An Irrevocable Life Insurance Trust (ILIT) can be a powerful element of an estate plan for individuals in Manteca who want to manage life insurance proceeds outside of their taxable estate and provide liquidity for heirs. At the Law Offices of Robert P. Bergman, our approach focuses on clear planning, careful drafting, and practical administration. We work with clients to determine whether an ILIT aligns with broader goals such as minimizing estate tax exposure, protecting proceeds for beneficiaries, and ensuring orderly distribution consistent with the client’s wishes and California law.
This page explains how an ILIT operates, who may benefit from one, and how it coordinates with other estate planning documents such as revocable living trusts, pour-over wills, powers of attorney, and healthcare directives. We also describe the steps involved in creating and funding an ILIT, common considerations for ownership and beneficiary designations, and the ways a properly drafted trust can preserve financial security for family members and other intended recipients. Our aim is to help you make an informed decision tailored to your needs and circumstances.
An ILIT offers several distinct advantages when used as part of a comprehensive estate plan. By transferring ownership of a life insurance policy to the trust and removing the policy owner designation, the policy proceeds may be excluded from the insured’s taxable estate, helping to preserve wealth for beneficiaries. An ILIT can also impose conditions on distributions to protect funds for young heirs, manage creditor exposure, and provide a dedicated source of funds to pay estate expenses or equalize inheritances. Proper administration and coordination with other documents are essential to realize these benefits under California law.
The Law Offices of Robert P. Bergman offers estate planning services to clients in Manteca and throughout San Joaquin County, focusing on practical solutions such as trusts, wills, powers of attorney, and special trust arrangements. Our attorneys have a long history of guiding families through the creation and administration of estate planning documents, including irrevocable trusts and life insurance arrangements. We emphasize clear communication, careful documentation, and follow-through so clients understand how each component of their plan functions together to meet their long-term objectives and protect their loved ones.
An Irrevocable Life Insurance Trust is a trust created to own and control a life insurance policy for the benefit of named beneficiaries. Once the trust is established and a policy is transferred or purchased in the trust’s name, the grantor generally relinquishes ownership and control over that policy, which can remove the policy proceeds from the grantor’s estate for estate tax purposes. ILITs are used in a variety of planning situations, including those aiming to provide liquidity at death, fund obligations such as estate taxes, or create a protected source of funds for beneficiaries who may not be able to manage a lump-sum inheritance.
Effective ILIT planning requires attention to timing, funding, and coordination with other documents. For example, transfers to an ILIT within three years of death can be treated differently for estate tax purposes, and premium payments often must be structured to avoid gift tax complications. Trustees must follow terms of the trust and California law in administering the policy and distributing proceeds. Working through these issues in advance helps reduce the risk of unintended tax consequences, claims by creditors, or disputes among beneficiaries after a death.
An ILIT is a trust created under a written trust agreement that is intended to be irrevocable when funded with a life insurance policy. The trust becomes the owner and beneficiary of the policy, and the trustee manages premium payments and claims. Upon the insured’s death, the policy proceeds are paid to the trust and distributed according to the trust terms. Because the insured no longer owns the policy, the proceeds are typically not included in the insured’s gross estate for federal estate tax purposes, provided the transfer is not subject to special inclusion rules. Clear drafting is necessary to establish the intended legal and tax treatment.
Key components of an ILIT include the trust agreement, the trustee designation, identification of beneficiaries, instructions for premium funding, and provisions governing distributions upon the insured’s death. Typical steps include drafting the trust document, transferring an existing policy into the trust or having the trust acquire a new policy, establishing a dependable method for funding premium payments, and coordinating beneficiary designations with other estate planning documents. Trustees must maintain records and follow trust instructions, and it is important to plan around potential gift tax consequences when individuals other than the grantor provide funds to support premiums.
Understanding commonly used terms can make it easier to navigate ILIT planning. Terms such as grantor, trustee, beneficiaries, premium funding, Crummey withdrawal powers, taxable estate, and pour-over provisions frequently arise in discussions about life insurance trusts. This glossary provides plain-language definitions and explains how each term affects ownership, control, tax treatment, and administration. Familiarity with these concepts helps when reviewing drafts, discussing options with a trustee, or coordinating the ILIT with revocable trusts, wills, and other estate planning instruments.
