An Irrevocable Life Insurance Trust (ILIT) can be a powerful tool for managing life insurance proceeds and reducing estate tax exposure for residents of Dixon and Solano County. This page explains what an ILIT does, how it operates in conjunction with other estate planning documents, and why individuals and families often choose this approach when they want to control distribution of insurance proceeds outside of the probate estate. We discuss relevant benefits, common scenarios where an ILIT is appropriate, and how the Law Offices of Robert P. Bergman assist clients with creating and funding these trusts to align with personal and financial goals.
At the Law Offices of Robert P. Bergman, clients receive careful guidance on integrating an ILIT with a broader estate plan that may include a revocable living trust, pour-over will, advance health care directive, and powers of attorney. Our approach emphasizes clear communication about how the trust will be funded, naming of trustees and beneficiaries, and potential tax considerations. We work with clients in Dixon to draft trust terms that reflect their intentions for life insurance proceeds, while anticipating common administrative and practical issues trustees may face after a policyholder’s death.
An ILIT provides a structure for holding life insurance outside the grantor’s taxable estate, preserving insurance proceeds for beneficiaries and often simplifying administration after death. This arrangement can offer creditor protection for trust assets, enable specific distribution instructions, and help safeguard benefits for heirs who may be minors or have special needs. For families with substantial life insurance policies, an ILIT can also protect the proceeds from being included in probate, which may lead to faster access by beneficiaries and greater privacy regarding the distribution of assets and policy terms.
The Law Offices of Robert P. Bergman focuses on estate planning matters for individuals and families across Solano County, including Dixon and nearby communities. Our practice helps clients prepare cohesive plans that commonly include revocable living trusts, wills, powers of attorney, and irrevocable trusts like ILITs. We emphasize practical drafting, clear instructions for trustees, and coordination with financial and insurance professionals so that trust funding and beneficiary designations align with the overall plan. Clients are guided through the process in a manner designed to be understandable and responsive to their personal circumstances.
An Irrevocable Life Insurance Trust is created to own a life insurance policy or receive policy proceeds upon a policyholder’s death. Because the trust is irrevocable, the grantor gives up direct ownership and certain powers over the policy, which can remove the proceeds from the taxable estate for federal and state estate tax purposes. Funding an ILIT typically involves transferring an existing policy to the trust or having the trust purchase a new policy. Careful drafting is required to comply with tax rules, such as the three-year rule governing transfers, and to specify how distributions should be managed for beneficiaries.
Creating and administering an ILIT involves several technical steps: naming trustees and successor trustees, establishing the trust’s terms for distribution and use of funds, preparing documentation for funding the trust, and coordinating with the life insurance carrier. Trustees may be given authority to pay premiums, invest trust assets, and make distributions according to the trust document. Clear communication with family members and financial advisors is important so that the grantor’s intent is understood and the trust functions smoothly when it becomes active.
An Irrevocable Life Insurance Trust is a legal arrangement in which life insurance policies are owned by a trust rather than an individual. The trust holds title to policies and receives death proceeds, which are then distributed according to the trust terms. Because the trust, not the grantor, is the policy owner, proceeds can be kept out of the grantor’s probate estate. The trust document sets conditions for distributions, appoints a trustee to manage funds, and may include provisions for paying estate taxes or providing for ongoing family needs while preserving the intent behind the insurance plan.
Key elements of a well-structured ILIT include the trust agreement, trustee appointment, beneficiary designations, funding mechanism, premium payment arrangements, and any provisions for distributions and trust administration. The process usually begins with drafting the trust, transferring ownership of an existing policy or purchasing a new policy through the trust, establishing how premiums will be paid, and ensuring beneficiary designations and related documents are consistent. Trustees must keep accurate records, manage trust assets prudently, and communicate with beneficiaries regarding timing and conditions of distributions.
Understanding terminology can help clients make informed decisions when considering an ILIT. Terms to be familiar with include grantor, trustee, beneficiary, funding, premium gifting, Crummey powers, estate inclusion rules, and the three-year rule. Familiarity with these concepts helps ensure proper drafting and administration, prevents unintended tax consequences, and clarifies trustee responsibilities. We provide explanations and practical examples so clients in Dixon can weigh the benefits of an ILIT alongside other estate planning tools like revocable trusts and pour-over wills.
