An Irrevocable Life Insurance Trust (ILIT) can be a powerful component of a thoughtful estate plan for families in Bret Harte and the surrounding Stanislaus County communities. At the Law Offices of Robert P. Bergman, we work with individuals to explain how an ILIT operates, how it can remove life insurance proceeds from a taxable estate, and how it can provide controlled liquidity for beneficiaries. This introduction outlines the key reasons property owners, parents, and retirees often include an ILIT in their plans, and helps readers begin to compare this option with other estate planning tools available in California.
Choosing whether an ILIT fits your estate plan involves looking at your life insurance policies, family dynamics, and long-term financial goals. An ILIT can ensure policy proceeds are managed according to your wishes and distributed without passing through probate. For residents of Bret Harte and nearby areas, the Law Offices of Robert P. Bergman offers clear guidance on how an ILIT works with other documents such as revocable living trusts, pour-over wills, and powers of attorney. This paragraph prepares you for practical considerations including funding, naming trustees and beneficiaries, and timing transfers to the trust.
An ILIT provides several benefits that make it an important option for many clients. By removing the life insurance policy from your taxable estate, an ILIT can reduce estate tax exposure and preserve more assets for beneficiaries. It also allows you to set conditions on distributions, protect proceeds from creditors, and provide for minors or family members with special needs. In addition, an ILIT can be used to manage liquidity for estate settlement expenses and equalize inheritances among beneficiaries. Understanding these benefits helps you decide whether creating an ILIT fits your broader planning objectives.
The Law Offices of Robert P. Bergman serves clients across San Jose and the broader California region, including Bret Harte and Stanislaus County. The firm focuses on estate planning documents such as revocable living trusts, wills, powers of attorney, and specialized trusts like ILITs. Clients appreciate a practical, client-centered approach that emphasizes careful planning, clear communication, and documentation tailored to family and financial circumstances. We help clients weigh tax considerations, funding strategies, and trustee duties to create plans that work reliably and reduce the risk of future disputes or administrative burdens for loved ones.
An ILIT is a trust created to own life insurance policies and manage the proceeds for beneficiaries according to the grantor’s instructions. Once a policy is transferred or purchased in the name of the trust, the proceeds generally are not included in the grantor’s taxable estate, subject to timing rules and transfer considerations. Common reasons to use an ILIT include reducing estate tax exposure, providing liquidity, and imposing distribution controls. The trust document specifies trustee powers, beneficiary rights, and any instructions for payout timing, making it important to align the trust terms with broader estate planning goals.
Setting up and funding an ILIT involves several practical steps, including drafting trust documents, transferring an existing policy into the trust or arranging for the trust to purchase a new policy, and addressing gift tax implications when premiums are paid on behalf of the trust. Trustees must manage premiums, maintain records, and handle distributions when proceeds are paid. Families should consider timing to avoid estate inclusion under lookback rules and ensure any necessary beneficiary designations and policy assignments are consistent with the trust structure and their overall estate plan.
An Irrevocable Life Insurance Trust is a legal arrangement where the grantor transfers ownership of a life insurance policy into a trust that cannot be changed by the grantor after creation. The trust document names trustees who manage the policy and beneficiaries who will receive the proceeds. Because the grantor gives up ownership, the death benefit may avoid inclusion in the grantor’s estate for tax purposes, provided transfers respect timing rules. Typical provisions cover premium payments, beneficiary distribution timing, and trustee authority to invest or distribute funds for expenses like taxes or debts.
Creating an ILIT requires careful drafting and follow-through. Key elements include a clear trust agreement, designation of a trustee and successor trustees, identification of beneficiaries, and provisions for handling premium payments and distributions. The process often includes transferring an existing policy by assignment, gifting funds to the trust for premium payments, and documenting any powers such as limited withdrawal rights for beneficiaries. Practical follow-up includes maintaining records of premium gifts, monitoring premium payment schedules, and coordinating the ILIT with other estate planning documents to ensure consistency and avoid unintended consequences.
This section explains common terms you’ll encounter when planning an ILIT. Understanding these terms helps you communicate clearly with counsel and trustees, and makes it easier to assess how the trust will function in practice. Terms include grantor, trustee, beneficiary, assignment, premium gifting, and lookback periods. Each concept relates to who controls the policy, how premiums are funded, and when the proceeds will avoid inclusion in the taxable estate. Clear definitions reduce confusion during setup and administration and help ensure your intentions are reflected in the trust documents.