The grantor is the person who establishes the ILIT and funds it with a life insurance policy or with the resources used to support premium payments. After transferring ownership of the policy to the trust, the grantor typically gives up control over the policy, although certain planning features can allow limited powers without defeating the intended tax treatment. Identifying the grantor’s intentions in the trust document is important because those intentions determine who benefits, how funds may be distributed, and how the trust interacts with the grantor’s overall estate plan under California law.
The trustee is the person or entity responsible for managing the ILIT according to the trust’s terms. Duties include paying premiums when the trust owns the policy, handling trust property, filing tax filings if required, and distributing insurance proceeds after the insured’s death. Trustees must follow fiduciary duties under law and the trust document, maintain accurate records, and work with counsel or financial advisors as needed. Choosing a trustee who understands the responsibilities and is willing to administer the trust reliably helps ensure that beneficiaries receive the intended protections and benefits.
Beneficiaries are the individuals or entities named to receive benefits from the trust when the insured dies. Distribution provisions specify timing and conditions for payments, which can include immediate lump sums, staged distributions, or restrictions tied to milestones such as age or education. Clear directions in the trust document can protect assets from creditors, guide funds toward intended uses like education or care, and reduce family disputes. When drafting these provisions, it is important to consider potential tax consequences and the needs of beneficiaries, including those with disabilities or special financial circumstances.
Crummey rights are withdrawal rights granted to beneficiaries to allow annual contributions used to pay insurance premiums to qualify for the annual gift tax exclusion. With limited notice and a temporary right to withdraw, beneficiaries create the necessary conditions for the contribution to be treated as a present interest gift rather than a future interest. Properly structured Crummey powers and documentation help avoid gift tax liabilities and ensure premium payments are excluded from taxable transfers, though the rules are technical and require careful drafting and administration to be effective under current tax law.
When deciding whether an ILIT is appropriate, it helps to compare it with alternative approaches such as naming beneficiaries directly on policies, using revocable living trusts, or leaving assets under a pour-over will. Each approach has different implications for control, tax treatment, creditor protection, and flexibility. Direct beneficiary designations are simple but may not offer the same protections or tax benefits as an ILIT. Revocable trusts provide broad estate planning benefits but do not remove assets from the taxable estate unless ownership is changed to an irrevocable vehicle like an ILIT.
For individuals whose total estate is far below the federal and state estate tax thresholds, the costs and complexity of creating an ILIT may outweigh the potential benefits. In those situations, maintaining a straightforward beneficiary designation on the life insurance policy or incorporating the policy into a revocable living trust may be sufficient to achieve the client’s goals without the administrative demands of an irrevocable trust. Simpler approaches reduce ongoing administrative duties and may still meet needs for liquidity or support of family members while avoiding excess legal expense.
If preserving flexibility is the primary concern, a revocable arrangement or direct beneficiary designation allows the policy owner to change terms, beneficiaries, or ownership more easily than an irrevocable trust. People who anticipate substantial life changes or who prefer the ability to respond to shifting circumstances may prioritize flexibility and choose simpler structures. That option may be appropriate when estate tax exposure is unlikely and when the goal is straightforward transfer of proceeds with minimal administration at the time of death.
A comprehensive estate plan ensures that the ILIT, revocable trust, will, powers of attorney, and healthcare directives all operate together without unintended conflicts. Coordination helps avoid mistakes such as inconsistent beneficiary designations, incomplete funding of trusts, or transfers within three years of death that could affect tax treatment. Working across all documents reduces the risk of probate complications and supports orderly transfer of assets. A coordinated approach ensures that the ILIT’s terms reflect the grantor’s overall intentions and financial circumstances at the time of creation and in the future.
When family dynamics, blended families, special needs beneficiaries, or creditor exposure are factors, a more detailed plan including an ILIT can offer protections and customized distribution mechanisms. A comprehensive review can identify how to use life insurance proceeds to achieve goals such as providing for a surviving spouse while preserving assets for children from a prior relationship, funding a trust for a family member with disabilities, or ensuring fair treatment among heirs. Careful planning can craft provisions that balance competing objectives while remaining compliant with applicable laws.
A comprehensive estate plan that integrates an ILIT can provide tax planning advantages, creditor protection for beneficiaries, and solutions for liquidity needs at death. It enables the orderly distribution of assets and can minimize family conflict by clearly articulating the grantor’s wishes in legally enforceable documents. Combining an ILIT with a revocable trust, pour-over will, powers of attorney, and healthcare directives creates a coordinated set of instructions that addresses both incapacity and post-death administration, reducing the burden on survivors and streamlining the settlement of the estate.
