An Irrevocable Life Insurance Trust (ILIT) can be a powerful component of a thoughtful estate plan for families in Woodbridge and throughout San Joaquin County. This page explains how an ILIT works, why clients consider this type of trust, and how it coordinates with other estate planning documents like revocable living trusts, wills, powers of attorney, and health care directives. We focus on practical steps for funding a trust, naming trustees and beneficiaries, and preserving life insurance proceeds for future generations while addressing tax and creditor concerns under California law and federal rules.
Choosing the right approach to an ILIT involves careful planning around ownership, beneficiary designations, and premium payments so that proceeds are distributed according to your wishes. This section outlines how an ILIT differs from keeping a life insurance policy outside of trust, and why transferring ownership properly at the right time matters to avoid unintended gift or estate tax consequences. Our goal is to provide clear, reliable guidance so you can decide whether adding an ILIT to your package of estate planning documents makes sense for your family’s goals and financial circumstances.
An ILIT helps protect life insurance proceeds from estate taxation and can provide a structured way to distribute funds to beneficiaries over time rather than delivering a single lump sum. For families with larger estates, an ILIT can reduce the taxable estate by excluding the death benefit from estate inclusion when the trust is properly funded and ownership changes are completed early enough. Beyond tax planning, an ILIT can protect funds from creditors, preserve benefits for minors or beneficiaries with special needs, and support long-term financial goals such as education or retirement income for survivors through trustee-directed distributions.
The Law Offices of Robert P. Bergman serve clients throughout San Joaquin County and the Bay Area with a focus on practical estate planning solutions that reflect California law and local probate practice. We help families design trusts, draft pour-over wills, prepare powers of attorney and health care directives, and implement trusts such as ILITs and special needs trusts. Our approach emphasizes clear communication, careful coordination of beneficiary designations and trustee responsibilities, and tailored documents that match your financial circumstances and family priorities while ensuring tax and administrative considerations are addressed.
An ILIT is an independent trust that holds life insurance policies outside of your probate estate. To create an effective ILIT, the grantor transfers an existing policy to the trust or has the trust purchase a new policy and names the ILIT as owner and beneficiary. Funding the trust with gifts sufficient to cover premium payments is a common step, and the trust terms govern how proceeds are held and distributed after the insured’s death. Careful attention to timing, gift tax exclusion rules, and trustee duties is necessary to accomplish the intended estate planning benefits and to avoid unintended tax consequences.
Key practical questions include deciding who will serve as trustee, whether the trust should include distribution standards for children or other beneficiaries, and how to coordinate the ILIT with other documents such as a revocable living trust or pour-over will. Trustees must manage premium receipts, make policy decisions, and distribute proceeds in accordance with trust terms. Regular reviews of the ILIT are important when family circumstances, tax law, or policy ownership changes occur, so the overall plan remains aligned with your goals for asset protection and family support.
An Irrevocable Life Insurance Trust is an arrangement in which a trustee holds title to one or more life insurance policies and controls how proceeds are used after the insured’s death. Because the trust is irrevocable, the grantor gives up direct ownership and control, which can keep the death benefit out of the grantor’s taxable estate if transfers meet IRS timing rules. The trust document sets out who can receive income or principal, when distributions are allowed, and any protections for beneficiaries, creating a reliable vehicle for preserving life insurance benefits for intended recipients under the terms you select.
Establishing an ILIT typically involves drafting trust terms, deciding whether to transfer an existing policy or have the trust obtain a new policy, naming trustees and beneficiaries, and planning premium funding through gifts or other means. Accurate titling of the policy, timely gift transfers to cover premium payments, and attention to three-year lookback rules for transfers are essential components. The trustee’s administrative duties include maintaining records, paying premiums, and managing distributions consistent with the trust document while coordinating with other estate planning instruments to ensure overall coherence of the estate plan.
Understanding common terms helps demystify ILIT planning. This glossary covers ownership transfer, grantor, trustee, beneficiary, gift tax considerations, estate inclusion rules, and the three-year rule that can affect estate tax treatment. Becoming familiar with these concepts will help you evaluate whether an ILIT will deliver the intended protections and tax results, and it will make conversations with legal and financial advisers more productive. If you have retirement plans, special needs concerns, or other complex assets, coordinating these elements with an ILIT is particularly important.