The grantor is the person who creates the trust and typically transfers ownership of a life insurance policy into it. By placing the policy in an irrevocable trust, the grantor gives up certain ownership rights so the proceeds can be managed according to the trust terms. Although the grantor may no longer control the policy directly, the trust can direct how proceeds are distributed and used. Choosing the right grantor actions and observing timing rules when transferring a policy are important to achieve the intended estate tax and asset protection results.
The trustee is the individual or institution responsible for administering the ILIT, paying premiums when funds are available, managing trust assets, and distributing proceeds according to the trust terms. Trustees have fiduciary duties to act in the beneficiaries’ best interests and must keep accurate records of gifts and payments. Selecting a trustee who understands the responsibilities and who can coordinate with financial institutions and insurance carriers helps ensure smooth administration. The trust should name successor trustees in the event the initial trustee cannot serve.
Beneficiaries are the persons or entities designated to receive trust distributions when the life insurance proceeds are paid. The ILIT can name primary and contingent beneficiaries and include instructions for how and when distributions are made, such as lump sums, staggered payments, or payments for specific needs like education or medical care. The trust terms can also address protections for beneficiaries against creditors, divorce, or poor financial decisions, while balancing flexibility to meet changing family circumstances.
Premium gifting refers to the act of gifting funds to the ILIT to cover insurance premiums. When making these gifts, many trusts include temporary withdrawal rights for beneficiaries known as limited notice powers. In addition, federal rules include a lookback or retention period that can cause a transferred policy to remain subject to estate inclusion if the grantor dies within a specified timeframe after transfer. Careful timing and documentation of gifts help ensure that premium transfers achieve their intended tax and planning goals.
An ILIT is one of several tools available to manage life insurance and estate taxes. A revocable living trust provides flexibility and broader control during life, but it does not remove assets from the taxable estate. Designating beneficiaries on a policy is simple, but it offers less control over how proceeds are used and does not protect against creditors. An ILIT strikes a balance by creating control and potential tax advantages, with tradeoffs in permanence and administrative responsibility. Evaluating these options helps you choose the arrangement that best aligns with family needs and long-term planning objectives.
When life insurance proceeds are modest and family circumstances are straightforward, simpler arrangements may suffice. For example, naming a spouse or child directly as beneficiary on a policy can be appropriate when there is mutual trust and no significant creditor or estate tax concern. A minimal approach reduces administrative burdens and avoids creating irrevocable arrangements that may complicate future changes. Discussing your insurance and estate goals with counsel will clarify whether a simple beneficiary designation meets your needs or whether an ILIT would offer benefits that justify the additional steps.
If your estate already has sufficient liquid assets to cover taxes and debts and your overall net worth is below potential estate tax thresholds, a limited approach to life insurance planning might be adequate. In such cases, policy proceeds can be quickly distributed to beneficiaries without creating an ILIT. Families should still consider protections against creditor claims and the administrative simplicity of different arrangements. A candid review of assets, liabilities, and family needs will determine whether leaving policies outside a trust is a practical choice.
When estates are larger, family circumstances are complex, or there are concerns about estate taxes, a comprehensive approach that includes an ILIT alongside other estate planning documents is often beneficial. A coordinated plan can handle insurance ownership, trust funding, advance directives, and succession of assets in a way that reduces tax exposure and administrative friction. This approach helps ensure that life insurance proceeds serve their intended purpose—whether supporting a surviving spouse, providing for children, or funding estate settlement expenses—while aligning with broader legacy goals.
A comprehensive plan also addresses non-tax goals, such as protecting proceeds from creditors or preserving benefits for a beneficiary with special needs, and establishing trustee discretion for future uncertainty. Putting an ILIT in place alongside trust provisions for retirement plan assets, guardianship nominations, and medical directives provides a unified strategy that anticipates common post-death challenges. This coordination reduces the likelihood of disputes, helps trustees administer assets more effectively, and supports a smoother transition for family members during a stressful time.
Integrating an ILIT into a full estate plan provides both fiscal and practical benefits. From a tax perspective, transferring insurance ownership to an ILIT can help keep proceeds out of the grantor’s estate, preserving more wealth for heirs. From an administrative standpoint, naming trustees and setting distribution rules in advance reduces family conflict and clarifies responsibilities. Combining an ILIT with other documents such as a pour-over will, health care directive, and powers of attorney ensures continuity of decision-making and helps preserve your intent across different asset types and life events.