Additionally, a comprehensive approach allows for tailored provisions such as staggered distributions, spendthrift protections, and trust provisions designed to address unique family circumstances. Insurance proceeds placed in an ILIT can be used to pay estate liabilities, provide for ongoing family needs, or create a legacy through charitable distributions. Well-drafted documents also reduce uncertainty and litigation risk by specifying the trustee’s powers, beneficiaries’ rights, and mechanisms for resolving disputes, all of which support smooth trust administration in accordance with the grantor’s intent.
One key benefit of an ILIT within a comprehensive plan is estate tax mitigation when circumstances make it relevant. By removing ownership of a policy from the taxable estate, life insurance proceeds may be preserved for beneficiaries rather than being subject to estate taxes. This benefit is most meaningful for individuals whose total estate approaches or exceeds applicable federal or state thresholds. Properly structured and administered, an ILIT can be an effective tool to transfer value to heirs while aligning with the broader goals set out in the family’s estate plan.
An ILIT can contain provisions that control when and how beneficiaries receive funds, helping to protect assets from premature depletion, creditor claims, or poor financial choices. Trust terms may include staged distributions based on age or milestones, spendthrift protections to guard against creditors, and directives to use proceeds for specific purposes such as education or support. For families with vulnerable or financially inexperienced beneficiaries, these provisions provide a practical means to ensure that life insurance proceeds are used in ways that align with the grantor’s intentions and long-term family needs.
Ensure that ownership and beneficiary designations on any life insurance policy are aligned with the ILIT and other estate documents. Misalignment can create unintended outcomes such as inclusion of proceeds in the taxable estate or disputes between beneficiaries and trustees. When transferring an existing policy, follow insurer procedures carefully and keep precise records of the transfer. Also, review designations periodically, especially after major life events such as marriage, divorce, births, or significant changes to assets, so the ILIT continues to meet your goals within California’s legal context.
Select a trustee who understands the responsibilities involved with life insurance trust administration or appoint a corporate trustee capable of handling insurance transactions and recordkeeping. The trustee must be willing to manage premium payments, maintain accurate records, make timely claims, and distribute proceeds in accordance with the trust terms. Consider successor trustees and specify powers necessary for administration, such as authority to hire advisors or access information from insurers, so that the ILIT functions smoothly and beneficiaries receive the intended protection and benefits.
Consider an ILIT if you want to remove life insurance proceeds from your taxable estate, provide a dedicated source of funds for heirs, or create structured distributions to protect beneficiaries. ILITs can also be useful for funding estate tax liabilities or creating liquidity to pay expenses that arise at death. The decision to use an ILIT depends on the size and composition of your estate, your family circumstances, your objectives for those proceeds, and how the ILIT will interact with other estate planning documents such as trusts and wills.
You may also consider an ILIT when planning for blended families, special needs beneficiaries, or when you want to protect proceeds from potential creditor claims. An ILIT can be tailored to provide for education, care, or long-term financial stability while limiting direct access that could subject funds to outside claims. Because ILITs are irrevocable once funded, careful planning and coordination with other documents are necessary to ensure the trust reflects your broader intentions and meets legal requirements in California.
Frequent circumstances that lead clients to consider an ILIT include: sizable life insurance policies that could increase estate tax exposure, homeowners or business owners seeking liquidity for estate settlement, families with special financial needs or vulnerable beneficiaries, and those who wish to create structured distributions or creditor protections. Individuals close to estate tax thresholds may particularly benefit from removing the policy from the taxable estate. Each situation requires a tailored analysis to ensure the ILIT’s provisions align with goals and legal considerations.
When a client has a high net worth and significant life insurance, an ILIT can help preserve value for heirs by removing the policy proceeds from the taxable estate. In these situations, an ILIT is often used alongside other tax planning strategies to manage potential estate tax exposure, provide liquidity for estates that include illiquid assets such as real estate or business interests, and avoid forced sales or rushed dispositions when settling an estate. Proper timing and documentation are essential to achieve the intended tax benefits.