Ownership transfer refers to changing title of a life insurance policy from the insured or policyholder to the ILIT so that the trust becomes the legal owner and beneficiary. A proper transfer requires assigning the policy and updating the insurer’s records to list the trust as owner and payee of proceeds. Timing matters because transfers made within three years of death may still be included in the grantor’s estate for tax purposes under federal rules, which can counteract intended estate tax savings. Coordinated planning ensures the transfer achieves the desired exclusion from the taxable estate when possible.
Gift tax exclusion refers to the annual exclusion that allows a grantor to give funds to the ILIT for premium payments without triggering gift tax, provided the gifts qualify and are structured correctly. To use the annual exclusion for premium payments, trustees may provide a Crummey notice to beneficiaries when gifts are made, which allows beneficiaries a temporary withdrawal right and helps preserve the exclusion. Proper documentation and timing of gifts are essential to maintain IRS compliance and the intended tax treatment of contributions for policy premiums.
The three-year rule is a federal tax provision that generally includes life insurance proceeds in the grantor’s estate if the insured transferred ownership of the policy to the trust within three years of death. This rule can affect the estate tax benefits of an ILIT, so transfers should be made with sufficient lead time whenever possible. When transfers occur within that period, other planning tools or alternative structures may be considered to achieve similar objectives. Understanding this timing constraint is a core part of effective ILIT planning and coordination with the overall estate plan.
Trustee responsibilities include holding and managing the policy, coordinating premium payments, maintaining records, providing beneficiary notices required by law, and administering distributions according to the trust terms. Trustees act in a fiduciary role, carrying out the grantor’s directives and making decisions consistent with the trust document and applicable law. Selecting a trustee who understands the administrative demands, or providing clear trust provisions for trustee actions, helps ensure that the ILIT functions smoothly and that life insurance proceeds are protected and distributed as intended.
One option is to keep life insurance policies titled to the individual and name beneficiaries directly, which can be simpler but may leave proceeds subject to estate inclusion, creditor claims, or lack of structured distribution. An ILIT adds layers of control and potential tax and creditor protection but requires administrative setup, trustee management, and careful funding. Evaluating whether an ILIT or a more limited approach fits your situation depends on estate size, beneficiary needs, asset protection concerns, and comfort with trustee oversight. A tailored comparison helps you weigh simplicity against long-term control and protection goals.
A limited approach may be appropriate when the overall estate size is modest and beneficiaries are financially competent adults who will receive proceeds directly without need for structured distributions. If the primary goal is to ensure prompt liquidity for funeral costs or replacing household income and there is limited concern about estate taxes or creditor claims, keeping a policy outside of trust may be a practical and cost-effective solution. Simple beneficiary designations and coordination with a will can provide adequate protection while avoiding the complexity of trust administration.
When the likelihood of substantial estate tax or creditor exposure is low, a limited approach can reduce administrative burdens without sacrificing core objectives. For individuals whose combined assets are below relevant federal or state thresholds and who face minimal creditor risk, designating beneficiaries directly and maintaining clear policy records may be sufficient. In such cases, preserving simplicity, maintaining accessible documentation, and regular reviews of beneficiary designations and beneficiary contact information help ensure that proceeds are paid according to your wishes without the need for trust ownership.
A comprehensive ILIT strategy is often recommended for larger estates where estate tax exposure or complex family circumstances exist. An ILIT can remove a death benefit from the grantor’s taxable estate if ownership transfers and funding are handled properly, offering potential tax savings for heirs. When beneficiaries include minors, individuals with special needs, or family members with creditor risks, an ILIT provides structured distributions that align with long-term family goals. Integrating an ILIT with other estate planning documents ensures consistent administration and reduces the risk of conflicting beneficiary instructions.
Comprehensive planning using an ILIT provides control over how insurance proceeds are used and can protect assets from certain creditor claims when structured appropriately. The trust document can define distribution triggers, spending limits, and conditions for releases of funds to beneficiaries, which is useful for families concerned about substance dependency, creditor exposure, or beneficiaries who lack financial experience. By specifying successor trustees and procedures, an ILIT also ensures continuity and clarity in administration over time, reducing the chance of disputes and unintended distributions that could undermine long-term objectives.