A comprehensive plan also supports orderly management of estate settlement needs, such as paying debts, taxes, and expenses without forcing beneficiaries to liquidate assets. It enables tailored protections for beneficiaries, such as limitations on distributions, spendthrift provisions, and mechanisms to support minors or those with special needs. With a coordinated approach, you can align policy ownership, beneficiary designations, and trust provisions to reduce surprises and make transitions more predictable for loved ones when the time comes.
One of the primary practical benefits of using an ILIT as part of a comprehensive plan is its ability to provide liquid funds to pay estate taxes and other settlement costs without forcing the sale of assets. Because proceeds held in an ILIT can be structured to avoid inclusion in the estate, beneficiaries may receive more value. This liquidity helps executors and trustees meet obligations promptly, preserve long-term investments, and avoid rushed decisions during probate. Having reliable liquidity safeguards long-term family wealth and eases administrative burdens at a difficult time.
An ILIT allows the grantor to impose conditions on distributions, protect proceeds from creditors, and provide structured payments over time. These protections can be especially valuable for beneficiaries who are young, have special needs, or face financial vulnerability. Trust provisions can limit access to funds for specific purposes such as education or healthcare, or set up staggered distributions to encourage responsible financial management. These features help preserve assets for future generations while giving trustees the authority to make prudent financial decisions on behalf of beneficiaries.
When funding an ILIT, plan how premiums will be gifted to the trust to maintain clear records of transfers and any temporary withdrawal rights for beneficiaries. Proper documentation is important for tax purposes and to show the intent behind each transfer. Consistent premium payments help the trust remain in good standing and avoid lapses in coverage. Working through the gifting strategy in advance reduces surprises and keeps the insurance policy properly funded so it will provide the intended benefit when needed.
An ILIT should not stand alone; it works best when coordinated with your revocable living trust, pour-over will, powers of attorney, and medical directives. Confirm beneficiary designations on retirement accounts and policies align with trust goals, and review your plan periodically as family circumstances or laws change. Coordination reduces conflicts and ensures that life insurance proceeds support the overarching estate plan. Regular reviews help you adapt to changes like marriage, the birth of children, or significant financial events that could affect your planning choices.
Consider an ILIT when you want to ensure life insurance proceeds are available to cover estate taxes or settlement costs without being included in your taxable estate. Individuals with sizable policies, illiquid assets such as business interests or real estate, or beneficiaries who may need protection from creditors often benefit from trust-based ownership. An ILIT also supports specific distribution plans and helps provide for dependents in a structured way. Reviewing net worth, insurance ownership, and family needs will clarify whether moving a policy into an ILIT is an appropriate step.
You may also consider an ILIT if you need to protect proceeds for a beneficiary with special needs, to provide trust-based support for minors, or to ensure funds are used for particular purposes like education. An ILIT can prevent beneficiaries from receiving a lump sum that could be vulnerable to creditors or rapid dissipation. Additionally, when combined with other estate planning tools such as retirement plan trusts or pour-over wills, an ILIT helps create a coherent legacy plan that addresses tax, creditor, and distribution concerns in an organized fashion.
Typical circumstances include owning a large life insurance policy, having substantial estate tax exposure, possessing illiquid assets that cannot be sold easily, or needing to secure liquidity for estate settlement. Other common triggers include the desire to protect beneficiaries from creditors, to preserve eligibility for needs-based government benefits, or to provide structured distributions to young heirs. Each family’s situation is different, so a tailored review helps determine if an ILIT aligns with goals and whether other trust forms or beneficiary designations would be preferable.
When life insurance proceeds are relatively large compared to other estate assets, placing the policy in an ILIT can reduce the risk that the proceeds will increase estate tax liabilities. Creating the trust and arranging ownership transfers or purchases through the trust helps separate the death benefit from the grantor’s taxable estate, provided timing and transfer rules are followed. This approach is often used to preserve wealth for beneficiaries while managing estate tax exposure and providing immediate funds to handle settlement costs at the time of death.