Families with beneficiaries who have special needs, disabilities, or other vulnerabilities may use an ILIT to ensure financial support is available while protecting eligibility for public benefits and shielding funds from creditors. The ILIT’s distribution terms can specify uses like supplemental care or educational support and can direct trustees to make decisions that support the beneficiary’s long-term welfare. Careful drafting helps balance support with protection and reduces the administrative and emotional burden on family members when needs arise.
Business owners often use life insurance within an ILIT to fund succession plans, buy-sell agreements, or to provide liquidity to pay estate-related obligations without disrupting business operations. Trust-held policies can ensure that remaining owners or family members have access to funds needed for a smooth transition or to equalize inheritances among heirs. Including clear instructions for the use of proceeds and coordinating the ILIT with business agreements helps prevent disputes and supports continuity of operations after a death.
The Law Offices of Robert P. Bergman serves Manteca and surrounding communities, offering tailored estate planning services that include irrevocable life insurance trusts, revocable living trusts, wills, powers of attorney, and healthcare directives. We focus on practical solutions designed to preserve family wealth, provide for beneficiaries, and address the legal and administrative requirements of trust ownership and insurance matters. Our goal is to provide clear guidance and reliable documentation so clients feel confident their plans will function as intended under California law.
We bring experience helping families and individuals in San Joaquin County create comprehensive estate plans that integrate ILITs with other legal tools such as revocable trusts, pour-over wills, and powers of attorney. Our approach emphasizes careful drafting, thoughtful coordination of beneficiary designations, and planning for premium funding and trustee administration. We prioritize client communication so you understand the implications of each decision and how the ILIT fits into a broader plan to meet your long-term objectives.
When a policy is intended to serve as a source of liquidity or to provide structured support for beneficiaries, we help design trust provisions that reflect those priorities while addressing legal and tax considerations. We assist with transfers of existing policies, arranging for trust-owned purchases when appropriate, and preparing notices and documentation needed for administration. Our practice helps clients avoid common pitfalls, maintain compliance with relevant rules, and preserve the intended protections for heirs.
Beyond drafting, we provide guidance on selecting trustees, documenting contributions, and coordinating the ILIT with other estate planning tools such as special needs trusts, retirement plan trusts, and pour-over wills. Our goal is to put in place a practical, durable plan that reduces future uncertainty and streamlines administration for loved ones. We also provide responsive assistance when circumstances change or when updates are needed to reflect new family or financial developments.
Our process starts with a careful review of your financial situation, family dynamics, existing estate planning documents, and objectives for life insurance proceeds. We assess whether an ILIT aligns with those goals and explain alternatives. If an ILIT is appropriate, we draft a trust instrument, advise on funding and premium payment methods, assist with transferring or acquiring a policy in the trust’s name, and prepare the notices and documentation necessary to support the intended tax treatment. We also provide guidance on trustee selection and recordkeeping practices.
In the initial meeting we gather information about assets, existing policies, family circumstances, and objectives for the proceeds. We review any current estate planning documents you have such as revocable trusts, wills, powers of attorney, and healthcare directives, and identify areas that require coordination. This step helps determine whether an ILIT is appropriate and outlines the potential tax, legal, and administrative implications so you can make an informed decision.
We request copies of life insurance policies, beneficiary designations, trust documents, wills, and relevant financial records to understand the current structure. Discussion of personal goals, family needs, and long-term plans is critical so the trust language is tailored to your intentions. We analyze ownership details, premium payment capacity, and recent transfers that could affect tax treatment to determine the best approach for funding and structuring an ILIT that fits within your overall estate plan.
After the documents are reviewed, we outline recommended options and the rationale for an ILIT or alternative approaches. This includes discussing trustee selection, Crummey powers if applicable, premium funding strategies, and coordination with other estate planning instruments. We explain the steps required to effect a transfer of ownership or to have the trust acquire a new policy and prepare a drafting strategy that aligns with your objectives while addressing legal and tax considerations.
Once a plan is agreed, we prepare the trust document and related paperwork needed to transfer an existing policy or to purchase a policy in the trust’s name. This phase addresses trustee powers, distribution provisions, and mechanisms for funding premium payments. We ensure that language concerning ownership, beneficiary designations, and any withdrawal rights are clearly stated and consistent with tax planning objectives to support the intended treatment of the policy proceeds.