A comprehensive ILIT strategy aligns life insurance ownership with broader estate planning goals to produce predictable outcomes when funds are needed. It helps preserve benefits for the intended recipients, reduces the risk of estate inclusion for tax purposes when transfers are timed properly, and separates insurance proceeds from personal creditors in many circumstances. When combined with wills, revocable living trusts, and powers of attorney, an ILIT contributes to a coherent legacy plan that covers incapacity, end-of-life decisions, and distribution of assets to family members across generations.
In addition to tax and creditor considerations, a comprehensive approach ensures that beneficiaries who are minors, have disabilities, or need assistance managing money receive funds under terms that protect their long-term well-being. A well-drafted ILIT clarifies trustee powers, successor appointment, and distribution standards, reducing the potential for family disputes and providing a stable mechanism for fulfilling long-term promises such as funding education or supporting a surviving spouse. This predictability can be especially valuable during an emotionally difficult time following the insured’s death.
One central benefit of a comprehensive ILIT strategy is the potential to reduce estate tax exposure by keeping life insurance proceeds outside the grantor’s estate when ownership is transferred and the timing rules are observed. By excluding insurance proceeds from estate inclusion, families may preserve a larger share of their estate for heirs and reduce the burden of estate administration. This planning requires attentive coordination with gifting strategies, trust terms, and overall asset allocation to achieve the intended preservation of wealth and to align distributions with your long-term objectives.
An ILIT allows you to define conditions for distributions that protect funds intended for minors, individuals with disabilities, or beneficiaries who may face creditor claims. Trust provisions can stagger distributions, require trustee oversight for major disbursements, and set objectives such as paying for education or living expenses. This safeguards proceeds from misuse and offers a structured approach to family support. Clear drafting also eases trustee administration and provides peace of mind that proceeds will be used as intended, reducing the likelihood of disputes among heirs.
Timing matters when transferring life insurance to an ILIT because federal rules may include proceeds in the estate if ownership changes occur within three years of death. Planning ownership transfers well in advance helps preserve intended tax benefits and reduces the risk that the policy will be pulled back into the taxable estate. Discuss the timing of transfers alongside the rest of your estate plan and consider funding strategies for premiums so that the trust can reliably maintain the policy without surprise funding gaps or unintended tax consequences.
An ILIT is most effective when coordinated with your revocable living trust, pour-over will, powers of attorney, and health care directives so that each document supports a unified plan. Ensure beneficiary designations on retirement accounts and life insurance policies align with trust objectives to avoid unintended results. Regularly reviewing the entire package of estate planning documents after major life events or changes in tax law helps confirm that the ILIT and other instruments remain aligned with your goals for distribution, creditor protection, and tax planning.
You might consider an ILIT if you aim to preserve life insurance benefits for heirs while minimizing estate tax exposure and shielding proceeds from certain creditor claims. An ILIT is particularly relevant when wealth transfer, ongoing family support, or structured distributions are priorities. The trust can provide liquidity to pay estate expenses, replace lost income, or fund long-term goals like education or care for a dependent. Evaluating your family composition, asset levels, and long-term goals will indicate whether an ILIT fits into your broader plan.
Additional reasons to choose an ILIT include the desire to protect proceeds for beneficiaries who may not be financially experienced, to provide for individuals with special needs without disrupting public benefits, or to ensure orderly management of significant life insurance proceeds. When the objective is to create predictable, managed distributions over time rather than immediate lump-sum payments, an ILIT helps set the rules in advance. The trust also offers continuity by naming successor trustees and setting procedures that guide administration after the grantor’s death.
Common circumstances that prompt families to use an ILIT include large estates concerned about federal estate tax exposure, beneficiaries who are minors or have special needs, potential creditor or divorce risks affecting beneficiaries, and desires to control the timing and purpose of distributions. Business owners who want to ensure liquidity for successors, individuals who hold substantial life insurance unrelated to their revocable trust, and families seeking to pass assets across generations without probate involvement also often look to ILITs for structured, reliable outcomes.
When beneficiaries include minor children, an ILIT offers a way to allocate life insurance proceeds in phases, appoint a trustee to manage funds responsibly, and include educational or health care priorities in the trust terms. This structure avoids leaving a large lump sum directly to minors and gives a trusted fiduciary authority to handle distributions until beneficiaries reach ages or milestones you specify. Properly drafted provisions ensure that funds are available for immediate needs while protecting long-term interests through trustee oversight and documented distribution standards.