An ILIT is often chosen when estates include assets that are not easily convertible into cash, like family businesses or real property, but immediate liquidity will be needed to pay taxes, debts, or administration costs. By ensuring life insurance proceeds are available through the trust, families avoid forced sales and can provide for heirs while preserving long-term holdings. This planning is particularly helpful when beneficiaries should continue to own illiquid assets intact for legacy or business continuity reasons.
When beneficiaries face creditor exposure, divorce risk, or health or developmental needs, an ILIT can offer protections through controlled distributions and spendthrift provisions. Trust terms can limit access to principal, specify permitted uses, and designate trustees to manage funds responsibly. This structure protects proceeds from claims and provides tailored support for long-term beneficiary welfare. Families often pair an ILIT with special needs planning or retirement plan trusts to ensure assets are preserved for intended purposes while minimizing unintended consequences.
The Law Offices of Robert P. Bergman is available to assist Bret Harte residents with ILITs and related estate planning documents. We provide guidance on how an ILIT interacts with revocable living trusts, pour-over wills, powers of attorney, and healthcare directives. Our goal is to help families assemble a coherent plan that reflects their goals and provides for trustees to administer assets effectively. If you need to review life insurance ownership, coordinate beneficiary designations, or evaluate funding strategies, informed planning can reduce uncertainty and set clear expectations for your loved ones.
Clients choose our firm for straightforward, client-focused estate planning and careful attention to documentation. We aim to explain complex concepts in plain language and to prepare durable trust documents tailored to each family’s goals. Whether you are considering funding an ILIT, updating beneficiary designations, or integrating trust provisions for retirement plan assets, our approach emphasizes clarity and practical administration. We work to minimize administrative friction and to provide trustees with the guidance they need to manage proceeds responsibly on behalf of beneficiaries.
Our office supports clients through each stage of the process, from initial planning and drafting to coordinating with insurance carriers and financial institutions for transfers and premium payments. We help clients understand timing issues, tax considerations, and the interaction between trust terms and other estate documents. Transparent communication and attention to recordkeeping are part of our standard practice to ensure the ILIT functions as intended when it is needed most by your family.
We also offer periodic reviews to ensure your ILIT and broader estate plan reflect changes in family circumstances, asset values, or laws. Regular reviews help maintain alignment between your goals and the trust provisions, and they provide opportunities to adjust trustee nominations, funding strategies, or beneficiary arrangements as needed. Our focus is practical results, helping families create plans that are durable, understandable, and able to guide trustees during administration.
Our process begins with an initial consultation to review your goals, assets, and insurance arrangements. We assess whether an ILIT is appropriate given your estate size, family needs, and timing considerations. After discussing options, we draft trust documents, coordinate transfers or purchases of policies, and outline a premium gifting plan if needed. We also prepare clear administrative guidance for trustees and provide copies of relevant documents for beneficiaries. This systematic approach helps ensure the ILIT integrates smoothly into your overall estate plan.
The first step focuses on defining objectives and drafting the trust document to reflect those objectives. We evaluate your insurance policies, discuss who should serve as trustee, and draft provisions describing premium payments, distribution rules, and trustee powers. The goal is to create a trust that aligns with your intentions while meeting legal requirements for an effective transfer of policy ownership. Clear drafting at this stage reduces ambiguity and helps trustees administer the trust consistent with your wishes.
We discuss family dynamics, intended beneficiaries, and the purposes for which proceeds should be used, such as education, healthcare, or support for a surviving spouse. This conversation helps shape distribution guidelines and any protective language needed to preserve assets from creditors or ensure continued eligibility for public benefits. Every family has different priorities, and the trust terms should reflect those priorities so trustees have clear direction when administering proceeds.
Drafting includes naming trustees and successor trustees, establishing distribution rules, and setting out premium funding mechanics. We create language that provides practical authority for trustees to manage funds, pay premiums, and make distributions in line with your objectives. Naming successor trustees and addressing potential conflicts or incapacity scenarios prevents delays later. Well-drafted terms balance flexibility for future needs with clear guidance to avoid misinterpretation during administration.
After the trust is signed, the next step is funding and transferring policies or arranging for the trust to purchase new policies. Transfers must be documented carefully to comply with insurance carrier rules and to observe any tax-related timing requirements. If premiums will be gifted to the trust, we document those transfers and advise on any temporary withdrawal powers or notices to beneficiaries. Proper funding helps ensure the policy remains in force and achieves the desired estate planning outcomes.