Drafting includes clear provisions on trustee authority, successor trustees, distribution schedules, and any limitations designed to protect beneficiaries or comply with public benefit rules. We prepare funding instructions and, where appropriate, draft Crummey notices and procedures to document annual gifts for gift tax exclusion purposes. Trust documents are reviewed with you in detail so you understand the roles and responsibilities of parties involved and any ongoing administrative steps you must take.
If transferring an existing policy, we coordinate with the insurance carrier to effect the change in ownership and beneficiary designation and confirm acceptance by the insurer. If the trust will purchase a new policy, we advise on insurer requirements and the trustee’s role in application and ownership. Accurate recordkeeping of transfers and funding is important to support the desired tax treatment and to ensure the trust is properly administered going forward.
After an ILIT is in place and funded, ongoing administration includes timely premium payments, maintaining documentation of gifts and notices where applicable, and ensuring trustee actions follow the trust terms. Trustees should keep clear records, coordinate with financial institutions and insurers, and execute distribution instructions upon a claim. Periodic reviews of the ILIT in light of changes in family circumstances, asset values, or law help ensure the trust continues to meet its intended purposes and remains integrated with the broader estate plan.
The trustee must track premium payments, maintain copies of insurance policies and correspondence with carriers, document any beneficiary notices or Crummey withdrawal offers, and prepare for the timely filing of claims at the insured’s death. Proper recordkeeping supports both administration and any tax or legal review in the future and helps reduce potential disputes. Trustees should understand how to access necessary records and the steps to manage the trust consistent with its terms and with applicable law.
Life changes such as births, deaths, marriages, divorces, or significant shifts in asset values may require updates to the broader estate plan even if the ILIT itself remains irrevocable. Regular reviews help identify whether coordination with wills, revocable trusts, retirement plan designations, or other documents is needed. While an ILIT is irrevocable once funded, surrounding plans should reflect current goals, and counsel can advise on appropriate modifications to other components to maintain alignment with your intentions.
An Irrevocable Life Insurance Trust is a trust that becomes the owner and beneficiary of a life insurance policy, removing ownership from the insured individual once the transfer is completed. The trust holds the policy and receives proceeds at death, to be distributed according to the trust terms. People typically use an ILIT to preserve life insurance proceeds for heirs, create liquidity to pay estate obligations, and establish conditions for distributions that protect beneficiaries from creditors or poor financial choices. Creating an ILIT involves drafting a trust document, transferring an existing policy into the trust or having the trust acquire a new policy, and arranging funding for premiums. It is important to coordinate these steps with other estate planning documents to ensure beneficiaries and trustees are designated consistently and that funding mechanisms are documented. Proper timing and precise documentation are key to achieving the intended legal and tax results.
Funding an ILIT by transferring ownership of a life insurance policy can reduce the value of your taxable estate because the policy proceeds are owned by the trust rather than by you as an individual. For transfers made more than three years before death, proceeds generally are excluded from the grantor’s gross estate for federal estate tax purposes, which can preserve more value for beneficiaries. However, transfers within three years of death may be included in the estate, so timing matters in planning. California does not currently impose a separate estate tax in the same manner as some other states, but federal estate tax considerations and the overall size of one’s estate remain important. Funding the ILIT should be coordinated with other planning tools, and arrangements such as Crummey powers or documented gifts may be needed to obtain desirable gift tax treatment for premium payments used to maintain the policy.
Yes, an existing life insurance policy can frequently be transferred into an ILIT, but the transfer process must follow the insurer’s procedures and consider potential tax consequences. The policy owner executes an assignment to the trust and updates beneficiary designations so the trust is named as owner and beneficiary. Insurers may require forms to be completed and may review the transfer for any contractual implications. When transferring an existing policy, it is important to consider timing, because transfers made within three years of the insured’s death may remain part of the insured’s taxable estate. Additionally, the trust must be properly structured and funded to pay premiums after transfer; otherwise, the policy could lapse. Careful documentation and coordination with the insurer reduce the risk of problems during administration.
Crummey withdrawal rights are temporary rights given to trust beneficiaries to withdraw a portion of a gift for a short period, typically to allow contributions used to pay insurance premiums to qualify for the annual gift tax exclusion. By providing beneficiaries with a short, enforceable right to withdraw, the contribution is treated as a present interest gift rather than a future interest, which has different tax treatment. Notices and records of those rights are commonly part of ILIT administration. Crummey powers must be carefully implemented and documented, including providing appropriate notices to beneficiaries and respecting the withdrawal window. Failure to provide adequate notice or to follow procedural steps can jeopardize the intended gift tax treatment. Trustees should keep evidence of the notices and any actions taken so the contribution qualifies as intended under tax regulations.
