often referenced include certification of trust and pour-over wills. Familiarity with these terms can help you ask informed questions and make decisions that align with your estate planning objectives in California.
The grantor, sometimes called the trustmaker, is the individual who creates the trust and transfers assets into it. In the context of an Irrevocable Life Insurance Trust, the grantor typically arranges for a life insurance policy to be owned by the trust and sets out instructions for how proceeds should be distributed. Because the trust is irrevocable, the grantor’s ability to change the trust terms or reclaim the assets is limited. The grantor’s intent, detailed in the trust document, guides trustee actions and helps ensure that insurance proceeds are administered in the manner the grantor intended after the grantor’s death.
An irrevocable trust is a trust structure that, once executed and funded, generally cannot be revoked or altered by the grantor without the agreement of the beneficiaries or compliance with legal procedures. This permanence is what allows certain benefits, such as keeping assets outside of a probate estate and potentially shielding them from some claims. For life insurance planning, placing a policy in an irrevocable trust means the trust holds the policy and receives the death benefit for distribution under the trust terms. The irrevocable nature requires thoughtful planning to ensure the trust aligns with long-term goals.
A trustee is the person or institution appointed to manage the trust assets and carry out the instructions set forth in the trust document. In an ILIT, the trustee is responsible for maintaining the insurance policy, paying premiums when applicable, and distributing proceeds to beneficiaries in accordance with the trust’s terms. Trustees owe fiduciary duties to the beneficiaries, including the duties of care and loyalty, and must keep accurate records. Choosing a trustee who will follow the grantor’s wishes and manage trust assets prudently is an important decision in trust planning.
A beneficiary is an individual or entity named in the trust to receive benefits from the trust assets, including life insurance proceeds held by an ILIT. Beneficiaries may receive distributions outright, in staged payments, or through guidelines set by the trust to address needs such as education, health care, or support for a disabled family member. The trust document controls how beneficiaries receive funds and can include provisions to protect assets from creditors or to ensure that funds are managed responsibly. Clear beneficiary designations support effective long-term planning and help avoid ambiguity when distributions are made.
When considering legal assistance for an Irrevocable Life Insurance Trust, clients often weigh limited service options against a comprehensive planning approach. Limited services might involve drafting a single trust document or providing discrete assistance with transferring a policy, while comprehensive planning covers coordination among all estate documents, funding strategies, and trustee instructions. Comprehensive planning seeks to align the ILIT with the broader estate plan to reduce unintended consequences. Choosing the right approach depends on your goals, complexity of assets, family dynamics, and whether you want ongoing guidance through funding and administration steps.
A limited approach can be appropriate when the planning involves a single life insurance policy and straightforward beneficiary objectives. If the estate is small, family relationships are uncomplicated, and there are no significant tax or creditor concerns, tailored assistance to draft the ILIT document and complete the ownership transfer may suffice. This approach can be efficient for clients who need a clear ownership transfer and basic trustee instructions without an extensive review of other estate planning documents or complex funding strategies. Even in these cases, confirm that the transfer and premium payment arrangements are properly documented.
Another circumstance for a limited approach is when existing estate planning documents already align with your wishes and only minimal additional paperwork is required to integrate an ILIT. If a client asks for a focused service to prepare the trust, a certification of trust, and the assignments necessary to place an existing policy into the trust, a limited engagement can address those needs efficiently. It is important to ensure that any limited service still addresses potential tax implications and documents the premium payment method to preserve the intended status of the trust under applicable rules.
A comprehensive approach is often recommended when the estate includes multiple assets, business interests, or interlocking documents that must work together. Integrating an ILIT into a broader estate plan helps ensure that beneficiary designations, wills, trusts, and powers of attorney do not conflict and that distributions occur as intended. Comprehensive planning includes a detailed review of financial accounts, retirement plans, and potential creditor or tax exposures. When complexities exist, a coordinated plan reduces the chance of unintended outcomes and provides a roadmap for trustees and family members to follow after the grantor’s death.
Comprehensive services can be valuable when a grantor desires ongoing control over how proceeds are distributed, such as staged distributions, educational funding, or support for a family member with special needs. These arrangements require detailed trust language and coordination with other planning documents to ensure benefits are delivered as intended without jeopardizing eligibility for public benefits. The comprehensive process addresses trustee selection, distribution standards, and mechanisms for resolving disputes. This level of planning helps create a durable framework for managing assets and supporting beneficiaries over the long term.