The grantor is the person who creates and funds the trust by transferring assets or designating the trust as policy owner. In the context of an ILIT, the grantor typically transfers ownership of a life insurance policy to the trust or arranges for the trust to purchase a new policy. Because the grantor relinquishes certain ownership powers when creating an irrevocable trust, the grantor should be comfortable with the trust terms and any limitations on modifying or revoking the trust after it is established.
The trustee is the individual or institution responsible for managing the trust according to its terms, handling premium payments if applicable, and distributing proceeds to beneficiaries when directed. Trustees have fiduciary duties, including managing trust assets prudently, keeping accurate records, and acting impartially among beneficiaries. When serving as trustee of an ILIT, careful attention must be paid to tax compliance, documentation of premium gifts from the grantor, and any powers granted in the trust document to handle investments or distributions.
A beneficiary is a person or entity designated to receive trust assets or income under the trust document. In an ILIT, beneficiaries typically receive distributions of insurance proceeds upon the insured’s death, subject to the trust’s conditions and timing rules. Trust terms can define outright distributions, staggered payouts, or ongoing support for specific purposes such as education, healthcare, or long-term maintenance. Clear beneficiary designations and contingency plans help avoid disputes and ensure the grantor’s intentions are followed.
A Crummey power is a limited right granted to trust beneficiaries to withdraw gifts made to the trust for a short period, which can help qualify contributions for the annual gift tax exclusion. In practice, trustees provide written notice to beneficiaries of a new premium gift, and beneficiaries have a window to exercise withdrawal rights. Proper use of Crummey powers requires accurate notice and documentation so that gift tax benefits are preserved and funding of the ILIT remains consistent with the grantor’s intent and tax considerations.
Choosing an ILIT alongside or instead of other estate planning tools depends on objectives like tax planning, asset protection, and ease of administration. A revocable living trust offers flexibility during the grantor’s lifetime but does not remove the policy proceeds from the taxable estate if the grantor retains ownership. A pour-over will can coordinate assets into a trust at death, but life insurance owned outright may still be subject to estate inclusion. We help clients weigh tradeoffs to decide whether an ILIT fits with their overall plan and financial circumstances.
For families with modest life insurance proceeds and straightforward beneficiary designations, a limited approach such as designating beneficiaries directly or using a revocable trust may meet planning goals without creating an ILIT. If the likely estate tax exposure is low and the primary objective is to ensure funds pass to loved ones without complex administration, simpler arrangements can reduce drafting complexity and ongoing trustee duties. However, clarity in beneficiary designations and coordination with other plan documents remain important to avoid unintended consequences at the time of a claim.
If maintaining control and flexibility over policy ownership during life is a priority, retaining ownership within a revocable living trust or holding the policy personally may be preferable to creating an irrevocable trust. A revocable trust allows for amendment or revocation to adapt to changing circumstances. Clients who anticipate future changes to beneficiaries, financial plans, or property ownership may prefer the adaptability of revocable arrangements, accepting that those policies may be included in an estate for tax purposes unless alternative steps are taken.
A comprehensive approach that integrates an ILIT with a revocable trust, pour-over will, and appropriate powers of attorney helps ensure that life insurance proceeds are used according to long-term objectives while minimizing probate and potential estate tax exposure. Coordination among these documents can provide clarity for trustees and beneficiaries, prevent overlap or conflict between beneficiary designations, and create a roadmap for paying estate liabilities or supporting heirs through structured distributions. For families with multiple assets and long-term needs, integrated planning reduces the risk of unintended outcomes.
Comprehensive planning considers how trust distributions will impact beneficiaries over time and gives trustees clear authority and guidelines to manage funds prudently. This approach can address potential creditor claims, beneficiary incapacity, or family dynamics that require careful handling of insurance proceeds. By specifying distribution terms, successor trustees, and administrative protocols, clients can help ensure continuity of financial support and minimize disputes. Properly drafted provisions also facilitate timely payment of debts and taxes where appropriate, supporting smoother administration for trustees.
When an ILIT is incorporated into a comprehensive estate plan, the arrangement can protect life insurance proceeds from estate inclusion, provide liquidity to pay taxes or debts, and allow for controlled distribution to beneficiaries. Coordination with other documents ensures that asset ownership, beneficiary designations, and trust terms work together to achieve desired outcomes. This comprehensive view also helps anticipate future changes in tax law, family circumstances, or financial position, allowing for contingency provisions that maintain the integrity of the overall plan.
