An Irrevocable Life Insurance Trust (ILIT) can be a powerful estate planning tool for managing life insurance proceeds and helping preserve family wealth. At the Law Offices of Robert P. Bergman, we help clients in Foothill Farms and throughout Sacramento County understand how an ILIT may fit into a larger estate plan that can include revocable living trusts, wills, powers of attorney, and healthcare directives. This page explains the basics of ILITs, how they function, and why some families choose them to reduce potential estate tax exposure and ensure that death benefits are distributed according to their wishes rather than through probate.
Choosing the right trust structure involves balancing personal goals, tax considerations, and long term family needs. An ILIT is created to hold life insurance policies outside of a taxable estate and to control how proceeds are paid to beneficiaries. It can also provide liquidity to pay debts, taxes, and final expenses without forcing the sale of assets. This guide walks through the essential elements of ILITs, offers comparison with other estate tools, and outlines the process our firm follows when preparing and administering an irrevocable life insurance trust for clients in California.
An ILIT can offer several benefits, including removing the insurance proceeds from an estate for tax purposes, protecting proceeds from potential creditor claims against beneficiaries, and providing a structured distribution of funds over time. By transferring ownership of a life insurance policy to an ILIT, the death benefit can be kept out of the grantor’s taxable estate, subject to timing and legal requirements, which may reduce estate tax liability in larger estates. Additionally, the trust can specify how and when beneficiaries receive funds, which can be important for preserving assets for minor children or family members with special needs or unique financial circumstances.
The Law Offices of Robert P. Bergman has served California clients with practical estate planning guidance tailored to their family and financial situations. Our approach is to listen closely to a client’s goals, review existing documents such as wills, living trusts, and beneficiary designations, and craft trust arrangements like ILITs that align with those goals while complying with California law. We focus on clear communication, careful drafting, and thoughtful coordination with financial advisors so clients understand how an ILIT integrates with retirement accounts, life insurance policies, and other estate planning instruments.
An Irrevocable Life Insurance Trust is a legal entity created to own life insurance policies and receive their proceeds outside of an individual’s probate estate. To be effective for estate planning purposes, the trust must be funded and the insurance policy properly transferred into the trust according to timing rules that can affect tax treatment. Once the grantor transfers the policy and the transfer is complete, the trust holds legal ownership and the trust terms determine how the death benefit is managed and distributed. Proper drafting and administration are important to ensure the trust functions as intended.
Because an ILIT is irrevocable, the grantor generally cannot change the trust terms or reclaim ownership of the policy after the transfer without triggering tax or legal consequences. The trust document commonly names trustees to manage the policy, pay premiums from trust funds, and make distributions to beneficiaries under specified conditions. An ILIT may also include provisions such as spendthrift protection or staggered distributions. It is important to coordinate beneficiary designations on retirement accounts and other nontrust assets to avoid unintended interactions with an ILIT and the broader estate plan.
An Irrevocable Life Insurance Trust is a trust that cannot be easily changed once established and is used primarily to hold one or more life insurance policies. The trust becomes the owner and beneficiary of the policy, and the trustee manages the policy for the benefit of the named beneficiaries. Because the trust is irrevocable and the grantor gives up ownership, the death benefit typically is not included in the grantor’s probate estate, subject to legal and timing rules. This structure can provide greater control over distribution of proceeds and help preserve assets for intended purposes over time.
Setting up an ILIT requires drafting the trust document, transferring or purchasing the insurance policy in the trust name, and arranging for payment of premiums, often through gifts to the trust. The trustee handles premium payments, which sometimes involves annual gift tax considerations and use of Crummey withdrawal powers to qualify gifts as present interest. The trust document should identify beneficiaries, detail distribution rules, and provide trustee powers for administration. Coordination with the policy provider and proper documentation of trust funding and gifts are important to ensure intended tax and probate outcomes are achieved.
Understanding common terms related to ILITs helps clients make informed decisions. Important concepts include the grantor who creates the trust, the trustee who manages it, the beneficiaries who receive proceeds, and terms like ownership transfer, gift tax, and Crummey powers. Clear definitions allow clients to see how actions such as transferring a policy or making gifts to pay premiums affect estate tax treatment and administration. This glossary section explains these concepts simply to reduce confusion and help families plan with confidence about their life insurance and trust arrangements.