A comprehensive approach to an Irrevocable Life Insurance Trust can provide greater consistency across estate planning documents, reducing the chance of conflicts and unintended distributions. By coordinating beneficiary designations, wills, and related trust instruments, clients gain clarity about how insurance proceeds will be used and who will manage distributions. This approach often includes preparing supporting documents such as a pour-over will, certification of trust, and power of attorney to ensure all elements of the plan operate together and that trustees have clear instructions and authority to carry out the grantor’s wishes.
Another benefit is proactive planning for potential challenges, such as creditor claims, estate administration costs, or beneficiaries who may need protection from mismanagement. Comprehensive planning enables the creation of distribution mechanisms tailored to family needs, such as staggered payouts or trust provisions to support minors or vulnerable adults. With detailed provisions in place, trustees can manage proceeds responsibly, and families are less likely to face disputes or prolonged administration. Overall, the comprehensive route promotes stability and predictability for loved ones when insurance proceeds are paid.
A comprehensive ILIT plan ensures that the trust integrates smoothly with an individual’s broader estate plan. This coordination helps prevent conflicting beneficiary designations, duplicate documents, or gaps that could complicate administration. When the ILIT is drafted alongside wills, powers of attorney, and health care directives, each document can be tailored to support the same objectives. The result is a cohesive plan that provides guidance to trustees and avoids surprise outcomes for heirs, allowing for a more orderly transfer of benefits and responsibilities after the grantor’s death.
Comprehensive planning allows for customized distribution strategies that protect beneficiaries from creditors and impulsive spending while addressing long-term needs such as education, health care, or support for a family member with ongoing needs. The trust can include provisions that limit access to principal, provide for trustee discretion in timing distributions, and set conditions to preserve benefits over time. These mechanisms help ensure that life insurance proceeds are used in a manner consistent with the grantor’s objectives and that trustees have clear authority to manage funds prudently for beneficiaries’ welfare.
Before funding an ILIT, verify current policy ownership and beneficiary designations to ensure that transferring the policy into the trust will achieve the intended result. Inconsistent designations can create unintended outcomes at the time of payout. Review the insurance contract, confirm there are no ownership restrictions, and document each step of the transfer. Additionally, coordinate beneficiary forms with the trust terms so the trustee can administer proceeds without disputes. Taking these verification steps helps avoid delays and ensures the trust serves the role you intend within the broader estate plan.
Choosing a trustee is one of the most important practical steps when creating an ILIT because the trustee will manage the policy, handle premiums, and distribute proceeds. Select someone or a corporate fiduciary who will follow the trust document, maintain accurate records, and communicate clearly with beneficiaries. Provide the trustee with guidance about the purpose of the trust and ensure access to necessary documents such as the certification of trust, policy information, and contact details for financial advisors. Clear trustee selection and documentation reduce administration friction and promote timely distributions when benefits are payable.
People choose an ILIT for several practical reasons, including removing life insurance proceeds from the probate estate, providing controlled distributions to heirs, and protecting proceeds from personal creditors under certain circumstances. An ILIT can also support specific planning goals such as funding future education, replacing lost income, or ensuring a non-probate vehicle for liquidity at the time of death. For families with blended relationships, minor children, or heirs who may need supervised distributions, an ILIT offers a structured way to allocate life insurance proceeds according to a grantor’s directions.
An ILIT may also be useful for addressing potential estate tax considerations depending on the size and composition of an estate. Even when estate tax is not the primary concern, such a trust can provide certainty and direction to trustees and heirs, reducing family disputes and administrative delays. The decision to implement an ILIT is personal and depends on your assets, family needs, and long-term goals. Discussing these factors with a qualified estate planning attorney can help determine whether an ILIT aligns with your overall plan and how to integrate it effectively with other estate documents.
Clients often consider an ILIT when they own significant life insurance policies, have beneficiaries who may require protection from creditors or poor money management, or want to ensure that proceeds are distributed according to specific terms. People with blended families, business ownership interests, or large retirement accounts may also use an ILIT to provide liquidity and reduce administration burdens. Additionally, an ILIT can be part of a plan to support a vulnerable family member without jeopardizing eligibility for public benefits. Each situation requires tailored drafting to achieve the grantor’s objectives while complying with California rules.