A full planning approach also reduces confusion for beneficiaries and fiduciaries by establishing clear instructions for trustees and successor decision-makers. This clarity can reduce the likelihood of disputes and expedite distribution of funds when appropriate. In addition, integrating an ILIT with powers of attorney and healthcare directives ensures that both financial and personal affairs are addressed in a coordinated way, supporting continuity of care and management in the event the grantor becomes incapacitated before death.
One significant benefit of integrating an ILIT is the potential to remove life insurance proceeds from the taxable estate, which can provide liquidity to cover estate taxes or other obligations without forcing the sale of family assets. Proper funding and administration of the ILIT help ensure that proceeds are available when needed and distributed according to the grantor’s instructions. This planning can provide peace of mind for those who want to protect family property while ensuring heirs have access to funds needed for settling the estate or maintaining lifestyle needs post-death.
An ILIT provides a mechanism for limiting or staging distributions to beneficiaries, which can help protect inheritances from creditors, divorce settlements, or poor financial decisions. Trust terms can be tailored to provide for education, healthcare, ongoing support, or management by a trustee who follows clear guidelines. This level of control helps families preserve wealth for future generations and ensures that the proceeds of a life insurance policy are used in ways that align with the grantor’s priorities and family circumstances over time.
Ensure the life insurance policy ownership and beneficiary designations are updated to match the trust plan to avoid unintended estate inclusion or conflicting directions. When transferring an existing policy to an ILIT or having the trust purchase a new policy, confirm carrier requirements and obtain documentation showing the trust as owner. Regularly review beneficiary designations across all accounts to prevent contradictions. Clear coordination reduces administrative hurdles for trustees and helps the trust operate as intended when benefits become payable.
Select trustees who are willing and able to handle ongoing administrative responsibilities, including paying premiums, maintaining records, filing necessary tax forms, and communicating with beneficiaries. Consider successor trustees and provide clear trust directions to guide administration if the initial trustee is unavailable. If desired, a corporate trustee or trusted financial professional can be named to offer continuity, but it is also important to set compensation and reporting expectations clearly in the trust document so that fiduciary duties are carried out consistently.
Consider an ILIT when you own significant life insurance policies and wish to keep proceeds outside of your taxable estate, provide structured distributions for beneficiaries, or ensure funds are available to pay estate taxes and obligations. It can be especially relevant for individuals with complex family dynamics, blended families, or concerns about creditor claims. An ILIT may also be appropriate when donors want to make use of gift tax exclusions through premium contributions to the trust while preserving the long-term benefits of the policy for designated heirs.
An ILIT may also be valuable if you want to control the timing of distributions or provide for long-term care of a loved one without exposing policy proceeds to probate or direct claims. For those who own business interests or real property that could be subject to liquidity needs after death, an ILIT can provide a separate pool of funds that heirs can access without disrupting the ownership structure of other assets. Careful planning and drafting are required to align the ILIT with broader financial and family goals.
Typical circumstances that prompt consideration of an ILIT include owning large life insurance policies, wanting to minimize estate tax exposure, seeking creditor protection for insurance proceeds, planning for blended family distributions, or arranging for ongoing support of minor or vulnerable beneficiaries. Business owners frequently use ILITs to fund succession plans or provide liquidity for estate tax obligations. These trusts can be tailored to meet a range of objectives and used in combination with other estate planning instruments to achieve a cohesive plan.
When beneficiaries are minors or have limited capacity to manage finances, an ILIT offers a mechanism to provide for their long-term needs under trustee supervision. Trust provisions can require distributions for education, healthcare, or maintenance while protecting assets from mismanagement or outside claims. By naming responsible trustees and setting clear distribution guidelines, grantors can ensure that insurance proceeds serve intended purposes over time and that vulnerable beneficiaries receive structured support rather than lump sums that could be dissipated quickly.
For individuals concerned about potential creditor claims or future divorce of beneficiaries, transferring life insurance ownership into an ILIT can add a layer of separation between proceeds and personal or marital property. Properly drafted irrevocable trusts can offer protection by placing control in the hands of trustees who distribute funds according to trust terms. While no arrangement can guarantee absolute protection under every circumstance, an ILIT is a commonly used vehicle to reduce the risk that insurance proceeds will be subject to outside claims or division through family law proceedings.
