An irrevocable life insurance trust (ILIT) can play a key role in a thoughtful estate plan for many families in Sebastopol and Sonoma County. At the Law Offices of Robert P. Bergman, we focus on helping clients understand how an ILIT can remove life insurance proceeds from an estate for tax and planning purposes while providing for beneficiaries according to the grantor’s wishes. This overview explains what an ILIT is, how it works, and why some clients choose this tool as part of a broader estate plan that can include revocable living trusts, pour-over wills, and powers of attorney.
Deciding whether an ILIT is appropriate involves assessing personal goals, family circumstances, and the size and type of assets involved. An ILIT can offer control over life insurance proceeds, protect those proceeds from probate, and help with estate tax planning when combined with other trust arrangements. This brief introduction outlines the central considerations for Sonoma County residents thinking about an ILIT, including beneficiary protections, trustee selection, funding requirements, and interactions with retirement accounts and other estate planning documents often used by our clients in Sebastopol and the surrounding region.
An ILIT can provide several practical benefits for individuals seeking to preserve wealth for beneficiaries while potentially reducing estate tax exposure. By transferring a life insurance policy into an irrevocable trust, the policy proceeds may be removed from the grantor’s taxable estate, which can be significant for larger estates. This arrangement also offers privacy and can prevent life insurance proceeds from going through probate, enabling quicker distributions to beneficiaries. Additionally, an ILIT allows the grantor and trustee to set specific terms for how proceeds are managed and disbursed, which can help protect beneficiaries who may be minors or have special needs.
The Law Offices of Robert P. Bergman provides estate planning services to clients across Sebastopol and Sonoma County, with a focus on creating durable plans that reflect each client’s values and family dynamics. Our approach emphasizes clear communication, careful review of financial and family circumstances, and drafting documents such as revocable living trusts, pour-over wills, and the specific trust provisions needed to implement an ILIT. Clients appreciate the practical guidance we provide when selecting trustees, coordinating beneficiary designations, and integrating the ILIT with existing retirement accounts and other estate planning tools for a cohesive plan.
An irrevocable life insurance trust is a legal entity created to own and hold a life insurance policy for the benefit of designated beneficiaries. Once established and funded, the trust typically cannot be amended or revoked by the grantor, which is why careful planning and drafting are essential. The trust holds the insurance policy, receives premium gifts if needed, and is administered by a trustee according to the trust terms. Proper setup is important to ensure that the trust achieves the intended tax and probate benefits and that premium funding is structured in a way that avoids estate inclusion under applicable rules.
When forming an ILIT, clients must consider details such as who will serve as trustee, how premiums will be paid, and the timing for transferring ownership of an existing policy or purchasing a new policy in the name of the trust. The trust agreement will specify distribution terms for policy proceeds, any conditions on distributions, and instructions for managing the funds. Coordination with other estate planning documents is necessary so that beneficiary designations and the overall plan are aligned and the client’s wishes are carried out efficiently and privately.
An ILIT is a trust that owns a life insurance policy and is designed to be irrevocable so that the policy proceeds are not included in the grantor’s estate for estate tax purposes. The grantor transfers an existing policy into the trust or has the trust apply for and own a new policy. Premium contributions may be made to the trust by the grantor or others, often using gift tax exclusion rules. The trustee manages the policy and receives the death benefit when the insured passes away, distributing or managing those proceeds in accordance with the trust terms for the benefit of named beneficiaries.
Establishing an ILIT generally involves drafting the trust document, selecting a suitable trustee, transferring ownership of an insurance policy or arranging for a new policy to be issued to the trust, and creating a plan for paying premiums. Gift tax considerations and timing rules must be addressed, especially when transferring an existing policy, to prevent unintended estate inclusion. The trust document should include clear distribution provisions, trustee authorities, and guidelines for investing and using trust funds. Proper coordination with beneficiary designations, powers of attorney, and health directives ensures the client’s broader estate plan functions as intended.
Understanding the common terms used in ILIT planning helps clients make informed decisions. This glossary covers foundational concepts, from grantor and trustee roles to funding methods and tax concepts. Familiarity with these terms clarifies how the trust will operate, what responsibilities trustees hold, and how life insurance interacts with other estate planning tools like revocable trusts, pour-over wills, and powers of attorney. Clear definitions reduce uncertainty and help clients set practical goals for the trust’s use and the distribution of proceeds to beneficiaries.
