An Irrevocable Life Insurance Trust (ILIT) can be a powerful component of a well-constructed estate plan for families and individuals in Suisun and throughout Solano County. At the Law Offices of Robert P. Bergman we help clients understand how an ILIT can remove life insurance proceeds from a taxable estate while providing for beneficiaries according to precise instructions. This introduction explains what an ILIT does, how it interacts with other estate planning documents like a pour-over will or living trust, and why considering this tool early can preserve value for heirs and reduce administration burdens after a death occurs.
Deciding whether an ILIT is appropriate depends on individual circumstances including asset levels, family structure, and retirement plan considerations. In California, and particularly in the Suisun area, many families choose ILITs to control distribution timing, protect proceeds from probate, and limit potential estate tax exposure. This paragraph offers a high level overview of how an ILIT works alongside powers of attorney, advance health care directives, and related trust documents, establishing a foundation for the deeper explanations that follow and helping readers know what to expect when evaluating an ILIT.
An Irrevocable Life Insurance Trust matters because it provides clear benefits in managing life insurance proceeds outside of probate, giving families in Suisun predictable outcomes when a policyholder dies. With careful drafting, an ILIT can protect proceeds from creditors, control timing of distributions to beneficiaries, and coordinate with retirement plan trusts and pour-over wills to ensure assets pass in the manner intended. This paragraph outlines the practical benefits including reduced estate administration complexity, greater privacy than probate, and potential estate tax planning advantages for California residents with significant life insurance holdings.
The Law Offices of Robert P. Bergman serves Suisun and surrounding Solano County communities with estate planning services that include revocable living trusts,pour-over wills, and irrevocable life insurance trusts. Our practice focuses on clear planning, careful document drafting, and thoughtful coordination of trust instruments like retirement plan trusts and special needs trusts. Clients receive practical guidance on how an ILIT interacts with other documents such as a general assignment of assets to trust, certification of trust, and HIPAA authorizations, and the firm provides hands-on support throughout the drafting and funding process to reduce uncertainty for families.
An Irrevocable Life Insurance Trust is a separate legal entity that holds a life insurance policy for the benefit of named beneficiaries, and because the trust is irrevocable it is designed so the grantor no longer owns the policy directly. Establishing and funding an ILIT requires precise steps such as transferring ownership of an existing policy or arranging for the trust to purchase a new policy, and it often works in combination with other estate planning instruments. This paragraph explains the practical mechanics, including trustee responsibilities, gift tax considerations, and common provisions that govern distribution timing after the insured’s death.
Creating an ILIT involves more than document preparation; it requires coordinating policy ownership, funding rules, and beneficiary designations to achieve desired estate planning outcomes. Trustees must be instructed on how to receive policy proceeds, manage trust assets, and distribute funds according to the grantor’s intentions. In California, careful attention to trust language and funding timing helps avoid unintended tax consequences or inclusion in the taxable estate. This section helps readers understand why coordination with other documents such as a revocable living trust or pour-over will is often necessary.
An Irrevocable Life Insurance Trust is defined as a trust that owns a life insurance policy on the grantor’s life and names beneficiaries who will receive the proceeds when the insured dies. Because the trust is irrevocable, the assets it holds are typically removed from the grantor’s estate for estate tax purposes when properly structured and funded. This paragraph explains how trustees handle premium payments, the role of annual exclusion gifts for funding, and how an ILIT can be used to provide liquidity for estate settlement costs while preserving the long-term financial security of beneficiaries.
Key elements of establishing an ILIT include selecting a trustee, drafting trust provisions detailing distribution rules, transferring or purchasing a life insurance policy in the trust’s name, and putting funding mechanisms in place for premiums. The process begins with determining goals, preparing the trust document, executing ownership transfers or applications, and advising trustees on governance and compliance. This paragraph covers the practical steps, such as completing beneficiary designations, documenting annual gifts used for premium payments, and coordinating with other estate planning tools like HIPAA authorizations and powers of attorney.
Understanding common terms helps demystify an ILIT and related estate planning instruments. This section defines pivotal words and phrases so clients can make informed decisions about trust structure, tax implications, and the roles of trustees and beneficiaries. Clear definitions reduce confusion when reviewing trust documents or speaking with advisors about pour-over wills, trust modification petitions, or the interaction between an ILIT and retirement plan trusts. The description here provides context for glossary entries that follow and highlights why precise language matters in estate planning documents.