The grantor is the person who creates the trust and transfers assets such as a life insurance policy into it. By funding an ILIT, the grantor relinquishes ownership of the policy to the trust, which can produce benefits like excluding the proceeds from the grantor’s taxable estate if transfers meet timing and legal requirements. The grantor’s intentions typically shape the trust terms, including who should benefit from the death proceeds and how distributions should be handled to meet family or financial objectives over time.
The trustee is the individual or institution responsible for managing the trust assets, paying premiums, making distributions to beneficiaries, and carrying out the trust terms. A trustee has fiduciary duties to act in the best interests of the beneficiaries and to follow the trust document. The trustee’s responsibilities also include record keeping, communicating with beneficiaries, and coordinating with financial and legal professionals when necessary to ensure proper administration of the ILIT and compliance with applicable laws and tax rules.
Beneficiaries are the people or entities named in the trust to receive benefits from the trust assets, such as life insurance proceeds. The ILIT document can define when and how beneficiaries receive funds, whether in a single lump sum or through staggered payments over time. Choosing appropriate beneficiaries and structuring distributions can address concerns about creditor protection, spendthrift protection, or needs of minor or vulnerable family members, helping ensure that the policy proceeds serve the grantor’s intended purpose.
A Crummey power is a trust provision that gives beneficiaries a limited-time right to withdraw gifts made to the trust, which helps qualify those gifts as present interest for annual gift tax exclusion purposes. Using Crummey powers can facilitate payment of life insurance premiums by allowing the grantor to make gifts to the ILIT that are excludable from gift tax, while the trustee manages the funds to pay premiums if the beneficiaries do not exercise their limited withdrawal rights. Proper drafting and notice procedures are important for Crummey provisions to operate effectively.
An ILIT is one of many tools in an estate planning toolkit and works differently than revocable living trusts, wills, or beneficiary designations. Unlike a revocable trust, an ILIT is typically irrevocable and intended to remove life insurance proceeds from a taxable estate. A pour-over will coordinates assets into a trust at death, while powers of attorney and healthcare directives handle decision-making during incapacity. Comparing these options helps clients choose a combination of documents that meet liquidity needs, tax planning goals, and family objectives while maintaining flexibility where appropriate.
For families with modest estates who primarily need funds to cover final expenses, a full ILIT may not be necessary. In those situations, straightforward beneficiary designations on a life insurance policy, combined with a will and basic powers of attorney, can provide liquidity and direction without creating an irrevocable trust structure. A more limited approach reduces complexity and administrative obligations while still ensuring that proceeds pass directly to intended recipients outside of probate, provided beneficiary designations are kept current and aligned with overall estate goals.
If the primary concern is maintaining control and flexibility during life, a revocable living trust or carefully updated beneficiary designations can achieve many estate planning goals without the permanency of an ILIT. These options allow for changes as circumstances evolve and can address asset management and incapacity planning. For clients who prefer to retain ownership of policies and retain the ability to change beneficiaries or modify terms, a limited approach balances flexibility with effective planning for the transfer of life insurance proceeds.
When estates are larger or involve business interests, diverse investments, or multiple properties, a comprehensive approach that includes an ILIT may provide important benefits. Such an approach helps coordinate beneficiary designations, trust documents, and retirement account planning to manage tax exposure and ensure smooth transfer of wealth. Comprehensive planning also addresses liquidity needs at death, protects family wealth from unnecessary depletion, and provides a framework for orderly administration that can reduce uncertainty for survivors during an emotional time.
When beneficiaries include minors, individuals with disabilities, or people who may face creditor claims, a comprehensive strategy using trusts like an ILIT can provide tailored protections. Trust provisions can control distributions, provide for ongoing care, and limit exposure to creditors or spendthrift risks. Integrating an ILIT with other trust arrangements such as special needs trusts or retirement plan trusts ensures that life insurance proceeds are used according to the grantor’s intentions while preserving eligibility for public benefits and safeguarding the long term financial security of beneficiaries.
A coordinated estate plan that includes an ILIT alongside other documents provides several advantages: it helps ensure liquidity to cover taxes and expenses, aligns asset titles and beneficiary designations, and creates clear rules for distributions. Integrated planning reduces the risk of unintended outcomes, such as competing beneficiary designations or assets that unintentionally pass through probate. By planning proactively, individuals can create a framework that provides for family needs, reduces administrative burdens at death, and promotes efficient management of estate assets according to their wishes.