If beneficiaries face potential creditor claims or divorce proceedings, an ILIT can offer a level of protection by placing proceeds in trust and setting distribution standards that reduce direct access. While no structure guarantees absolute protection in every circumstance, properly drafted trust provisions can limit the reach of creditors and provide a controlled environment for distributing funds. Considering family dynamics and potential risks helps determine whether an ILIT’s controlled distribution and trustee oversight align with your goals for preserving assets for intended recipients.
When a beneficiary relies on public benefits, using an ILIT or coordinating with a special needs trust can protect eligibility while ensuring necessary supplemental support. An ILIT can be drafted to make discretionary distributions that improve the beneficiary’s quality of life without counting as income for public benefit purposes when coordinated with proper trust language. Careful planning with attention to the interaction between private trust distributions and public benefit rules helps support vulnerable family members while preserving access to essential services.
We provide personalized legal support to residents of Woodbridge and San Joaquin County who are exploring ILITs or expanding their estate planning portfolios. Our practice assists with drafting trust documents, transferring policy ownership, coordinating premium funding, and advising trustees on administrative duties. We help clients integrate ILITs with revocable living trusts, pour-over wills, powers of attorney, and health care directives to build a cohesive plan. If you need assistance reviewing beneficiary designations or confirming timing to achieve tax and protection goals, we are available to discuss options and next steps.
The Law Offices of Robert P. Bergman provide focused estate planning services tailored to California clients, including ILIT drafting and implementation. We emphasize thorough planning, clear documentation, and careful coordination of trust terms with other estate planning instruments. By guiding clients through policy transfers, Crummey notice procedures, and trustee selection, we help create plans that align with family goals and practical considerations. Our client-centered approach prioritizes communication and timely administration to reduce unexpected complications and support orderly management of life insurance proceeds.
Working with our office means receiving straightforward explanations of complex rules, practical strategies for funding and administration, and assistance with ongoing reviews of estate documents as family or financial circumstances change. We assist in documenting gifts for premium payments, preparing trustee instructions, and updating beneficiary designations so that the ILIT fits within a cohesive estate plan. Our priority is to help clients make informed decisions that protect their assets and provide for loved ones in a reliable, well-documented manner.
We serve individuals and families throughout San Joaquin County and the surrounding region, and we understand the interplay between state probate procedures and federal tax considerations. When necessary, we coordinate with financial advisors, insurance agents, and tax professionals to implement a complete plan. Our aim is to reduce administrative friction and provide clarity for trustees and beneficiaries so the ILIT functions as intended when called upon to support your family’s future needs.
Our process begins with a detailed consultation to understand your assets, family dynamics, and objectives for life insurance proceeds. We review existing policies, beneficiary designations, and related documents, then recommend whether an ILIT is appropriate and how it should be structured. After drafting trust documents and coordinating policy transfers, we provide guidance for premium funding, trustee selection, and recordkeeping. We also offer periodic reviews and updates to reflect changes in law or family circumstances so the ILIT remains effective and aligned with your estate plan.
In the initial phase we assess your current policies, estate composition, and short and long-term goals. This includes evaluating whether to transfer an existing policy or have the trust acquire a new one, determining funding sources for premiums, and identifying appropriate trustees and beneficiaries. We also consider interactions with other estate documents such as wills and powers of attorney so the ILIT integrates smoothly into the overall plan. Clear upfront planning helps avoid timing pitfalls that could affect tax or administrative outcomes.
We examine existing life insurance policies, beneficiary designations, and ownership arrangements to determine the best path for transfer or trust purchase. Reviewing policy terms and insurer procedures helps ensure transfers are executed correctly with the insurer and that beneficiary records reflect the trust ownership. This step also identifies whether any contingent or secondary beneficiaries require special consideration and whether current ownership might trigger estate inclusion if transferred too close to the insured’s death.
A practical funding strategy for premiums is essential to keep the policy in force and to preserve desired tax treatment. We assist with documentation of gifts to the trust, advise on annual exclusion techniques, and outline procedures for issuing beneficiary notices when Crummey powers are used. Proper recordkeeping and communication with trustees and beneficiaries help substantiate the intended gift treatment and maintain continuity for premium payments over the life of the policy.