An irrevocable trust is a trust in which the grantor gives up the ability to modify or revoke the trust terms after it is executed. This structure can remove assets from the grantor’s estate when properly implemented, and it is often used to hold life insurance policies, retirement plan distributions, or assets meant for long-term protection. The definition explains how irrevocable trusts operate, the implications for control and ownership, and why they are chosen for certain estate planning goals including protection from probate and tailored distribution provisions for beneficiaries.
Trust funding refers to the process of transferring assets into a trust so the trust can manage them according to its terms. For an ILIT the funding step typically means assigning a life insurance policy or arranging ongoing premium payments through gifts, and it may also include moving other assets as directed. This definition clarifies the difference between creating a trust document and funding it, and describes common funding techniques such as general assignments, premium gift strategies, and coordination with a pour-over will to ensure all intended assets eventually reside under trust control.
Trustee responsibilities encompass the duties to manage trust assets prudently, follow the trust’s distribution instructions, and act in the beneficiaries’ best interests as required by law. In the ILIT context trustees handle premium receipts, pay beneficiaries according to the trust terms, keep records, and communicate with grantors and beneficiaries about the trust administration. This definition outlines common administrative tasks such as filing required tax forms, maintaining accurate accounting, and retaining legal or financial advisors when complex decisions arise in administering life insurance trust proceeds.
A Crummey power refers to a limited right given to beneficiaries to withdraw gifts to the trust temporarily so contributions qualify for the annual gift tax exclusion. For ILITs this technique is often used to allow the grantor’s premium contributions to be treated as present interest gifts, reducing potential gift tax exposure. This definition explains how notices to beneficiaries and brief withdrawal windows can be structured responsibly to preserve annual exclusion benefits while ensuring the trust retains the funds for premium payments and long term distribution objectives.
Choosing between an ILIT and other estate planning options depends on goals such as probate avoidance, tax planning, creditor protection, and control of distributions. A revocable living trust offers flexibility and probate avoidance but does not remove assets from the taxable estate while a properly structured ILIT is designed to keep life insurance proceeds outside the estate. This comparison explains trade-offs including control and reversibility, and helps readers decide whether combining an ILIT with a pour-over will, retirement plan trust, or powers of attorney provides a balanced solution for family needs in Suisun and Solano County.
For individuals with relatively modest assets and straightforward beneficiary arrangements a limited planning approach may provide adequate protection without the complexity of an ILIT. A revocable living trust or a properly drafted pour-over will combined with appropriate beneficiary designations on life insurance and retirement accounts can accomplish probate avoidance and straightforward distribution. This paragraph describes situations where less complex planning is reasonable, highlighting that simpler arrangements reduce administration steps and ongoing reporting, and can still secure the family’s immediate planning objectives while avoiding unnecessary processes.
When planning needs are temporary or transitional, such as awaiting the resolution of a business sale or pending larger estate transfers, limited solutions may suffice until long-term decisions are appropriate. Temporary arrangements can include beneficiary updates, short-term trusts, or targeted powers of attorney to manage finances and healthcare matters. This paragraph explains scenarios where postponing an irrevocable structure makes sense, emphasizing the importance of reviewing the family’s evolving circumstances before committing to permanent, irrevocable arrangements that affect ownership and control.
Comprehensive planning is important where estates include substantial life insurance, retirement accounts, business interests, or assets that could trigger estate tax concerns. An ILIT integrated with retirement plan trusts, pour-over wills, and trust modification provisions can create a cohesive plan that addresses liquidity for taxes and administrative expenses while preserving family legacy goals. This paragraph explains why combining instruments and coordinating beneficiary designations reduces unintended tax consequences and provides continuity of management across events like retirement or the transfer of business interests.
A comprehensive strategy helps protect beneficiaries from creditors, manage distributions for minors or those with special needs, and anticipate future changes in family circumstances. Tools like special needs trusts, guardianship nominations, and irrevocable life insurance trusts can be combined to create safeguards tailored to individual family profiles. This paragraph explains how a coordinated plan anticipates life events, provides instructions for trustees, and helps maintain the grantor’s intent even when circumstances change, making long-term protection more reliable.