Estates that include illiquid assets such as real estate or business interests can benefit from an ILIT that holds insurance proceeds available to satisfy taxes, debts, or settlement costs without forcing the sale of productive assets. This liquidity can ease the transition for heirs and preserve the long-term value of family businesses or properties. Trust provisions can direct the use of proceeds for estate settlement expenses while protecting the remainder for beneficiaries according to the grantor’s intentions.
Law Offices of Robert P. Bergman provides dedicated estate planning guidance for Dixon and nearby communities. We help clients evaluate whether an ILIT fits their financial and family objectives, coordinate trust funding and life insurance arrangements, and prepare clear trust documents that trustees can follow. Our office assists with notification procedures, recordkeeping recommendations, and integrating the ILIT with other planning tools like revocable trusts, wills, and powers of attorney so that each element of the plan complements the others and supports the client’s goals.
Our firm provides practical guidance tailored to the needs of individuals and families in Solano County, with a focus on clear drafting and effective coordination among estate planning documents. We take time to understand each client’s objectives for life insurance proceeds, family dynamics, and financial arrangements so that trust terms reflect those priorities. Attention to funding, beneficiary alignment, and trustee responsibilities reduces the risk of administrative difficulties and supports orderly administration when the trust becomes active.
We emphasize communication with financial advisors and insurance carriers to ensure that policies are owned and funded in a manner consistent with the trust’s structure. Our approach includes practical checklists and recommended documentation to support premium gifting and trustee recordkeeping. Clients receive clear explanations of relevant rules, such as timing considerations and notice requirements, so they can make informed decisions about whether an ILIT fits within their overall estate plan.
Clients benefit from a collaborative process that considers the full range of estate planning documents, including revocable living trusts, pour-over wills, powers of attorney, healthcare directives, and any special arrangements like special needs trusts or pet trusts. This integrated perspective helps avoid contradictions across documents and provides a cohesive plan that addresses both immediate and long-term goals for families in Dixon and throughout California.
Our process begins with an initial consultation to review your life insurance policies, financial objectives, and family circumstances. We discuss whether an ILIT is appropriate, outline options for funding, and review how the trust will interact with existing estate planning documents. After agreement on plan design, we draft the trust document, coordinate policy transfers or purchases, and provide guidance on premium gifting and beneficiary notice procedures. We remain available to assist trustees with administration and to update documents if circumstances change over time.
The first step involves gathering information about existing insurance policies, beneficiaries, and other estate planning documents to determine how an ILIT fits into the overall plan. We review ownership and beneficiary designations, assess potential estate tax exposure, and discuss funding options. This stage sets the foundation for drafting trust provisions that reflect the client’s goals and addresses practical matters such as premium payment sources, notice procedures for Crummey powers, and trustee selection.
We collect details about life insurance policies, including face amounts, ownership, beneficiaries, and carrier requirements. We also review family and financial circumstances to understand the intended use of proceeds. This information helps us recommend appropriate trust terms, funding mechanisms, and any coordination needed with other estate planning documents. Thorough documentation at this stage reduces the likelihood of errors during funding and ensures that trustee duties and distribution plans are clearly defined in the trust agreement.
We evaluate potential tax implications and timing rules that might affect whether an ILIT achieves the intended goals. For example, transfers of policies within certain time frames can have tax consequences, and proper use of premium gifts and Crummey notices is important for gift tax treatment. Understanding these factors allows us to structure the trust and funding plan to minimize surprises and maintain alignment with estate planning objectives.
Once the plan is agreed, we prepare the ILIT document with clear instructions for trustees, distribution provisions, funding protocols, and language addressing potential contingencies. We review the draft with you, make any necessary adjustments, and coordinate execution of the trust document. At this stage we also prepare any ancillary documents and provide instructions for transferring policy ownership or arranging for the trust to purchase a new policy, ensuring that carrier requirements and trust terms are consistent.
We work with life insurance carriers and financial advisors to effect transfers or policy purchases on behalf of the trust, obtain required forms, and confirm acceptance by the insurer. This coordination helps avoid administrative delays and ensures that title changes are recorded properly so that the trust becomes the legal owner. Clear documentation of the transfer and confirmation from the carrier provide evidence that the trust owns the policy as intended.