When a beneficiary has special needs, struggles with money management, or faces potential creditor claims, an ILIT can provide protections by directing the trustee to manage and distribute proceeds over time. Trust provisions can set conditions for distributions, require trustee discretion for larger payments, or designate funds for specific uses such as education or medical care. These protections help preserve assets and ensure funds serve long-term purposes rather than being depleted quickly. Properly drafted trust language can also coordinate with other supports to avoid interfering with public benefits where necessary.
An ILIT can be used to provide immediate liquidity so that heirs have funds available for estate administration costs, taxes, or business needs when an owner dies. Placing a life insurance policy in a trust ensures proceeds are available to address short-term obligations without waiting for probate distributions. This approach can help pay estate taxes, support a family business during an ownership transition, or provide capital so that heirs do not need to sell assets under unfavorable conditions. Structuring the trust to deliver timely funds supports smoother estate settlement and continuity.
For individuals with substantial life insurance coverage, keeping proceeds out of probate can reduce public disclosure and administrative delay, and can help simplify distribution to heirs. An ILIT accomplishes this by making the trust the policy owner so that death benefits are payable directly to the trust. This structure supports privacy and can limit the estate that is subject to probate court oversight. Drafting the trust to specify distribution standards and trustee authority helps ensure proceeds are used according to the grantor’s intentions and align with broader estate planning objectives.
We are here to guide Fair Oaks and Sacramento County clients through the process of creating and funding Irrevocable Life Insurance Trusts. Our approach includes reviewing your current insurance policies, drafting trust documents to reflect your goals, advising on premium funding, and preparing supporting instruments such as certification of trust and pour-over wills. We communicate clearly with trustees and family members as needed and coordinate with financial advisors to ensure a comprehensive plan. Reach out to discuss your situation and learn how an ILIT may serve your family’s needs.
Clients choose the Law Offices of Robert P. Bergman for personalized estate planning assistance that addresses both immediate and long-term needs. We take time to learn about family circumstances, existing estate documents, and financial arrangements so the Irrevocable Life Insurance Trust fits into an overall plan. Our practice prepares clear, practical trust documents that explain trustee duties and distribution standards, and we help coordinate the steps necessary to transfer policy ownership and maintain coverage. This thoughtful process aims to provide peace of mind and clarity for both grantors and beneficiaries.
We work with trustees and family members to facilitate a smooth administration process and reduce uncertainty after a death. Our services include preparing a certification of trust, advising on premium funding methods, and integrating the ILIT with wills, powers of attorney, and health care directives. By documenting each step and communicating effectively with involved parties, we help minimize disputes and administrative delays. Clients appreciate practical guidance on trustee selection, recordkeeping, and creating distribution provisions that reflect their priorities while protecting beneficiaries’ interests.
Our office serves clients throughout California, including Fair Oaks and Sacramento County, and we are available to discuss how an ILIT can fit into your estate plan. Whether you need a focused transfer of a policy into a trust or a broader plan that addresses multiple assets and family dynamics, we provide clear next steps and assist with all required documentation. Contact us at 408-528-2827 to discuss your goals and begin the process of creating an ILIT that meets the needs of your family.
Our process begins with a thorough review of your existing estate planning documents and insurance policies to determine how an ILIT can accomplish your objectives. We assess policy ownership, beneficiary designations, and funding options and then draft a trust document tailored to your needs. After executing the trust, we assist with transferring policy ownership and provide guidance on premium payments and required notices. We also prepare supporting documents so trustees have the authority and information needed to carry out the trust’s terms when benefits become payable.
During the initial phase we collect information about your assets, insurance policies, family structure, and estate planning goals. We review existing documents such as wills, trusts, powers of attorney, and beneficiary designations to identify conflicts or gaps. This assessment helps determine whether a simple transfer or a more comprehensive plan is appropriate. We then discuss trustee options and distribution preferences, and provide an overview of the documents and steps required to establish and fund an ILIT in line with your objectives and California law.
Gathering accurate information about the life insurance policy, premium schedules, ownership, and beneficiaries is essential to drafting an effective ILIT. We request policy statements, premium payment records, and any endorsements or assignments. Understanding these details allows us to identify whether the policy can be transferred without restriction and whether additional funding or new policies are needed. Clear documentation helps prevent future disputes and allows the trustee to manage the policy efficiently once it is placed in the trust.
We discuss trust structure options and recommend practical provisions for distributions, trustee powers, and successor trustee designation. Trustee selection is addressed in light of the trustee’s willingness to administer the trust, ability to maintain records, and capacity to follow the trust’s instructions. Trust provisions can include staged distributions, accounting requirements, and conditions for use of principal. This planning step ensures the trust document reflects your preferences and provides trustees with the authority needed to execute your intentions smoothly.