A comprehensive approach to ILIT planning reduces uncertainty by aligning trust documents, beneficiary designations, and related instruments so the estate plan functions smoothly after the grantor’s death. Coordinating a revocable living trust, pour-over will, and ILIT can simplify administration, avoid overlapping instructions, and provide liquidity for settling the estate. This paragraph focuses on the advantages of having a single, coherent plan that addresses tax planning, probate avoidance, and the orderly transfer of assets, giving families in Suisun a clearer roadmap for transitioning wealth to heirs.
Beyond administrative efficiency, a comprehensive plan can provide tailored protections such as spendthrift provisions, staged distributions, or provisions for beneficiaries with special needs. An ILIT can be structured to work in tandem with trusts that handle retirement plans or business succession, creating a resilient plan that adapts as family circumstances change. This paragraph highlights how advance planning helps reduce disputes, protects assets from potential claims, and preserves estate value for intended beneficiaries over the long term.
A key benefit of combining an ILIT with complementary estate documents is the control it provides over when and how beneficiaries receive proceeds. Through carefully drafted trust terms, grantors can set conditions, create trusts for minors or special needs beneficiaries, and stagger distributions to balance immediate needs with long-term preservation of assets. This paragraph explains how distribution control helps protect beneficiaries from poor financial decisions, ensures funds are used according to the grantor’s wishes, and supports family stability across generations.
Using an ILIT alongside a revocable living trust and pour-over will helps minimize what becomes part of the public probate record, preserving family privacy about distributions and asset values. Reduced probate involvement often results in faster access to resources for beneficiaries and lower administrative costs. This paragraph discusses how privacy and streamlined administration benefit families in Suisun by reducing public exposure of estate details and helping trustees distribute assets more efficiently under the trust’s terms.
Transferring a life insurance policy into an ILIT requires timely coordination to avoid unintended inclusion in the taxable estate. Beneficiaries and trustees should be notified of ownership changes, and premium funding techniques should be established in advance. This paragraph emphasizes the importance of documenting transfers, arranging for premium payments through annual gifts when appropriate, and confirming that the insurer records the trust as owner and beneficiary. Early coordination reduces administrative surprises and helps align policy terms with the trust’s distribution goals.
Regularly reviewing beneficiary designations and related trust language keeps the ILIT aligned with changing family circumstances. Life events such as marriage, divorce, births, or changes in financial status may necessitate updates to trust provisions, pour-over wills, and related designations to avoid unintended outcomes. This paragraph recommends periodic reviews of documents and coordination with retirement plan trust arrangements, ensuring that the ILIT continues to serve the grantor’s objectives and that the trustee can administer the trust without encountering conflicts or outdated instructions.
Consider an ILIT if you want to remove life insurance proceeds from your estate for tax planning purposes, provide controlled distributions to heirs, or preserve proceeds for specific long-term objectives. Individuals with substantial life insurance holdings, business interests, or retirement accounts may find an ILIT useful to maintain liquidity and protect assets from probate. This paragraph outlines common triggers for considering an ILIT including concern about estate taxes, the need to provide structured support for beneficiaries, or the desire to separate proceeds from probate administration in Solano County.
An ILIT may also be appropriate when there is a desire to protect proceeds from potential creditor claims or align life insurance benefits with a broader succession plan. Couples, business owners, and parents of beneficiaries with special needs often benefit from structured distributions and trustee oversight. This paragraph emphasizes that the decision should follow a careful review of the family’s financial picture, current legal rules, and how an ILIT will interact with instruments like a revocable living trust, guardianship nominations, or retirement plan trust provisions.
Common circumstances include having significant life insurance policies, owning business interests that require liquidity at death, needing to provide for minor children or beneficiaries with special needs, and seeking to protect proceeds from probate and public disclosure. Families concerned about estate tax exposure or creditor claims may also choose an ILIT as part of a comprehensive plan. This paragraph reviews frequent scenarios Suisun residents face and explains how an ILIT can be tailored to achieve specific goals such as staged distributions or funding for guardianship and long-term care needs.
When life insurance holdings are sizable relative to other estate assets, placing policies in an ILIT can prevent those proceeds from being included in the taxable estate when properly structured. This approach helps preserve value for beneficiaries and can provide liquidity to cover estate settlement expenses or tax liabilities without forcing the sale of other assets. This paragraph describes practical considerations for high-value insurance portfolios and the importance of timely policy transfers and clear documentation for ownership and beneficiary designations.