Comprehensive planning also supports long term family goals by harmonizing life insurance strategies with retirement planning, trust funding, and guardianship nominations for minor children. This approach lets clients address contingencies, provide for incapacity, and lay out a plan for distributing assets in ways that reflect personal values. The result is a cohesive estate plan that anticipates common challenges while offering flexibility in beneficiary provisions, trustee selection, and mechanisms to preserve assets for future generations.
Using an ILIT within a larger plan gives the grantor greater control over how life insurance proceeds are used after death, including timing and conditions for distributions. The trust document can detail whether beneficiaries receive funds outright, in installments, or subject to trustee discretion and can include protections against creditors or poor financial decisions. This degree of control helps ensure that proceeds serve intended purposes such as education, long term support, or paying estate obligations rather than being spent quickly or diverted away from family priorities.
Placing life insurance in an ILIT can potentially remove the policy proceeds from the grantor’s taxable estate, subject to timing rules and current tax law, which may reduce estate tax exposure for larger estates. The trust structure can also provide protections that shield proceeds from certain creditor claims against beneficiaries, depending on the trust terms and applicable law. Thoughtful drafting and administration are needed to achieve these goals while complying with transfer rules and ensuring that premium payments and gift treatment are handled correctly.
Keep beneficiary designations on all life insurance and retirement accounts aligned with trust documents to avoid unintended distributions. Conflicting designations can undermine trust objectives and result in probate or estate complications. Periodic reviews are recommended after major life events such as marriage, divorce, births, or significant changes in assets. Clear coordination prevents surprises and ensures that proceeds flow according to the overall estate plan rather than defaulting to outdated beneficiary information that may no longer reflect current intentions.
Select a trustee who is willing and able to handle administrative duties such as paying premiums, keeping records, and communicating with beneficiaries. Trustees can be family members, trusted individuals, or a corporate trustee, depending on the complexity and the family’s needs. Consider successor trustees to ensure continuity and include provisions for trustee compensation and decision making. Clear guidance in the trust document about trustee powers and responsibilities reduces disputes and ensures consistent administration aligned with the grantor’s intentions.
Clients consider an ILIT when they seek to manage how life insurance proceeds are distributed, protect proceeds from probate, and potentially reduce estate tax consequences for larger estates. An ILIT is also useful when the grantor wants to provide for minor children, family members with special needs, or other beneficiaries who may require oversight. By placing the policy in a trust and defining terms for distributions, the grantor can create a plan that balances immediate liquidity needs with long term financial protections for survivors.
In addition to tax planning and control, an ILIT can help ensure that funds are available to pay estate liabilities such as taxes, debts, and final expenses without forcing the sale of real property or business interests. The structure of the trust can be customized to address family dynamics, creditor concerns, and charitable intentions. For many families, an ILIT is part of a broader plan that includes wills, living trusts, powers of attorney, and health care directives to provide a comprehensive solution for end of life planning and asset transfer.
An ILIT is often considered when an individual owns significant life insurance, has a sizeable estate where tax considerations are relevant, or needs to ensure disciplined distribution of proceeds to beneficiaries. It may also be useful for business owners who require liquidity at death, parents who want to protect assets for minor children, or those who wish to provide for family members with unique financial or care needs. Each situation requires careful review of assets, family structure, and long term goals to determine if an ILIT is appropriate.
When life insurance policies are sizable compared to an individual’s estate, placing them in an ILIT can help manage potential estate tax implications and provide clear instructions for the use of proceeds. This approach can keep proceeds outside of the taxable estate if transfers are made correctly and within required timeframes. It also helps ensure that those proceeds are available for intended purposes such as paying estate taxes, supporting family members, or funding buy-sell agreements for business transitions.
Parents of minor children or those with vulnerable beneficiaries often use an ILIT to control how life insurance benefits are distributed and to provide oversight through trustee administration. The trust can specify staggered distributions, educational use, or conditions that must be met before funds are released. This structure provides protection and guidance that directly naming beneficiaries on a policy may not achieve, helping preserve assets for future needs and reducing the risk of premature or inappropriate spending.