If an existing policy is transferred to the trust, we coordinate with the insurer to complete assignments and beneficiary changes. When a new policy is purchased, we structure ownership in the trust and establish premium payment plans. Each route requires paperwork and confirmation from the carrier to avoid missteps. Documenting the transfer and maintaining copies of assignment forms are important for both administrative clarity and future estate administration.
When the grantor makes gifts to the ILIT to cover premiums, documentation of those gifts and any limited withdrawal notices to beneficiaries is important. These records demonstrate the flow of funds and support any necessary tax reporting. We help prepare the notices and keep a clear record of gift dates and amounts. Proper documentation is a key part of ensuring the ILIT operates smoothly and in accordance with both the trust terms and applicable tax considerations.
Once the trust is in place and the policy is owned by the ILIT, trustees must manage ongoing premium payments, maintain records, and follow distribution instructions when the policy pays out. We provide written guidance for trustees that covers standard procedures, tax reporting, and communication with beneficiaries. The firm can assist trustees with discrete issues that arise during administration, ensuring that proceeds are distributed in line with the trust terms and that documentation is preserved for estate administration and tax purposes.
Trustees should keep meticulous records of premium gifts, policy statements, and any communications with beneficiaries or insurers. Good recordkeeping supports transparency and helps settle the estate efficiently. Trustees must also ensure timely payment of premiums to avoid a lapse in coverage and should coordinate with financial institutions or the grantor’s estate as necessary. Clear procedures for managing routine administration reduce the risk of errors and help trustees meet their duties to beneficiaries.
When the policy pays out, trustees follow the trust terms to distribute funds, pay estate obligations if needed, and prepare any required tax filings. Trustees should consult counsel for guidance on tax reporting and final accounting to beneficiaries. Closing the trust involves accounting for distributions and preserving important records for beneficiaries. Proper administration at this stage ensures proceeds are used as intended and concludes the trustee’s duties in an orderly way.
An Irrevocable Life Insurance Trust is a trust created to own one or more life insurance policies so that the death benefit can be managed and distributed according to the trust terms. When the trust owns the policy, the proceeds are paid to the trust and the trustee administers distributions for beneficiaries. This arrangement allows the grantor to set distribution timing, impose protective provisions, and provide a clear plan for the use of proceeds. The trust document specifies trustee authority, beneficiary designations, and any unique conditions the grantor wants to include. Setting up an ILIT typically requires drafting the trust, transferring an existing policy by assignment or arranging for the trust to purchase a new policy, and funding premium payments. Trustees must manage premiums and keep records. Because the trust is irrevocable, the grantor gives up ownership rights, and careful planning is needed to ensure the arrangement meets tax and estate planning goals while providing the desired protections and flexibility for beneficiaries.
Transferring a life insurance policy into an ILIT can keep the death benefit out of the grantor’s taxable estate, but certain timing rules and transfer conditions must be observed. If the grantor dies within a specified lookback period after transferring ownership, the proceeds may be included in the estate. Proper planning addresses these timing concerns and ensures transfers are documented correctly. Reviewing the policy type, policy ownership history, and transfer dates helps determine whether the proceeds will avoid estate inclusion. Additionally, life insurance beneficiary designations and ownership formalities must be consistent with the trust structure. Any changes to beneficiary designations after a transfer can create complications. Working through these details before completing a transfer reduces the risk of unintended tax consequences and helps ensure the ILIT functions as intended when the time comes.
Once a policy is owned by an ILIT, premium payments are typically funded by gifts to the trust from the grantor. These gifts are documented and the trustee uses the funds to pay premiums directly to the insurer. Many ILITs include provisions for limited withdrawal rights or notices to beneficiaries to satisfy gift tax rules while maintaining the trust’s objectives. Keeping accurate records of each gift and premium payment is essential for tax reporting and administrative transparency. Another approach is to have the trust purchase a new policy and name the trust as owner from the outset. In that case, the trust will hold funds to pay premiums according to the funding plan agreed at creation. In both scenarios, careful coordination with insurers and financial institutions ensures premium payments are made timely and the policy remains in force for the intended benefit.