The grantor is the person who creates the trust and transfers assets into it. In the context of an ILIT, the grantor typically is the insured or the policy owner before the transfer. Once the trust is established and funded, the grantor’s role is generally limited to the duties specified in the trust document, as irrevocable trusts cannot be changed or revoked by the grantor. Understanding the grantor’s position clarifies who initiates the trust and how the trust fits into the broader estate plan, including coordination with other documents like wills, powers of attorney, and health care directives.
The trustee is the individual or institution responsible for managing the trust assets and carrying out the trust terms. For an ILIT, the trustee is charged with administering the life insurance policy, receiving premium gifts, and managing the policy proceeds upon the insured’s death. Trustees have fiduciary duties to act in the beneficiaries’ best interests and to follow the trust instrument. Selecting a trustee who is organized, trustworthy, and capable of managing the administrative and recordkeeping responsibilities is an important decision for grantors considering an ILIT.
A beneficiary is a person or entity entitled to receive benefits from the trust under its terms. ILIT beneficiaries typically receive the life insurance proceeds according to the trust’s distribution rules. The trust may provide for outright distributions, staged distributions, or ongoing management of funds for a beneficiary’s benefit. Naming beneficiaries and specifying distribution conditions carefully allows the grantor to address needs such as education costs, support for minors, or long-term care planning, while keeping the proceeds from being subject to probate and direct estate administration.
Funding an ILIT generally means ensuring the trust has the means to pay insurance premiums when required. Funding can take the form of annual gifts from the grantor to the trust, sometimes using gift tax exclusions, or contributions from other family members. Properly structured premium funding is essential to keep the policy in force and to achieve the intended estate planning benefits. Documentation of gifts and compliance with gift tax rules should be handled carefully to avoid unintended tax consequences and to support the trust’s intended treatment for estate tax purposes.
An ILIT is one of several tools available to shape how life insurance proceeds are treated within an estate plan. Alternatives include keeping the policy in the grantor’s name with beneficiary designations, incorporating life insurance within a revocable living trust, or using other trusts tailored for beneficiary needs. Each option carries different implications for probate, control, tax treatment, and flexibility. Comparing these paths helps clients choose the structure that balances the desire for asset protection, control over distributions, liquidity at death, and potential tax benefits in light of their unique family and financial circumstances.
For many individuals with modest estates, keeping an insurance policy in a personal name and using direct beneficiary designations can provide straightforward access to proceeds without the need for trust formation. This approach can be easier to administer and less costly up front, and it can still allow proceeds to bypass probate if beneficiary designations are current and aligned with overall planning goals. Simpler arrangements may be appropriate when estate tax exposure is not a significant concern and the family dynamics do not require structured distributions or additional protections.
Clients who value the ability to change their plan over time might prefer keeping a policy outside an irrevocable trust, since revoking or amending an ILIT is generally not possible once established. If flexibility and the ability to adjust beneficiaries or ownership quickly are important, then simpler ownership and designation strategies may be appropriate. This path allows the insured to retain control of the policy and adapt the plan as circumstances evolve without the constraints of an irrevocable structure, while still coordinating with other estate planning instruments.
A comprehensive planning approach ensures that an ILIT operates in harmony with other estate documents like revocable living trusts, pour-over wills, powers of attorney, and beneficiary designations. Coordination reduces the risk of conflicting instructions, unintended estate inclusion, or administrative complications at a difficult time. It also allows for careful planning around gift tax rules and premium funding strategies that preserve the intended benefits of the ILIT. This integrated perspective helps clients in Sebastopol ensure their planning functions consistently across financial and legal platforms.
When beneficiaries require ongoing management or protection, a coordinated legal plan can define trustee powers, distribution standards, and investment guidelines that align with the grantor’s goals. Comprehensive planning allows for tailored provisions to address special circumstances such as providing for minors, helping family members with disabilities while preserving public benefits, or managing funds for education and health care. Thoughtful drafting and planning reduce ambiguity, making it easier for trustees to carry out the grantor’s intent and for beneficiaries to receive support in a manner that protects assets over time.