An ILIT can be arranged to provide protected, staged distributions to minor beneficiaries or dependents who may not be ready to manage large sums. Trustees can be given discretion to make distributions for education, health care, and support while preserving long-term capital. This paragraph explains how trust provisions can define distribution standards, appoint guardianship nominees, and coordinate with special needs or pet trusts to ensure that funds are used as intended while avoiding direct control by beneficiaries who may require oversight.
Business owners often use life insurance held in a trust to provide liquidity for succession planning, enabling buy-sell agreements to be funded without disrupting operations. An ILIT can help ensure funds are available to buy out an owner’s interest, pay estate settlement costs, or provide for surviving partners and family members. This paragraph outlines how ILITs integrate with business succession strategies and why coordination with retirement plan trusts and other corporate documentation is often necessary for smooth transitions.
The Law Offices of Robert P. Bergman provides guidance on Irrevocable Life Insurance Trusts to residents of Suisun and Solano County, helping families design plans that address their specific financial and personal goals. We assist with drafting trust documents such as irrevocable life insurance trusts, special needs trusts, and pour-over wills, and we guide clients through funding steps and trustee selection. This paragraph reassures readers they will receive careful planning and practical support to implement a plan that reflects their priorities and helps preserve assets for intended beneficiaries.
Clients choose the Law Offices of Robert P. Bergman for thoughtful estate planning that addresses both immediate needs and long-term family plans. We work closely with clients to design ILITs that coordinate with revocable living trusts, retirement plan trusts, and related documents to ensure a cohesive plan. This paragraph highlights the firm’s practical approach to drafting clear trust language, advising on premium funding mechanisms, and assisting trustees during administration to reduce stress for families facing difficult transitions.
Our approach emphasizes careful coordination between estate planning documents, beneficiary designations, and funding steps so the ILIT functions as intended when it matters most. We explain legal options in plain language and prepare documents that reflect each client’s objectives, whether the priorities are protecting heirs, preserving estate value, or providing liquidity for business succession. This paragraph describes our commitment to proactive planning, regular document review, and helping clients understand the practical implications of their chosen trust provisions.
We also assist with ancillary planning tools such as guardianship nominations, HIPAA authorizations, financial powers of attorney, and trust modification petitions when circumstances change. Our team guides clients through funding an ILIT, selecting appropriate trustees, and preparing related documents like certifications of trust and pour-over wills. This paragraph stresses that thorough planning reduces the risk of disputes, clarifies responsibilities for trustees, and helps families maintain continuity across generations in a way that aligns with the grantor’s intentions.
Our ILIT planning process begins with a detailed consultation to understand your goals, family circumstances, and existing estate documents. From there we recommend a tailored strategy, draft trust documents, and coordinate policy transfers or new policy purchases. We explain funding techniques for premiums and the role of trustees while ensuring all beneficiary designations and related instruments are aligned. This paragraph outlines the collaborative process clients can expect, including document execution, trustee guidance, and follow up to confirm the trust is funded and ready for administration when necessary.
The first step is a comprehensive review of your current estate plan, life insurance policies, retirement accounts, and family objectives to determine whether an ILIT fits your needs. We gather information about asset values, existing trust documents, and intended beneficiaries, and we discuss funding options and trustee choices. This paragraph describes the initial meeting goals, such as identifying coordination needs with pour-over wills and retirement plan trusts, and building a work plan to draft documents and manage policy transfers efficiently.
During this part of the process we review any revocable living trusts, wills, powers of attorney, and current life insurance beneficiary forms to identify conflicts or gaps. Confirming beneficiary designations and ownership status of policies is essential to ensure that placing a policy into an ILIT will achieve the intended estate planning outcomes. This paragraph details why document review matters and how aligning instruments prevents unintended inclusion of policy proceeds in the taxable estate or probate process.
Planning for premium funding and selecting a trustee are critical decisions that shape how the ILIT will operate. We discuss funding options such as annual gifts structured to qualify for exclusions and the practical responsibilities a trustee must accept. This paragraph explains how trustee guidance, records management, and notice procedures can be documented in the trust to facilitate administration and reduce ambiguity, making it easier for trustees to fulfill their duties when the policy pays out.