Choosing the right trustee matters because the trustee handles premium payments, keeps records, and administers distributions according to the trust terms. Trustees must be reliable, organized, and willing to carry out fiduciary duties, including communication with beneficiaries and insurers. Many clients name a trusted family member as trustee, but others choose a professional trustee or institution when greater administrative continuity or impartiality is desired. Naming successor trustees in the trust document ensures continuity if the initial trustee cannot serve. Trust documents should clearly define trustee powers and provide guidance for common decisions trustees will face, such as paying premiums, investing trust funds, and making discretionary distributions. Clear instructions and successor trustee nominations reduce the risk of disputes and help the trustee act confidently and in alignment with the grantor’s intent.
An ILIT can be a valuable tool to provide for a beneficiary with special needs while protecting eligibility for public benefits, but it must be structured carefully. A separate supplemental needs trust or other tailored provision can direct funds for specific purposes without disqualifying the beneficiary from government programs. The ILIT can fund or work in tandem with such arrangements to ensure resources are available for care and support without disrupting benefits. Planning for a beneficiary with special needs requires coordination among trust documents, beneficiary designations, and public benefit rules. Drafting language that outlines permissible uses of funds, and naming trustees familiar with the beneficiary’s needs, helps ensure the trust supports the beneficiary’s long-term well-being while preserving critical benefits.
Creating and funding an ILIT has several tax considerations, including potential gift tax reporting for premium gifts and estate tax implications related to the timing of transfers. Gifts to the trust that cover premiums may be treated as annual exclusion gifts if structured properly, and documentation of these gifts is important for tax records. The transfer of an existing policy may trigger tax consequences if the policy had a prior transfer for value, so reviewing the policy history is essential. Because the trust is irrevocable, the goal is often to remove the death benefit from the taxable estate, subject to lookback rules. Careful planning and documentation help ensure the trust achieves the intended tax outcomes. Trustees should keep detailed records to support tax filings and any reporting requirements that arise during administration.
An ILIT should be coordinated with your revocable living trust, pour-over will, and beneficiary designations to ensure a cohesive estate plan. For instance, retirement plan assets often pass by beneficiary designation and may require a retirement plan trust to implement particular protections. Ensuring the ILIT’s terms align with other documents prevents conflicts and provides a clear roadmap for trustees and executors. This coordination also helps avoid unintended consequences when assets transfer at death. Regular plan reviews ensure all documents reflect current intentions and the names of trustees and beneficiaries remain appropriate. Coordination minimizes administrative complexity and ensures life insurance proceeds support the broader goals of your estate plan, such as providing for heirs, funding trusts, or preserving assets for future generations.
If a grantor dies shortly after transferring a policy to an ILIT, federal rules may cause the death benefit to be included in the grantor’s estate under a lookback period. This means that transfers made within a certain timeframe before death can still be treated as part of the estate for tax purposes. Proper timing and planning before transferring policies are important to avoid this outcome. Reviewing policy transfer dates and the applicable rules helps determine whether an unexpected estate inclusion applies. Because of this concern, some families choose to purchase new policies directly in the trust or delay transfers until timing risks are minimized. Consulting with counsel early and documenting transfers carefully reduces the likelihood of unintended tax consequences and clarifies how the trust will function in the event of an untimely death.
Because an ILIT is irrevocable, changing its terms after creation is generally limited and can be difficult. The grantor typically gives up the power to alter the trust, so initial drafting must carefully reflect intentions and contingencies. In some cases, trustees can be given limited powers within the trust to adapt to future circumstances, or parties may use settled law mechanisms to modify trusts in narrow circumstances. Planning for flexibility at the time of drafting helps manage future needs without undermining the trust’s purpose. If changes are necessary, options may include decanting the trust into a new trust under state law, seeking court approval for modifications, or drafting limited reserved powers at the outset that permit certain adjustments. Any such path should be pursued with counsel to ensure modifications do not negate the trust’s estate or tax objectives.
To begin the process of creating an ILIT with our firm, schedule an initial consultation to review your goals, insurance policies, and family circumstances. During this meeting, we discuss whether an ILIT is appropriate and how it fits with your broader estate plan. We will outline the drafting process, discuss trustee selection, and explain funding strategies for premiums. Clear communication early in the process helps ensure the trust document aligns with your objectives and administrative preferences. After the consultation, we prepare draft trust documents tailored to your needs and coordinate any required policy transfers or new purchases. We also assist with the documentation of premium gifts and provide guidance for trustees to maintain records. Our goal is to create a plan that is easy to maintain and that achieves your intended legacy and protection outcomes.
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