A comprehensive approach combines the ILIT with other planning tools to produce coordinated results that reflect a client’s broader objectives. By aligning beneficiary designations, trust provisions, and supporting documents, clients can create a cohesive plan that addresses liquidity needs at death, how and when funds will be distributed, and protections for vulnerable beneficiaries. Such coordination also helps minimize the likelihood of probate delays, clarify trustee authority, and reduce opportunities for disputes among family members, which promotes a smoother administration of the estate and greater predictability in outcomes.
When an ILIT is drafted alongside other estate planning documents, it is easier to navigate complex tax rules and funding strategies while ensuring that funds are used in line with the grantor’s wishes. A unified plan can incorporate retirement plan strategies, trust modifications, and asset assignments to achieve tax-efficient transfers, liquidity at the time of death, and durable protection for beneficiaries. This comprehensive planning promotes clarity and reduces stress for family members who will manage the estate and trust affairs after the grantor’s passing.
One of the primary advantages of including an ILIT in a comprehensive plan is preserving the full value of life insurance proceeds for beneficiaries by keeping those proceeds out of the taxable estate and away from probate administration. The trust structure can facilitate prompt access to funds when needed for estate settlement or beneficiary support. This can be particularly helpful for families who need immediate liquidity or who wish to ensure that certain expenses are covered without relying on probate timelines or personal representative actions, thereby reducing administrative burdens during an already difficult period.
An ILIT incorporated into a broader estate plan allows the grantor to set thoughtful distribution rules that fit family needs, such as staggered distributions, funds for education, or lifetime income streams. These custom strategies can protect young beneficiaries or those needing oversight while providing trustees with clear instructions on how to manage and disburse funds. Such tailored provisions ensure the grantor’s intentions are carried out consistently and provide an added layer of financial protection for beneficiaries who may require assistance managing larger sums.
Selecting a trustee who is organized, trustworthy, and prepared for administrative responsibilities is essential for the effective operation of an ILIT. The trustee will need to handle premium payments, maintain careful records of gifts and transfers, monitor the life insurance policy, and administer distributions after the insured’s death. Consider whether an individual trustee, corporate trustee, or trusted combination is appropriate based on the complexity of the trust and the anticipated needs of beneficiaries. Clarifying successor trustee arrangements in the trust document prevents confusion if the original trustee is unable to serve.
For an ILIT to work as intended, it must be coordinated with the client’s broader estate plan, including wills, revocable trusts, powers of attorney, and beneficiary designations on retirement accounts. Alignment ensures there are no conflicting instructions and that assets outside the ILIT are handled consistently. Periodic reviews are advisable after major life changes such as marriage, divorce, births, or changes in financial circumstances, to confirm that the ILIT and related documents still reflect the grantor’s intentions and that all technical and tax-related provisions remain effective.
Clients often consider an ILIT when they want to segregate life insurance proceeds from their taxable estate, provide for beneficiaries without probate, or establish controlled distribution rules for heirs. An ILIT can offer liquidity at the time of death, facilitating payment of taxes, debts, and final expenses without requiring the sale of other estate assets. For families with specific distribution goals or those seeking to protect legacy assets, the ILIT is a planning tool that provides structure and predictability while being integrated into a larger trust and estate strategy.
Additionally, an ILIT can be helpful for clients who wish to provide for minor children, relatives with special financial needs, or charitable beneficiaries under defined terms. It can also be part of a plan to protect wealth from future creditors when appropriately combined with other trust vehicles and legal safeguards. Evaluating personal goals, family dynamics, and financial circumstances will determine whether an ILIT is the right fit, and careful planning ensures the trust accomplishes the client’s intentions in a legally sound manner.
An ILIT is often considered when a client has a life insurance policy with proceeds large enough to create estate tax concerns, when they want to provide controlled distributions to beneficiaries, or when they seek privacy and efficiency in transferring life insurance benefits. It may also be appropriate for second marriages where separate family interests must be balanced, for families needing structured support for younger beneficiaries, or when a client wants to coordinate life insurance with retirement and other estate planning strategies. Each circumstance requires careful tailoring to meet specific family and financial objectives.
Clients with substantial insurance proceeds or larger estates may use an ILIT to reduce potential estate tax exposure by removing the death benefit from the taxable estate, provided transfers and timing comply with applicable rules. The decision involves evaluating current tax law, the size of the estate, and the costs and benefits of irrevocable trust planning. For some families, the tax savings and probate avoidance justify the trust structure as part of a broader estate plan that includes careful funding and documentation to support the intended tax treatment.