After deciding on the ILIT structure and trustee, we prepare the trust document and related instruments such as certification of trust and any necessary powers of attorney. We also prepare assignments or applications to transfer policy ownership, and we help coordinate with insurers to confirm trust ownership and beneficiary designations. This paragraph walks through document execution, witness or notarization requirements where applicable, and how to ensure all paperwork is consistent so the trust is valid and administrable under California law.
Drafting trust terms includes specifying how proceeds will be distributed, naming successor trustees, and including provisions to address emergencies or changes in family circumstances. Clear distribution standards avoid disputes and provide trustees with the authority needed to act. This paragraph explains how distribution language can address needs like education, healthcare, and long-term support, and how staging distributions or including spendthrift clauses can protect proceeds from beneficiary creditors or poor financial decisions.
Once the trust is signed, executing transfer documents to change policy ownership is essential to give the ILIT legal control of the policy. We coordinate with insurance companies to record the trust as owner and to confirm beneficiary designations, while also advising on how to document annual gifts used to pay premiums. This paragraph covers practical follow up steps such as sending notices to beneficiaries when necessary, updating trust records, and confirming the insurer’s acceptance of the trust ownership.
The final stage includes completing funding steps, confirming premium payment arrangements, and providing trustees with resources to administer the trust effectively. We recommend periodic reviews to update the ILIT in light of life changes, tax law developments, or shifts in family circumstances. This paragraph emphasizes continued attention to funding documentation, compliance with notice requirements for gift exclusion strategies, and offering trustee guidance to support efficient administration and preserve the grantor’s intentions.
Confirming how premiums will be paid and maintaining accurate records of gifts and payments are important to preserve the intended tax and planning benefits of an ILIT. Trustees should keep documentation showing gift transfers and any notices provided to beneficiaries for Crummey windows. This paragraph underscores the need for precise recordkeeping, how it supports the trust’s administration, and why periodic reconciliation between insurer statements and trust records helps avoid future disputes or misunderstandings.
Providing trustees with written instructions and access to advisors reduces the risk of administration errors and supports informed decision-making. Regular reviews ensure the ILIT continues to meet family objectives and adapts to changes such as new assets, updated beneficiary needs, or changes in law. This paragraph explains how periodic check-ins, document updates, and trustee training contribute to a durable plan that functions properly when it is needed most.
An Irrevocable Life Insurance Trust (ILIT) is a trust that owns a life insurance policy on the grantor’s life and receives the death benefit for the benefit of named beneficiaries. The grantor transfers ownership of the policy to the trust or has the trust purchase a new policy, and the trust document directs how proceeds will be held and distributed after the insured’s death. Trustees manage the policy and any trust assets according to written instructions, including paying premiums when funding is provided by the grantor. Setting up an ILIT requires careful coordination of ownership transfers, beneficiary designations at the insurer, and trust provisions that define distribution rules and trustee authority. The trust aims to keep policy proceeds outside the taxable estate when properly structured and funded, and trustees must follow notice and recordkeeping practices to preserve intended tax treatment and administration clarity.
Funding an ILIT commonly involves making annual gifts to the trust sufficient to cover premium payments, often using annual gift tax exclusion strategies to avoid gift tax exposure. Beneficiaries may be given limited withdrawal rights for a short window to qualify those gifts as present interest transfers under applicable rules, and trustees use contributed funds to pay premiums. For new policies, the trust can be the owner and pay premiums directly once funded. Careful documentation of gifts and premium payments is essential to preserve tax outcomes and maintain clear records for trustees and beneficiaries. Coordination with insurance companies ensures the trust is properly recorded as the policy owner and beneficiary, and ongoing review helps adjust funding arrangements as premiums or family circumstances change.
Placing a life insurance policy in an ILIT can remove the death benefit from the grantor’s taxable estate if certain conditions are met, including that the grantor does not retain incidents of ownership and that the transfer is completed outside the lookback period where applicable. The trust must be properly drafted and funded so that the policy is owned and controlled by the ILIT and not by the grantor, which helps achieve the intended estate planning benefit. Timing and ownership details matter significantly for tax treatment, so accurate execution and documentation are required. Working through funding mechanisms, beneficiary designation changes at the insurer, and trust language reduces the risk of unintended estate inclusion and helps ensure the ILIT performs as part of a broader estate plan.