Business owners frequently incorporate life insurance trusts into succession planning to ensure liquidity for business transitions, buyouts, or estate tax obligations. An ILIT holding a key person or buy-sell policy can provide funds to stabilize the business and facilitate orderly transfer of ownership interests. Proper coordination between business agreements, insurance policies, and trust documentation helps ensure that proceeds are available when needed and distributed according to the business and family’s succession objectives.
The Law Offices of Robert P. Bergman represents clients in Foothill Farms and across Sacramento County with practical estate planning counsel tailored to local legal considerations. We work with families to understand their personal goals, review existing documents like wills, revocable trusts, and powers of attorney, and recommend whether tools such as an ILIT fit their needs. Our team focuses on clear communication and careful drafting to help clients prepare for the future, protect family assets, and create a plan that reduces uncertainty and administrative burdens at the time of a loved one’s passing.
Our firm provides hands-on guidance throughout the process of establishing and administering an ILIT, from initial planning and document drafting to coordination with insurance carriers and trustees. We prioritize listening to client goals and translating them into practical trust provisions that reflect family dynamics and financial realities. By focusing on careful drafting and administrative clarity, we aim to minimize ambiguity and create a trust that functions as intended during and after the grantor’s lifetime.
We also emphasize coordination with other estate planning tools such as revocable living trusts, wills, powers of attorney, and health care directives to ensure a cohesive estate plan. This coordination helps prevent conflicts between documents, aligns beneficiary designations, and supports a smoother transition of assets. Clear communication about timing, tax implications, and administrative responsibilities gives clients confidence in their plan and reduces the likelihood of disputes after a death.
Clients benefit from practical recommendations tailored to their situation, such as selection of trustees, structuring of premium funding, and drafting provisions to address lifetime and postmortem goals. We also assist with notices and record keeping required for certain trust mechanisms and provide ongoing administration advice as family circumstances evolve. Our goal is to help clients leave a legacy that reflects their wishes while protecting the financial interests of loved ones.
Our process begins with a confidential consultation to review goals, family structure, and existing documents. After assessing assets and life insurance needs, we recommend whether an ILIT fits the plan and outline options for funding, trustee selection, and distribution terms. We then draft the trust document, coordinate the transfer or issuance of the insurance policy to the trust, and prepare any related notices or gift documentation. Finally, we provide instructions for trustees and offer ongoing assistance with administration and coordination with other advisors.
The initial meeting focuses on understanding client objectives, identifying assets and beneficiaries, and reviewing existing estate planning documents. This discovery helps determine whether an ILIT will meet the client’s goals and how it should be structured alongside other estate planning instruments. We discuss timing considerations, potential tax implications, premium funding strategies, and trustee responsibilities so clients have a clear sense of the legal and administrative steps involved in forming an ILIT.
Collecting accurate information about life insurance policies, retirement accounts, real property, and business interests is essential to designing an effective trust. We ask questions about family relationships, beneficiary preferences, and any existing trust or estate documents that might affect planning. This information allows us to tailor trust provisions to reflect individual objectives and to ensure that asset coordination minimizes unintended outcomes while meeting practical needs at death.
We carefully examine how current insurance policies are owned and who is named as beneficiary, since transfers into a trust can have timing and tax consequences. Determining whether to transfer an existing policy or to have the trust purchase a new policy involves legal and financial considerations. We explain the implications of each option and recommend steps to align ownership and beneficiary designations with the overall estate plan to achieve desired results.
After concluding that an ILIT is appropriate, we draft the trust document to reflect specific distribution rules, trustee powers, and administrative provisions. Funding the trust involves transferring ownership of an existing policy or arranging for a new policy to be issued in the trust’s name and establishing a plan to cover premium payments. We prepare the necessary transfer paperwork, coordinate with insurers, and document gifts or transfers to support the trust’s administration and tax treatment.
The trust is customized to address distribution timing, trustee powers, and any protections for beneficiaries, including spendthrift or conditional provisions. We draft language to support the grantor’s intentions for asset management after death and to provide clear instructions for trustees. These provisions may include rules for educational distributions, staggered payouts, or requirements for use of funds, all designed to align with the family’s goals and financial circumstances while providing clear guidance for administration.
We work with insurance carriers to transfer policy ownership to the trust or to issue a policy in the trust’s name, following all carrier requirements. We also set up premium funding arrangements, which may involve annual gifts to the trust and proper documentation of Crummey notices if used. Clear record keeping of transfers and gifts is important to support the intended tax treatment and to avoid administrative issues down the road, ensuring the trust functions as planned.