Trustee selection depends on factors such as the complexity of the trust, the trustee’s willingness and ability to administer an insurance policy, and the desire for impartial administration. A trustee may be a trusted family member, a professional individual, or a corporate trustee. Whoever is chosen should be comfortable handling premium payments, interacting with insurers, keeping records, and fulfilling fiduciary obligations under the trust terms and applicable law. Many clients name successor trustees to ensure continuity if the primary trustee is unable or unwilling to serve. A trustee with some familiarity with financial administration is often preferable, and the trust can authorize the trustee to hire advisors or accountants as needed. Clear instructions and powers in the trust document help trustees meet their responsibilities efficiently.
After an ILIT is established, premiums are typically paid from gifts to the trust made by the grantor or other contributors. If Crummey powers are used, those gifts may qualify for the annual gift tax exclusion. The trust document should include instructions on how premiums will be handled, including whether the trustee will have authority to invest trust funds or accept contributions specifically earmarked for premiums. Proper documentation of each contribution and premium payment is critical for tax and administrative purposes. In some instances, family members may contribute funds, but the structure of those contributions must be planned to avoid unintended tax consequences. The trustee should maintain clear records of gifts and premium payments and follow any notification procedures required by the trust terms to support the intended gift tax treatment and ensure continued coverage under the policy.
Yes, one of the main purposes of many ILITs is to provide liquidity to pay estate expenses such as taxes, debts, or administration costs so that other assets do not need to be sold quickly. Because the trust receives the policy proceeds directly, funds are available to the trustee to meet obligations or to distribute to beneficiaries according to the trust terms. This function is particularly useful where estates include illiquid assets like real estate or closely held business interests. It remains important to consider whether the ILIT’s distribution provisions and trustee powers permit using funds for estate obligations. Clear drafting that authorizes the trustee to apply proceeds for necessary expenses will help avoid delays or disputes. Also, adequate funding of premiums during the insured’s lifetime ensures that the policy remains in force to provide the intended liquidity.
An ILIT can offer protections that reduce the likelihood of policy proceeds being reachable by creditors or subject to a beneficiary’s divorce settlement, depending on trust terms and applicable law. By keeping proceeds in trust and including spendthrift clauses or other protective provisions, distributions can be controlled and timed to reduce exposure to claims. These protections can help ensure that proceeds are used for their intended purposes rather than being immediately available to creditors or through marital division. While trusts can provide meaningful protection, they do not guarantee absolute immunity in every circumstance, and outcomes depend on the structure of the trust, timing of transfers, local law, and specific creditor claims. A careful review of potential creditor risks and tailored drafting are necessary to balance asset protection with the grantor’s goals and legal constraints.
An ILIT typically operates alongside a revocable living trust and will as a distinct, irrevocable vehicle for life insurance. The revocable trust controls revocable assets and incapacity planning, while the ILIT specifically holds the life insurance policy and directs its proceeds. To avoid conflicts, beneficiary designations and trust terms should be coordinated so that distributions proceed according to the overall estate plan, with the ILIT remaining a separate, enforceable entity for the policy proceeds. A pour-over will can direct assets to a revocable trust at death, but the ILIT remains separate and controls the policy funds placed into it. Coordination ensures that the ILIT’s provisions complement the rest of the estate plan and that trustees and personal representatives understand their respective roles in administering and distributing assets according to the grantor’s intentions.
To get started with an ILIT, gather relevant documents such as existing life insurance policies, current trust and will documents, beneficiary designations, and financial statements. Schedule an initial review to discuss your objectives, policy values, and family circumstances so that an appropriate plan can be developed. During that meeting we will evaluate whether an ILIT is appropriate and outline the steps and timing involved in drafting and funding the trust. If an ILIT is the right choice, the next steps typically include drafting the trust agreement, coordinating with insurers to transfer policy ownership or arranging for a trust-owned purchase, establishing procedures for premium funding, and preparing any necessary notices. Ongoing administration responsibilities will also be explained so you and your chosen trustee understand what will be required after the trust is funded.
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