During trust formation we draft the ILIT document to reflect your distribution preferences, trustee powers, and administrative instructions. The document will address policy ownership, trustee duties, distribution standards, and successor trustee appointments. We coordinate the execution of the trust instrument, the transfer of policy ownership with the insurer, and any necessary notices to beneficiaries. A carefully drafted trust reduces ambiguity and sets clear expectations for trustees managing premiums and eventual distributions of proceeds.
Once documents are finalized, we oversee execution formalities and confirm transfer of ownership with the insurance company. This may involve endorsements, assignment forms, and updated policy applications. Confirming the insurer’s acceptance of the trust as owner and beneficiary is a vital step that establishes the trust’s legal position regarding the policy and prevents administrative disputes later. Coordination with the insurer ensures that records reflect the trust as the policyholder and payee of proceeds.
We provide trustees with written guidance on recordkeeping, premium payment procedures, and common administrative tasks such as issuing beneficiary notices or handling claims. Trustees receive information on their fiduciary obligations and practical checklists to maintain the policy and documents. This support helps trustees manage the ILIT efficiently and ensures continuity if successors later assume the role, reducing administrative burden at critical times and helping the trust fulfill its intended purpose.
After formation, ongoing management includes confirming premium payments, updating records, and periodically reviewing the trust and related documents. Life changes, tax law updates, or shifts in family circumstances may require amendments to the broader estate plan, beneficiary updates, or replacement of policies. Regular reviews help identify whether the ILIT continues to meet your needs and whether additional steps, such as trust modifications or coordination with retirement assets, are warranted to maintain alignment with your objectives.
We recommend annual check-ins and reviews after major events like births, deaths, marriages, divorces, or significant asset changes. These reviews confirm that premium funding is sustainable, beneficiaries remain appropriate, and trustee arrangements continue to be suitable. Event-driven updates ensure the ILIT and the larger estate plan adapt to changing realities and preserve intended protections for beneficiaries while maintaining compliance with evolving legal standards and insurer requirements.
Cooperation with financial planners and insurance agents ensures that policy performance, premium schedules, and investment objectives are consistent with the trust’s purposes. We often coordinate with outside advisors to evaluate replacement policies, changes in coverage, or premium payment strategies that affect long-term viability. This collaborative approach helps maintain a durable plan for funding the ILIT and ensures that life insurance remains a reliable component of your estate strategy over time.
An Irrevocable Life Insurance Trust is a trust that owns life insurance policies and controls distribution of proceeds outside of the insured’s probate estate. The grantor transfers an existing policy to the trust or has the trust purchase a policy, with the trust named as owner and beneficiary. Because the trust is irrevocable, the grantor gives up direct ownership, and the trust document specifies trustee powers, beneficiary rights, and distribution standards so proceeds are managed according to the grantor’s objectives. The ILIT functions by separating ownership from the insured so that death benefits pass to the trust and are distributed under its terms. Proper timing of transfers and careful funding for premiums are essential to achieve desired tax and protection results. Trustees manage premium payments, keep records, and distribute proceeds consistent with the trust language, which helps protect funds and implement long-term family goals.
Transferring a life insurance policy to an ILIT can reduce estate taxes in many cases, but it is not automatic. Federal estate inclusion rules may apply if the transfer occurs within three years of the insured’s death, which can bring the policy proceeds back into the taxable estate. To secure potential tax benefits, transfers should be made with sufficient lead time, and funding should be arranged so that the trust can maintain the policy without further transfers that could complicate tax results. Estate tax reduction also depends on the overall size of the estate and current tax thresholds. Even when estate tax concerns are limited, an ILIT may provide other valuable benefits, such as creditor protection and controlled distributions for beneficiaries. A careful review of your asset levels and timing considerations helps determine the likely tax impact of an ILIT for your situation.
Trustees handle premium payments by accepting contributions made to the trust and using those funds to pay the insurer directly. Many ILITs employ annual gifting strategies where the grantor contributes amounts to the trust designated to cover premiums, often using available annual gift tax exclusions. Trustees must maintain records of gifts, issue notices to beneficiaries when appropriate, and document premium payments to show proper administration and support desired tax treatment. In practice, trustees coordinate with financial advisors and insurers to ensure premiums are paid on time to keep policies in force. Clear trust language about funding procedures, and instructions for maintaining liquidity for premiums, reduces the risk of lapse and ensures that the policy will provide the intended benefit when needed.