Once the plan is agreed upon, we prepare the trust document and any supporting instruments required for proper operation. This typically includes drafting the ILIT itself, a certification of trust if requested, and any necessary assignment forms to transfer policy ownership. We explain the trust terms and ensure that the grantor and trustee understand their roles before signing. Proper execution and notarization are completed in accordance with California requirements so that the trust is valid and ready for funding and administration.
We prepare clear trust language that specifies beneficiary distributions, trustee powers, and procedures for handling insurance proceeds. Assignment forms or change-of-owner forms are completed to transfer the policy into the trust. If a new policy is required, we coordinate the application and ownership designation so the trust is the policy owner from inception. Documentation of these steps is important to prevent misinterpretation at the time of benefit payment, and we retain copies for the trustee and grantor’s records.
After signing the trust, we assist with the formal transfer of the policy by notifying the insurance carrier and completing required paperwork. If the transfer involves gifts for premium payments, we advise on any notices required to beneficiaries and the recordkeeping necessary for tax purposes. Completing these administrative steps promptly helps maintain policy coverage and preserves the intended trust treatment of death benefits. We ensure that the trustee receives certified copies of trust documents and that all parties understand the next steps for administration.
After the trust is executed and the policy is transferred, the focus turns to funding premium payments and preparing the trustee to administer the trust. We provide guidance on setting up funding strategies, notifying beneficiaries as needed, and maintaining records for trust administration and potential tax reporting. Ongoing support can include periodic reviews, updates to trust provisions when circumstances change, and assistance with trustee questions when distributions become necessary. This oversight helps ensure the ILIT remains effective over time.
Maintaining premium payments is essential to preserve the life insurance policy held by the trust. We advise on practical funding methods, such as making regular gifts to the trust or setting up separate funding accounts. Documentation of those gifts and any beneficiary notices is important for preserving tax treatments and avoiding unintended consequences. Regular reviews of policy status, premium schedules, and the trust’s bank records help ensure coverage continues uninterrupted and that the trust can fulfill its intended purpose when the need arises.
We provide trustees with guidance on recordkeeping, reporting, and the procedural steps required when benefits are paid. Trustees need access to trust documents, policy information, and contact details for the insurance company and advisors. Clear instructions on accounting for payments, documenting distributions, and complying with trust terms reduce the likelihood of disputes. When life insurance proceeds become payable, timely action and accurate records help the trustee fulfill obligations and distribute funds in accordance with the grantor’s directions.
An Irrevocable Life Insurance Trust is a trust that holds a life insurance policy as its asset so that death proceeds are payable to the trust rather than the insured’s probate estate. The trust document names a trustee to manage the policy and distribute proceeds to beneficiaries according to the grantor’s instructions. The irrevocable nature of the trust generally means the grantor cannot reclaim the policy or alter the trust terms without following strict legal procedures. This arrangement can streamline administration and support controlled distributions for heirs. Establishing an ILIT requires careful coordination to transfer policy ownership, address premium funding, and prepare supporting documents. It is important to review existing beneficiary designations and insurance contracts to ensure the transfer will be accepted by the insurer. Proper drafting and documentation help ensure the trust functions as intended when the policy pays benefits, providing clarity and direction to trustees and beneficiaries.
Placing a life insurance policy in an ILIT can reduce the policy proceeds included in the insured’s probate estate, which may reduce probate administration tasks involving those funds. By directing proceeds to the trust, funds are often available to beneficiaries without the delays and public process associated with probate. This can make settlement and distribution simpler for heirs and may lower certain administration costs related to probate proceedings. However, an ILIT does not eliminate all estate administration requirements. Other assets may still pass through probate, and the trust’s administration requires trustee actions and recordkeeping. The overall effect on costs depends on the size and composition of the estate and how well the ILIT is integrated with other estate planning documents.
When a policy is owned by an ILIT, the trust becomes the owner and can direct how proceeds are used and distributed after the insured’s death. The grantor typically cannot access the policy benefits once ownership is transferred because the trust is irrevocable. That separation is part of what allows proceeds to be handled outside of probate and under the trust’s terms. If maintaining some flexibility is important, options such as careful trust drafting or alternative arrangements may be discussed during planning. It is essential to understand that the irrevocable transfer changes ownership rights, so consider your goals and the trust’s distribution strategy before completing the transfer.