When beneficiaries may need oversight, protection, or structured distributions, an ILIT offers a framework to manage life insurance proceeds on their behalf. The trust can set terms that deliver funds for specific purposes such as education, housing, or medical care while preventing outright distributions that could be dissipated prematurely. This protection can be particularly useful for minors, beneficiaries with limited financial experience, or individuals whose eligibility for public benefits should be preserved, allowing the trustee to manage funds responsibly over time.
An ILIT can ensure that there are liquid funds available at the time of death to pay estate taxes, debts, and other expenses, reducing the need to sell illiquid assets like a family business or real estate. By segregating life insurance outside the taxable estate, heirs can access money quickly for immediate obligations, helping to preserve other estate assets for long-term family goals. This liquidity advantage is often a primary consideration for clients who hold significant nonliquid assets and want to avoid forced sales during estate administration.
The Law Offices of Robert P. Bergman serves individuals and families throughout Sebastopol and Sonoma County with practical estate planning services that include ILIT formation and related trust planning. We help clients evaluate whether an ILIT fits their overall plan, guide them through trustee selection and funding strategies, and draft tailored trust documents that reflect clear distribution instructions. Our goal is to provide thoughtful planning that gives clients confidence their wishes will be respected and implemented reliably, while minimizing administrative friction for those left to manage the estate and trust.
Clients come to the Law Offices of Robert P. Bergman for practical, personalized estate planning guidance that reflects the legal and financial realities of Sonoma County. We focus on creating durable plans that integrate ILITs with revocable trusts, pour-over wills, powers of attorney, and healthcare directives so that the client’s intentions are clear and manageable. Our work emphasizes clear drafting, thoughtful trustee provisions, and funding strategies designed to achieve desired tax and distribution outcomes while minimizing administrative burdens for heirs.
We assist clients through each step of the ILIT process, from initial evaluation and document drafting to coordinating transfers or new policy issuance and establishing procedures for premium funding and recordkeeping. Our role includes preparing documentation that supports the trust’s intended tax treatment and providing ongoing guidance so clients know how changes in family or financial circumstances may affect their plan. We also work with financial advisors and insurance professionals when coordination is beneficial to implement a cohesive plan.
Communication and accessibility are important elements of our client relationships. We explain legal concepts in plain language, provide clear timelines and checklists for implementing an ILIT, and help clients understand trustee responsibilities and the long-term administration of the trust. These practical supports help clients in Sebastopol make informed decisions and create estate plans that provide clarity and protection for their families when it matters most.
Our ILIT planning process begins with an initial consultation to review the client’s goals, current policies, beneficiary needs, and broader estate plan. From there we draft the trust document customized to the client’s objectives, advise on trustee selection, and coordinate the transfer or issuance of the life insurance policy in the trust’s name. We provide instructions and documentation templates for annual premium gifts and maintain clear guidance for trustees on recordkeeping and administration. Periodic reviews and updates ensure the plan continues to meet changing needs and legal developments.
The first step is a thorough review of the client’s financial profile, existing estate planning documents, and life insurance holdings. We assess whether an ILIT aligns with the client’s goals and discuss potential tax, funding, and administration considerations. This stage includes identifying beneficiaries, exploring trustee options, and determining the best funding approach for premiums. The outcome is a recommended strategy that explains how an ILIT integrates with other estate documents and the anticipated steps to implement the trust effectively.
Collecting comprehensive information about existing policies, policy ownership, beneficiary designations, and the client’s assets is critical to accurate planning. Documents are reviewed to confirm transfer rules, contestability periods, and any policy loan or assignment issues that could affect the transfer to an ILIT. We also gather personal and family information that influences distribution terms, such as dependent children, special needs family members, or charitable intentions, so the trust is tailored to the client’s circumstances and objectives.
After reviewing the policy and financial information, we design a funding plan that explains how premiums will be paid, whether through annual gifts or alternative methods, and how to document those gifts properly. This step includes advising on timing and documentation to avoid unintended tax consequences and ensuring that the trust will have the necessary resources to keep the policy in force. Clear instructions and templates help clients and trustees maintain consistent records for future administration.