Once the trust is funded, we provide trustees with clear instructions on managing policy premiums, record keeping, and communicating with beneficiaries. Ongoing administration may include payment of premiums, investment of trust funds, and making distributions according to trust terms. We remain available to advise trustees on procedural and legal questions and to assist with required notices or documentation, helping to ensure continuous and compliant administration aligned with the grantor’s wishes.
Trustees receive guidance on their duties, including premium payment schedules, maintaining accurate financial records, and following distribution instructions. We provide templates for notices, bookkeeping suggestions, and advice on interactions with beneficiaries to reduce misunderstandings. Proper documentation and communication support transparent administration and make it easier for trustees to fulfill their responsibilities while protecting the interests of beneficiaries.
Although an ILIT is irrevocable, surrounding estate plans and administrative practices may benefit from periodic review to respond to changes in family circumstances, tax law, or asset structure. We work with clients and trustees to review related documents such as wills, living trusts, and beneficiary designations to ensure continued alignment. Regular checkups help maintain the intended operation of the trust and address potential issues before they become problems for beneficiaries or trustees.
An Irrevocable Life Insurance Trust is a trust that holds life insurance policies and is typically structured so that the policy proceeds are not included in the grantor’s probate estate. The grantor creates the trust, transfers ownership of an existing policy or has a new policy issued for the trust, and names beneficiaries who will receive trust distributions at death. The trustee manages the policy and administers distributions according to the trust terms, providing a controlled way to handle insurance proceeds while avoiding the probate process for those funds. To function as intended, the trust must be properly drafted and funded, and transfers must respect timing rules that affect estate tax treatment. Trustees are responsible for premium payments, record keeping, and executing the grantor’s distribution instructions. The structure offers a way to provide liquidity, protect proceeds from certain claims, and ensure that benefits are distributed according to a planned schedule rather than default beneficiary arrangements that might not align with the grantor’s wishes.
Transferring a life insurance policy to an ILIT can remove the death benefit from the grantor’s taxable estate if the transfer is completed outside the three year lookback period that applies under current tax rules. If the transfer occurs within that lookback period prior to death, the proceeds may still be included in the taxable estate. Proper timing, drafting, and compliance with legal requirements are important factors in achieving the intended tax treatment, and clients should plan transfers with these considerations in mind. Because tax laws can change and individual circumstances vary, it is important to evaluate the specifics of each situation, including existing estate value, policy ownership, and timing of transfers. A careful review of assets, beneficiary designations, and potential estate tax exposure helps determine whether an ILIT will provide the tax benefits sought and how to structure transfers to achieve the desired result while minimizing unintended consequences.
Premiums on a life insurance policy held in an ILIT are typically paid from trust funds, which are funded by gifts from the grantor or other sources. Grantors often make annual gifts to the trust for the purpose of premium payments, and these gifts may qualify for the annual gift tax exclusion if they are structured as present interest gifts and notices are properly given when Crummey powers are used. Meticulous record keeping for gifts and premium payments supports the intended tax treatment and helps avoid administrative complications. Alternative arrangements for premium funding include using existing trust assets, contributions from multiple family members, or having the trust purchase a policy with funds provided at inception. Each option requires careful planning to ensure that the trust has sufficient resources to maintain the policy and that funding methods align with gift tax and trust administration requirements. Clear documentation and trustee oversight help maintain the policy and prevent lapses in coverage.
A trustee should be someone who can manage the administrative duties of the trust, such as paying premiums, keeping accurate records, and following distribution instructions. This can be a trusted family member, a close friend with financial acumen, or a corporate trustee depending on the complexity of the trust and family dynamics. Selecting a trustee who is willing to serve and capable of managing financial obligations and communications with beneficiaries is essential for smooth administration. Consider naming successor trustees to ensure continuity if the initial trustee cannot serve. Trustees should understand fiduciary responsibilities and the trust’s distribution goals, and the trust document can specify compensation and decision-making powers. Clear instructions and trustee guidance reduce disputes and provide structure for consistent administration, which benefits both trustees and beneficiaries over time.