Yes, an ILIT can be drafted to name a beneficiary who receives distributions on terms that preserve eligibility for public benefits, but this requires careful planning. A properly designed trust that provides discretionary distributions for supplemental needs rather than direct support for basic needs can often avoid being counted as income for benefits eligibility. Coordination with a special needs trust or careful drafting of distribution standards is important to protect a beneficiary’s access to government programs. Working with advisors who understand how public benefits rules interact with private trusts helps ensure distributions do not inadvertently disqualify a beneficiary. Careful drafting of trustee discretion, permitted uses of funds, and coordination with other trust vehicles can deliver support while preserving essential benefits.
A Crummey notice informs beneficiaries that a gift has been made to the trust and that they have a temporary right to withdraw the gift for a limited period. This notice is used to preserve the annual gift tax exclusion for contributions intended to fund premium payments. By giving beneficiaries a short window to exercise withdrawal rights, the gift can qualify as a present interest under tax rules, enabling the grantor to use annual exclusions without incurring gift tax consequences. Although beneficiaries rarely exercise withdrawal rights, providing such notices and documenting the process helps substantiate exclusion eligibility. Trustees should manage the notice process and document whether beneficiaries waived or declined the withdrawal right to maintain clear records for tax purposes.
The three-year rule generally states that life insurance proceeds are included in the grantor’s estate for tax purposes if the insured transferred ownership of the policy within three years of death. This rule can negate the intended estate tax benefits of transferring a policy to an ILIT shortly before death. For that reason, timing is critical; transfers completed well in advance of the three-year window are more likely to achieve exclusion from the estate. When transfers occur within the three-year period, other planning techniques or structures may be necessary to achieve similar goals. Evaluating timing, potential exceptions, and alternative strategies with legal and tax advisors helps determine the best approach given your timeline and objectives.
When choosing a trustee for an ILIT, consider someone with reliability, organizational skills, and familiarity with administrative tasks. Trustees must manage premium payments, maintain records, interact with insurers, and make distribution decisions consistent with the trust terms. Naming a successor trustee and providing clear guidance in the trust document reduces the potential for administrative gaps and ensures continuity if the initial trustee is unable to serve. Some clients name a trusted family member, a professional fiduciary, or a corporate trustee depending on complexity and comfort level. The choice should reflect the trust’s responsibilities and the willingness of the person or entity to accept ongoing duties, and it should align with your goals for impartial administration and continuity across generations.
Existing policies can often be transferred into an ILIT after issuance, but insurers have specific procedures and may require assignments, forms, or endorsements to effect the change. Confirming acceptance by the insurer and ensuring the trust is properly named as owner and beneficiary are important steps to formalize the transfer. The transfer’s timing relative to the insured’s death also needs to be reviewed because the three-year rule may affect estate inclusion if the transfer is recent. Before transferring an existing policy, review policy terms, surrender charges, and replacement considerations to determine whether transfer or replacement serves your goals best. Coordinating with the insurer and documenting the transfer maintains clarity and supports the trust’s administration.
An ILIT interacts with your revocable living trust and will as part of a coordinated estate plan. While a revocable trust or will may govern distribution of probate assets, an ILIT specifically holds life insurance outside of probate and directs how those proceeds are used. Ensuring beneficiaries and trustee instructions in the ILIT do not conflict with the broader estate plan helps prevent unintended outcomes or family disputes after the insured’s death. Coordination includes aligning beneficiary designations on retirement accounts and life insurance policies with trust goals, confirming pour-over wills complement trust structures, and reviewing power of attorney and health care directives so all documents work together to carry out your estate objectives efficiently and predictably.
Common mistakes when establishing an ILIT include failing to transfer ownership properly with the insurer, not documenting gifts used to pay premiums, neglecting to issue Crummey notices when needed, and transferring policies too close to the insured’s death. These oversights can result in unintended estate inclusion or administrative complications that undermine the trust’s intended benefits. Clear documentation and timely action are essential to avoid these pitfalls. Another frequent error is inadequate trustee guidance or appointment of a trustee who is unable or unwilling to manage ongoing duties. Providing detailed trustee instructions, naming successors, and coordinating with advisors reduces the risk of policy lapse, distribution disputes, or unclear administration, ensuring the ILIT functions as intended when proceeds are needed.
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