After execution, we assist with initiating premium funding arrangements, preparing Crummey notices if applicable, and providing trustees with guidance on recordkeeping and reporting. We ensure that all necessary steps are taken to fund the trust in a manner consistent with the plan so that it functions correctly when the time comes. A final review confirms that beneficiary designations, carrier records, and trust terms align to avoid unintended estate inclusion or operational issues.
Following funding, trustees may face responsibilities such as paying premiums, maintaining accurate records, providing notices to beneficiaries, and managing trust distributions. We remain available to advise trustees on administrative matters, tax reporting obligations, and any necessary filings. Periodic reviews of the trust and related estate planning documents are recommended to account for life changes, updated assets, or shifts in family circumstances so the plan continues to meet intended goals.
Trustees should keep detailed records of premium payments, gifts from the grantor, notices to beneficiaries, and any distributions made from the trust. Proper recordkeeping supports compliance with trust provisions and tax requirements, and it facilitates transparent communication with beneficiaries. We provide recommended recordkeeping templates and guidance on what documents trustees should retain to support the administration of the ILIT over time.
Although an ILIT itself is irrevocable, other estate planning documents may need updates as family or financial circumstances change. Periodic reviews ensure that beneficiary designations, powers of attorney, and healthcare directives remain consistent with the overall plan. We advise clients on steps to preserve the integrity of the ILIT while updating other elements of the estate plan to reflect life events such as births, marriages, divorces, or changes in property ownership.
An Irrevocable Life Insurance Trust is a trust created to own life insurance policies so that policy proceeds are paid to the trust and distributed according to the trust terms. Because the trust, not the grantor, owns the policy, proceeds may be excluded from the grantor’s taxable estate, subject to certain timing rules. The trust appoints a trustee to manage the policy and handle proceeds, and beneficiaries receive distributions based on the instructions set out in the trust document. Establishing the trust requires clear drafting and coordination with insurers to change ownership or purchase a policy through the trust. The trust document sets out who may receive funds, under what circumstances, and how trustees should manage distributions. Trustees have fiduciary duties to act for the beneficiaries’ benefit and must keep adequate records of premium gifts, notices to beneficiaries, and any disbursements. Because the trust is irrevocable, the grantor generally relinquishes the ability to modify or revoke the document, so careful planning at the outset is important. Coordination with other estate planning documents ensures the ILIT functions as intended in the broader plan.
Funding an ILIT commonly involves making gifts to the trust to pay policy premiums. Properly documented gifts may qualify for the annual gift tax exclusion if beneficiaries have a present withdrawal right under Crummey procedures and notices are provided. Gifts in excess of exclusion amounts may require filing a gift tax return and using lifetime exclusion amounts. The ILIT itself is designed so that the policy proceeds are not included in the grantor’s estate, but timing rules and transfer situations must be considered to avoid unintended inclusion. Tax considerations also include the so-called three-year rule, which can cause proceeds to be included in the estate if certain transfers occur within a specified period before death. Because rules can be complex and change over time, meticulous documentation of funding, notices, and carrier records is essential. Regular review with tax or financial advisors can help preserve intended tax outcomes while adapting to changes in law or family circumstances.
Existing life insurance policies may be transferred into an ILIT, but the transfer process requires careful handling to ensure carrier acceptance and compliance with tax timing rules. When transferring ownership, the insurer will typically ask for trust documentation and may require signatures or forms to record the trust as the owner. Policy transfers may trigger gift tax considerations depending on who is designated as beneficiary and how premiums are funded after the transfer. In some cases, it is preferable for the trust to purchase a new policy rather than transferring an existing one, particularly if carrier consent or policy terms complicate a transfer. The decision to transfer or replace a policy depends on the policy’s features, health underwriting, cost, and client objectives. We review these factors with clients and coordinate with insurers to ensure ownership changes are completed correctly and documented thoroughly.
A trustee should be someone or an institution capable of carrying out fiduciary duties, including managing premium payments, keeping accurate records, and making distributions according to the trust terms. Trustees must act impartially among beneficiaries, preserve trust assets, and communicate clearly about administrative matters. Many clients name a trusted family member, friend, or professional trustee, and also provide for successor trustees in case the initial trustee is unable to serve. Trustees need practical support and guidance, especially during transitions when insurance proceeds are paid. Clear instructions in the trust document about powers, compensation, and reporting expectations help trustees fulfill their roles effectively. We provide template notices, recordkeeping recommendations, and administrative checklists to assist trustees so they can manage the trust responsibly and minimize disputes among beneficiaries.