Because an ILIT is irrevocable, the grantor generally cannot unilaterally change the beneficiaries or the trust terms after the trust is created unless the trust document contains limited modification mechanisms. Irrevocability means that ownership of the policy is transferred out of the grantor’s control, which helps achieve certain tax and creditor protections but reduces ability to amend the arrangement. If changes are needed, they may require agreement of all interested parties or court approval depending on the trust language and governing law. Given the limited flexibility, careful planning at the time of drafting is important to account for future changes in family circumstances. Alternatives such as retaining some assets in a revocable trust or keeping certain beneficiary designations outside the ILIT can preserve flexibility while still achieving specific planning goals. Discussing long term objectives and potential contingencies during initial planning helps ensure that the trust reflects likely future needs.
Crummey powers are provisions that give beneficiaries a limited right to withdraw gifts made to the trust for a short period, which can qualify those gifts as present interest for purposes of the annual gift tax exclusion. Using Crummey notices when funding an ILIT can allow grantors to make yearly contributions that are excluded from gift tax up to the annual limit. Proper drafting and timely notice to beneficiaries regarding withdrawal rights are key to ensuring the contributions are treated as present interest gifts rather than future interests. Failure to follow the formalities associated with Crummey powers, such as providing required notices and allowing a meaningful opportunity to withdraw, can jeopardize the gift tax treatment of contributions. Trustees should keep records of notices and whether beneficiaries exercised their withdrawal rights. Clear procedures help maintain the intended tax benefits and support consistent administration of premium funding for the trust-held policy.
An ILIT should be considered as part of a broader estate plan, coordinated with revocable living trusts, wills, powers of attorney, and healthcare directives. Proper coordination ensures that beneficiary designations and trust provisions do not conflict, avoids unintended probate, and aligns all documents with the grantor’s objectives. For example, integrate the ILIT with planning for retirement accounts and real property so that liquidity needs are satisfied and assets pass according to the overall plan rather than through inconsistent beneficiary designations. Regular reviews of the entire estate plan help maintain alignment as family and financial circumstances evolve. Changes such as marriage, divorce, birth of children, or significant asset shifts may require updates to beneficiary designations or related documents. Periodic review and adjustment of the plan help prevent conflict and ensure that the ILIT and other estate planning tools work harmoniously to achieve the grantor’s goals.
Funding an ILIT often involves gifts to the trust to cover policy premiums, which can have gift tax implications depending on the amounts and structure. Annual gifts that qualify as present interest under the annual gift tax exclusion may not consume lifetime exemption amounts, but larger gifts or those that do not qualify as present interest could have gift tax consequences. Proper use of Crummey powers, accurate documentation, and thoughtful funding strategies help manage potential gift tax exposure and preserve estate planning objectives. Because tax laws and exclusion amounts can change, thoughtful planning and record keeping are important when funding an ILIT. Working through different funding options, such as splitting gifts among family members or using existing trust assets, can help maintain coverage while minimizing tax consequences. Clear documentation of gifts, notices, and trustee actions supports the desired tax treatment of contributions and helps prevent later disputes.
An ILIT is generally designed to be irrevocable, which means the grantor typically cannot access trust assets once they are transferred. If the grantor anticipates needing access to funds during life, alternative planning options should be considered, such as retaining certain assets in a revocable trust or keeping flexible beneficiary designations. Irrevocability provides benefits such as removing assets from the taxable estate, but it also limits post transfer control and access to trust resources for the grantor. If a grantor faces unexpected needs after creating an ILIT, remedies may be limited and could involve complex legal steps such as trust decanting, modification agreements among beneficiaries, or court petitions depending on the trust language and state law. Because of these constraints, careful planning at inception and discussions about contingencies are important to balance the benefits of irrevocability against the desire for flexibility during the grantor’s lifetime.
To get started with creating an ILIT in Foothill Farms, the first step is a consultation to review your goals, current life insurance holdings, and overall estate plan. Bring documents such as policy statements, beneficiary designations, wills, and trust documents for review. This initial conversation helps determine whether an ILIT is appropriate, how it should be structured, and the proper steps for funding and administration while taking into account California law and personal circumstances. Following consultation, we prepare a tailored trust document, coordinate transfers or policy issuance, and document funding arrangements for premium payments. We also advise on trustee selection and provide templates for notices and record keeping. Ongoing support for trustees and periodic plan reviews help ensure the ILIT works as intended and remains aligned with your family’s needs and financial objectives over time.
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