The trustee of an ILIT should be someone or an institution capable of managing trust responsibilities, including receiving policy proceeds, paying beneficiaries in accordance with trust terms, and maintaining records. Trustees must act in accordance with the trust document and applicable law, handling administrative tasks such as tax filings, investment of trust assets if any, and communication with beneficiaries. Selecting a trustee who understands fiduciary duties and is willing to carry out the practical obligations is important for smooth administration. Trustees often work with legal and financial advisors when complex decisions arise, and successor trustees should be named to provide continuity. The trustee’s role is administrative and fiduciary in nature, and clear instructions within the trust reduce ambiguity about how funds should be used and distributed among beneficiaries.
Because an ILIT is irrevocable, changing it after creation is generally limited compared to revocable trusts, but certain amendments or court-approved modifications may be possible under narrow circumstances. Trust modification petitions or trust decanting may be available when beneficiaries and laws permit, but these options should be approached carefully because they can affect tax treatment and the grantor’s original intent. This answer explains that while flexibility is constrained, there are paths to address changed circumstances when required. Regularly reviewing estate plans and discussing potential adjustments before finalizing irrevocable steps is the preferred approach. In some cases, coordinated planning with other instruments, or creating separate supplemental trusts, can achieve updated outcomes without reopening irrevocable provisions, and professional guidance helps identify appropriate and lawful approaches.
An ILIT complements a revocable living trust or pour-over will by handling life insurance proceeds separately while other assets remain managed under a revocable trust during the grantor’s lifetime. The ILIT provides a vehicle to receive and distribute insurance proceeds outside of probate, while the revocable trust governs other assets and can receive assets via pour-over will at death. Coordination ensures beneficiary designations, trustee instructions, and distribution timing are consistent across all documents to avoid conflicting directions. Reviewing and aligning these instruments reduces administrative friction and unintended results. For example, beneficiary designations on retirement accounts should be coordinated with trust arrangements, and any pour-over will language should be consistent with the broader estate plan to ensure a cohesive transfer of assets upon death.
Common mistakes include failing to transfer ownership properly with the insurer, neglecting to fund the trust with premium contributions, not giving trustees clear guidance, and overlooking the impact of beneficiary designations or retirement account interactions. These oversights can result in the policy being included in the estate or in confusion at the time of administration. This answer explains that careful execution and follow through are essential to achieving the purpose of an ILIT. Another frequent error is failing to coordinate timing and documentation when transferring a policy, which may trigger lookback issues or tax exposure. Maintaining accurate records, sending required notices when gifts are made, and confirming insurer recognition of trust ownership help prevent these pitfalls and ensure that the trust operates as intended.
Placing a policy in an ILIT can affect access to cash value or loans depending on the terms and whether the policy is surrendered or owned by the trust. If the trust holds a policy with cash value, trustees must follow the trust’s terms regarding surrender, loans, or investment of cash value. This answer explains that the practical ability to access cash value will depend on the trust provisions and whether the grantor retained any rights that could affect ownership. Careful planning before transferring a policy is important if the grantor needs to access policy values during life. Alternatives such as keeping a policy outside the trust or arranging other liquidity solutions can be considered to balance access needs with estate planning goals, and discussing options with advisors helps determine the right path.
Crummey withdrawal rights give beneficiaries a limited, temporary ability to withdraw gifts made to the trust so those gifts qualify for the annual gift tax exclusion. For ILITs this technique is often used to allow premium funding contributions to be treated as present interest gifts, reducing potential gift tax consequences. This answer explains how notices to beneficiaries and brief withdrawal windows are structured to satisfy tax rules while typically resulting in no actual withdrawal since beneficiaries generally leave the funds for the trust to use for premium payments. Properly documenting notices and maintaining records of the withdrawal windows is essential to support the annual exclusion if ever audited. Trustees should send timely notices, track responses, and keep clear evidence that the procedure was followed so funding contributions remain protected from gift tax issues.
The time to set up an ILIT varies depending on complexity, whether an existing policy is being transferred, and the responsiveness of insurers and trustees. Drafting and executing trust documents can often be completed in a few weeks, but transferring ownership and confirming insurer recognition can add time. This answer explains that planning the timeline in advance helps coordinate premium funding and avoid last-minute issues, and that we assist clients in managing the process to expedite completion. Ongoing funding and trustee preparation are part of the final steps, and confirming that premium payments are arranged and that records are maintained marks the conclusion of the setup process. Regular follow up and periodic reviews ensure the ILIT remains properly funded and aligned with broader estate planning objectives.
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