Crummey powers grant beneficiaries a temporary right to withdraw gifts made to the trust, which can qualify those contributions for the annual gift tax exclusion. Typically, trustees send written notices to beneficiaries informing them of the gift and the limited window during which they may exercise the withdrawal right. Proper implementation and documentation of notices are important because failure to follow the procedure can jeopardize the exclusion and change the tax treatment of contributions. Crummey provisions are a commonly used technique when premium payments are made by the grantor to the ILIT on behalf of beneficiaries. Trustees must keep records of notices, response forms if any withdrawals are exercised, and confirmations that withdrawal windows were properly observed. Good recordkeeping helps preserve the tax benefits intended by the grantor and provides evidence in case of review by taxing authorities.
An ILIT complements a revocable living trust and a pour-over will by focusing specifically on life insurance ownership and distribution. A revocable trust handles assets during the grantor’s lifetime and often receives assets at death via a pour-over will, while the ILIT holds insurance proceeds outside the probate and sometimes outside the taxable estate. Ensuring beneficiary designations and ownership records align across these documents prevents conflicts and ensures that each piece of the estate plan carries out its intended role. Coordination involves reviewing beneficiary designations, titling of assets, and the interaction of trust provisions so that the flow of assets at death is clear to trustees and heirs. We help clients synchronize documents and provide instructions for trustees to act consistently with the overall estate plan, reducing administrative delays and improving the likelihood that the grantor’s objectives are met.
If premium payments are missed after the trust owns the policy, the trustee must address the situation promptly to avoid policy lapse. Options may include catching up on missed premiums, using trust assets to pay premiums if permitted by the trust terms, or seeking alternative funding arrangements. Trustees should review the trust document to confirm payment powers and follow carrier procedures for reinstatement if a policy has lapsed. Communication with beneficiaries about funding strategies can help prevent unexpected outcomes and coordinate additional contributions if allowed. To reduce the risk of missed payments, the trust document can set out clear premium payment sources and contingency plans. Trustees should keep accurate records of payments and account balances and notify beneficiaries and advisors of any funding shortfalls. We assist trustees in evaluating options and taking appropriate steps to preserve the policy or manage transition if the policy cannot be maintained.
An ILIT can help protect proceeds from beneficiary creditors or division in divorce by placing control of the funds with a trustee and setting distribution conditions. Because beneficiaries usually receive trust distributions rather than direct ownership of the policy proceeds, there may be added protection against certain outside claims. The strength of this protection depends on trust terms, applicable state law, and the timing of transfers, so careful drafting is important to enhance protection where possible within legal constraints. While an ILIT can provide meaningful protection, no arrangement guarantees absolute immunity under every legal circumstance. Courts can sometimes reach trust assets depending on the facts and applicable law, so integrating asset protection strategies within the ILIT structure and with other planning tools helps achieve the desired level of protection. Consultation and periodic review can help ensure the trust remains aligned with legal and family developments.
Timing rules, such as the three-year rule, can affect whether policy proceeds are included in the grantor’s estate following certain transfers. If the grantor transfers ownership of a policy to a trust shortly before death, the proceeds may be brought back into the estate for tax purposes. Understanding these timing considerations is essential to designing funding plans that avoid unintended tax consequences and to deciding when transfers should occur to achieve desired outcomes without triggering inclusion rules. Because timing and tax rules can be complex and subject to change, documentation of transfers, premium gifts, and carrier communications is key. We advise clients on practical timing strategies and help prepare the necessary records so the ILIT achieves its objectives while minimizing risk from timing-related tax issues. Coordination with tax advisors can also be helpful when significant transfers or estate tax exposure are expected.
To ensure an ILIT is properly documented and funded, begin with a clear trust agreement that specifies trustee powers, distribution terms, and premium funding procedures. Coordinate with the life insurance carrier to transfer ownership or to arrange for the trust to be named owner of a new policy. Document all premium gifts and provide timely beneficiary notices when Crummey powers are used, retaining copies of notices and any responses as part of the trust records. Ongoing maintenance, such as periodic reviews of beneficiaries, confirmation of carrier records, and support for trustees, helps the trust operate as intended. We provide checklists, templates, and administrative guidance to support funding and documentation, and remain available to assist trustees during administration and with any necessary filings or recordkeeping tasks.
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