Choosing a trustee for an ILIT requires balancing trustworthiness, administrative ability, and willingness to serve. Common choices include a trusted family member, a close friend who can handle administrative tasks, or a corporate trustee if professional management is preferred. The trustee should be able to maintain records, communicate with beneficiaries, and manage premium payments or other administrative requirements as directed by the trust. When naming a trustee, consider naming successor trustees as well to ensure continuity. Clear trust instructions and access to supporting documents help the trustee perform duties efficiently and reduce the likelihood of disputes among beneficiaries during administration.
Premiums for a policy owned by an ILIT are often funded by gifts to the trust for that purpose. The grantor may make ongoing gifts to the trust, which the trustee then uses to pay premiums. Documentation of these gifts and any notifications to beneficiaries may be required, depending on applicable tax rules and the desired use of gift tax exclusions. It is important to establish a reliable method for funding premiums so the policy does not lapse. Alternatives like leveraging existing trust assets, periodic gifting, or setting up a funding account can be discussed during planning. Clear records of payments help the trustee manage the policy and maintain coverage over time.
Whether an ILIT affects a beneficiary’s eligibility for public benefits depends on how distributions are structured and the type of benefits involved. Because amounts held in a trust can be treated differently under public benefits rules, careful drafting is necessary if a beneficiary relies on means-tested programs. Trust provisions can be designed to provide discretionary distributions that may preserve certain benefits, but this area requires specialized planning tailored to the beneficiary’s situation. If a beneficiary receives or may seek public benefits, discuss those concerns during the trust planning process so the trust can be structured to provide needed support without undermining eligibility. Coordination with advisors knowledgeable about benefit rules helps achieve the intended balance.
Alongside an ILIT, it is common to prepare supporting documents such as a certification of trust, a pour-over will, powers of attorney, and advance health care directives. A certification of trust provides trustees and third parties with essential information about the trust without revealing full confidential terms. A pour-over will helps ensure that any assets not titled to trust at the owner’s death can be transferred into the trust according to the estate plan. These documents work together to create a cohesive plan and to give trustees the authority and information needed for administration. Preparing the full suite of documents reduces the likelihood of gaps or conflicting instructions when the time comes to settle the estate.
An irrevocable trust is generally not easily changed by the grantor after funding. Modifications may be possible in limited circumstances, such as by agreement of all beneficiaries, through a court proceeding, or if the trust document includes mechanisms for amendment or decanting under certain conditions. Because the trust is meant to provide stable, long-term control, the ability to modify is intentionally restricted in many cases. If you anticipate changes may be needed in the future, discuss flexible drafting options at the outset. Structuring trustee powers or naming certain procedures for adjustments can provide some adaptability while maintaining the trust’s primary purpose and protections.
The time needed to set up and fund an ILIT varies based on the complexity of your situation and whether a new policy is required. Drafting the trust document and executing it can often be completed within a few weeks, while transferring ownership of an existing policy depends on insurer processing times. If a new policy is needed, underwriting and issuance can extend the timeline. Coordination with financial institutions and beneficiaries for notices may also add time. To avoid delays, gather policy information and existing estate documents in advance and maintain open communication with the insurance company and trustee. Timely attention to transfer paperwork and premium funding helps complete the process efficiently so the trust functions as intended.
If you are considering an ILIT in Fair Oaks, begin by gathering copies of your life insurance policies, beneficiary designations, and any existing estate planning documents. Identify your goals for the proceeds and consider who you would trust to serve as trustee. This information helps determine whether a simple transfer or a more comprehensive plan is appropriate. Consulting with an estate planning attorney early in the process helps clarify potential tax and administrative implications. Next, discuss funding strategies for premium payments and any special distribution needs for beneficiaries. Our office can review your materials, explain options, and prepare the necessary documents to establish and fund an ILIT that aligns with your objectives and family circumstances.
Criminal Defense
Homicide Defense
Manslaughter
Assault and Battery
Assault with a Deadly Weapon
Battery Causing Great Bodily Injury
Domestic Violence
Domestic Violence Protection Orders
Domestic Violence Restraining Order
Arson Defense
Weapons Charges
Illegal Firearm Possessions
Civil Harassment
Civil Harassment Restraining Orders
School Violence Restraining Orders
Violent Crimes Defense
Estate Planning Practice Areas