Once the strategy and funding plan are agreed, we prepare the ILIT document with customized provisions for distributions, trustee powers, successor trusteeship, and administrative procedures. We coordinate execution of the trust, transfer or issuance of the policy into the trust, and prepare any ancillary documents needed to support the funding strategy and tax treatment. Execution includes clear instructions for trustees on recordkeeping, premium handling, and interaction with other estate planning documents to ensure the trust functions as intended.
The trust is drafted to reflect the grantor’s distribution goals, designate trustees and successors, and allocate trustee powers for investments, distributions, and tax-related decisions. Provisions should be clear to reduce ambiguity and disputes later. We tailor clauses to address unique family situations, such as staged distributions, education trusts, or protections for vulnerable beneficiaries, while ensuring the document supports the desired tax and probate treatment.
We work with the client and the insurance company to transfer ownership of an existing policy into the ILIT or arrange for a new policy to be issued to the trust. Documentation of the transfer and proof of premium funding is important to support the trust’s intended treatment. Clear coordination during this step helps avoid administrative complications and ensures the policy is properly recorded in the trust’s name for future administration and eventual payout to beneficiaries under trust terms.
After the ILIT is funded and the policy is owned by the trust, trustees must administer the trust according to its terms, including paying premiums, maintaining records, and preparing for distribution when the policy pays out. We provide guidance to trustees on their duties and recommend periodic reviews of the trust in light of changes in family circumstances, tax law, or financial conditions. Regular check-ins can help confirm that funding practices are maintained and that the trust continues to reflect the grantor’s goals.
Trustees should keep detailed records of all premium payments, gifts made to the trust, policy statements, and distributions. Proper recordkeeping supports the trust’s tax treatment and assists with transparent administration for beneficiaries. Trustees also have a duty to manage trust assets prudently, follow distribution instructions, and communicate with beneficiaries as required by the trust. Written procedures and templates provided at the time of trust formation make ongoing administration clearer and reduce the risk of disputes or errors.
Even though an ILIT is irrevocable, surrounding estate planning documents and the practical funding approach may need review over time to ensure alignment with current goals. Life events such as births, deaths, marriages, or significant changes in assets may prompt a review of related estate documents and beneficiary designations. We recommend scheduled reviews and offer guidance on how to coordinate any necessary adjustments to the broader estate plan, ensuring the ILIT remains an effective component of an overall strategy.
An irrevocable life insurance trust is a trust that owns a life insurance policy and is drafted so the grantor cannot revoke or alter it once properly executed. The trust holds the policy, receives premium gifts, and names beneficiaries who will receive or benefit from the policy proceeds after the insured’s death. Once ownership is transferred to the ILIT, the policy proceeds can be administered according to the terms of the trust, which can provide privacy, probate avoidance, and structured distributions to beneficiaries. Creating an ILIT involves setting up the trust document, naming trustees and beneficiaries, transferring or issuing a policy in the trust’s name, and establishing a funding strategy for premiums. Proper timing and documentation are important to ensure the trust achieves the intended tax and probate treatment. Trustees are responsible for administration, including paying premiums and managing proceeds, according to the trust terms and applicable law.
When an ILIT is properly established and the life insurance policy is owned by the trust at the time of the insured’s death, the policy proceeds are generally not included in the grantor’s taxable estate, which can reduce potential estate tax liability. This outcome depends on meeting specific rules regarding transfers and timing, which is why careful planning and documentation are necessary. The trust structure aims to remove the value of the life insurance from the grantor’s estate for estate tax purposes. If a policy is transferred into an ILIT shortly before death, or if certain transfer rules are not met, the proceeds could still be included in the estate. Properly coordinating the timing of transfers, understanding contestability and three-year lookback rules, and documenting premium gifts help support the intended tax treatment. Expert guidance on these technical aspects reduces the risk of an unintended tax result.
The trustee of an ILIT should be someone who can manage administrative tasks, maintain records, handle premium contributions, and follow the trust’s distribution directions. Many clients choose a trusted family member, a friend with financial acumen, or a professional trustee to ensure continuity and reliable administration. The trustee must be willing to serve and capable of performing fiduciary duties, including prudent investment and clear communication with beneficiaries. Selecting successor trustees and naming alternates is also important to avoid gaps in administration. The trust document should set out trustee powers and procedures to guide decision-making and reduce ambiguity. Clear drafting of trustee responsibilities and successor arrangements helps ensure the trust operates smoothly over the long term.
Premiums for an ILIT are typically paid through gifts made to the trust, often using the annual gift tax exclusion when appropriate. The grantor or other family members can make gifts to the trust, which the trustee then uses to pay policy premiums. Proper documentation of gifts and adherence to gift tax rules is important to maintain the trust’s intended tax treatment and to support premium payments in the trust records. Alternative funding approaches can include setting up bank accounts for premium payments within the trust or using other trust assets as authorized by the trust document. Whatever method is chosen, consistent funding and careful recordkeeping are essential to keep the policy in force and to demonstrate the trust was maintained properly for future administration.
Yes, an existing life insurance policy can often be transferred into an ILIT, but the transfer must be handled carefully to avoid unintended tax consequences. When transferring an existing policy, there may be timing rules and documentation requirements to ensure that the policy proceeds are not included in the grantor’s estate. These transfer considerations include understanding contestability windows and potential three-year inclusion rules that can affect estate tax treatment unless properly addressed. Transferring a policy also requires coordination with the insurance company to change ownership and beneficiary designations to the trust, and may involve evaluating policy loans or other encumbrances. Proper documentation and a clear funding plan for premiums are important to support the trust’s objectives and to minimize administrative risks for trustees and beneficiaries.
When the insured passes away and the trust owns the life insurance policy, the insurance company typically pays the death benefit directly to the ILIT. The trustee then administers the proceeds in accordance with the trust document, which may provide for outright distributions, staged payments, trusts for minors, or lifetime management for beneficiaries. This process helps avoid probate for the policy proceeds and allows the trustee to carry out the grantor’s instructions efficiently. The timing and administration of distributions depend on the trust provisions and the trustee’s duties. Trustees are responsible for maintaining records, communicating with beneficiaries, and managing funds prudently until final distributions are made. Clear terms in the trust reduce ambiguity and help the trustee fulfill obligations promptly and transparently.
An ILIT functions alongside other estate planning documents and should be coordinated with revocable living trusts, wills, and beneficiary designations to ensure consistent outcomes. While a revocable trust can provide central planning for many assets during the grantor’s lifetime, an ILIT specifically holds life insurance policies and operates under its separate terms. Coordination ensures beneficiary designations and trust provisions do not conflict and that the overall plan reflects the grantor’s intentions. Communication among all documents and regular reviews help prevent unintended overlaps or gaps in the plan. When changes occur—such as the acquisition of new assets, altered family circumstances, or changes in law—coordinated updates across all estate documents preserve the effectiveness and coherence of the plan.
There are important timing rules to consider when creating or funding an ILIT. For example, transfers of existing policies into an ILIT may be subject to a lookback period where the policy proceeds could still be included in the grantor’s estate if the insured dies within a specified timeframe after the transfer. Additionally, gift tax rules and annual exclusion limits affect how premiums are funded and documented. Understanding these timing issues is essential to avoid unintended tax or estate consequences. Planning should account for these rules, and we provide guidance on appropriate timing for transfers, premium funding, and documentation practices. Early planning and careful implementation help ensure the ILIT achieves its intended benefits without creating avoidable complications for the estate.
An ILIT can be designed to support beneficiaries who rely on public benefits by structuring distributions in a manner that preserves eligibility. The trust terms can direct funds for specific needs such as education, health care, or housing without making outright disbursements that would count as resources for public benefit programs. Careful drafting and coordination with specialized planning tools can help maintain access to essential benefits while providing additional financial support from the trust. Because rules for public benefits vary, planning requires attention to both trust language and interactions with benefit programs. Trustees must be instructed on distribution methods that preserve benefits, and careful legal drafting helps avoid inadvertently disqualifying a beneficiary. Thoughtful coordination ensures the trust provides support when needed without undermining eligibility for public assistance.
If you are considering creating an ILIT, start by gathering information about your life insurance policies, current estate documents, and your goals for beneficiaries. Schedule a consultation to review your options, discuss trustee choices, and evaluate funding strategies for premiums. Early discussions allow for effective coordination with other trust documents, beneficiary designations, and any retirement accounts that may affect your overall estate plan. Next steps include drafting a customized ILIT, coordinating policy transfers or issuance, and implementing a documented premium funding plan. After formation, plan for periodic reviews and maintain clear records for trustees and beneficiaries. A methodical approach ensures the ILIT functions as intended and integrates smoothly with your broader estate strategy.
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