An Irrevocable Life Insurance Trust (ILIT) can be an effective tool for managing life insurance proceeds and protecting family wealth after a loved one passes away. For residents of Denair and Stanislaus County, understanding how an ILIT fits into broader estate planning is important for reducing estate tax exposure, preserving eligibility for certain benefits, and controlling how life insurance death benefits are distributed. Our law office provides clear guidance on how an ILIT works, the roles of trustees and beneficiaries, and the interplay between an ILIT and other estate documents to help families plan with confidence and clarity.
Choosing the right structure for your life insurance and estate planning needs involves careful review of your family situation, financial accounts, and legacy goals. An ILIT is often used when the policy owner wants to exclude life insurance proceeds from the taxable estate, to provide liquidity for estate settlement, or to protect proceeds from creditors and unintended distributions. We take a practical approach to explain trust terms, transfer procedures, premium payment methods, and trust administration so that clients in Denair can make informed decisions consistent with California law and their personal priorities.
An ILIT offers several benefits that can be meaningful to families in Denair trying to preserve assets and provide for loved ones. By removing a life insurance policy from the grantor’s estate, an ILIT may reduce estate tax exposure and simplify distribution of proceeds. The trust can also specify when and how beneficiaries receive funds, protecting inheritance from creditors, divorcing spouses, or beneficiaries who might be unable to manage large sums responsibly. Effective use of an ILIT requires attention to funding mechanics, trustee duties, and compatible beneficiary designations to achieve the intended estate planning outcomes.
The Law Offices of Robert P. Bergman serves clients across California, including Denair and Stanislaus County, with a focus on practical estate planning solutions such as trusts, wills, and related documents. Our team emphasizes clear communication, careful document drafting, and thorough attention to funding and administration requirements that make trusts effective. We work with clients to integrate an ILIT into a comprehensive estate plan that may include revocable living trusts, pour-over wills, powers of attorney, and healthcare directives, providing coordinated documents that reflect family circumstances and long-term goals.
An ILIT is a trust designed to own and control a life insurance policy once it is transferred out of the grantor’s estate. The trust becomes the legal owner and beneficiary, and a trustee manages the policy according to the trust terms. For the ILIT to achieve its intended tax and asset protection benefits, transfers and premium payments must be structured carefully, and timelines such as the three-year rule should be observed. Proper administration includes clear trustee instructions for receiving proceeds and distributing benefits to named beneficiaries.
Practical considerations when establishing an ILIT include selecting a trustee who will follow the grantor’s distribution plan, coordinating beneficiary designations with other estate documents, and ensuring premium funding without creating unintended gift tax issues. Grantors should also evaluate whether irrevocability aligns with long-term goals, as revoking or changing an ILIT is typically limited once it is created. A well-drafted ILIT addresses contingencies, successor trustees, and the method for handling policy changes, loans, or transfers to preserve the trust’s intended benefits.
An Irrevocable Life Insurance Trust is a legal arrangement where the grantor transfers ownership of a life insurance policy to a trust, removing it from the grantor’s taxable estate and placing control with a trustee. The trustee holds the policy, collects any death benefit paid by the insurer, and distributes proceeds to beneficiaries per the trust’s terms. Because the trust is irrevocable, the grantor typically gives up ownership rights to the policy and cannot alter the terms later without consent under limited circumstances. Proper timing and documentation are essential for the ILIT to function as intended.
Key elements of an ILIT include a clear trust document naming the trustee and beneficiaries, transfer of the existing policy or issuance of a new policy owned by the trust, and mechanisms for premium payment. Processes include drafting and signing the trust instrument, coordinating with the insurance carrier to change ownership and beneficiary designations, and documenting any gifts used to fund premiums. Trustees must keep records, file required tax forms, and follow distribution instructions. Regular review ensures the trust remains aligned with changing family needs and financial circumstances.
Understanding the terminology related to ILITs helps clients make informed choices. Terms like grantor, trustee, beneficiary, gift tax, estate tax, retention rules, and three-year rule are commonly used in planning and administration. Knowing what each term means can clarify responsibilities and potential tax consequences. This glossary-oriented overview defines the most relevant concepts so families in Denair can discuss their objectives with confidence and ensure that an ILIT, if used, accomplishes their intended preservation and distribution goals.
The grantor is the person who creates the ILIT and transfers ownership of the life insurance policy into the trust. The grantor typically specifies trust terms, beneficiaries, and the initial funding plan. Once the trust is irrevocable, the grantor generally cannot reclaim ownership or unilaterally change the trust terms. The grantor may still pay premiums indirectly by making gifts to trust beneficiaries or through a Crummey notice arrangement, depending on the funding method chosen. Clear initial documentation from the grantor helps prevent disputes during trust administration.
The trustee is the individual or corporate entity appointed to manage the ILIT, own the insurance policy on behalf of the trust, and administer trust assets according to the trust terms. Trustee duties include communicating with the insurance company, tracking premium payments, filing required tax returns, and carrying out distributions to beneficiaries. A trustee must act in the best interest of the beneficiaries and follow the grantor’s instructions as set forth in the trust document. Successor trustees can be named to provide continuity if the initial trustee cannot serve.
The three-year rule refers to the estate tax provision that includes life insurance proceeds in the grantor’s estate if the grantor transfers ownership of a policy within three years of death. To ensure the ILIT keeps proceeds out of the taxable estate, transfers should be completed well in advance of anticipated estate events, and planning should account for this timing limitation. This rule underscores the importance of early planning and careful coordination between policy transfers and broader estate strategies to achieve the trust’s intended tax objectives.
Crummey powers are provisions that allow beneficiaries a limited period to withdraw gifts made to the ILIT, enabling those gifts to qualify for the annual gift tax exclusion. These temporary withdrawal rights are often included in ILITs to permit premium funding without creating taxable gifts beyond the exclusion. Practically, trustees send notices to beneficiaries informing them of the right to withdraw, and if those rights lapse, the funds are used to pay premiums. Crummey powers must be administered carefully to preserve tax benefits and meet legal notice requirements.
When considering how to manage life insurance within an estate plan, options include holding the policy individually, transferring it to an ILIT, or using other trust structures. Each approach has trade-offs involving control, estate inclusion, creditor protection, and tax planning. Keeping the policy in the individual’s estate provides simplicity but may expose proceeds to estate taxes and claims. An ILIT can remove proceeds from the estate while imposing restrictions. Comparing alternatives requires weighing liquidity needs, family dynamics, and future flexibility to choose the arrangement that best aligns with broader planning goals.
A limited approach, such as retaining an individual-owned life insurance policy, can be appropriate when policy proceeds are modest relative to a client’s overall estate and family needs are straightforward. If there is little risk of significant estate tax exposure and beneficiaries are capable of managing an inheritance, the administrative complexity of a trust may not be justified. For some families in Denair, keeping documents simple reduces ongoing trustee duties and legal costs while still providing death benefit protection, especially when combined with other basic estate planning instruments like a will and powers of attorney.
If beneficiaries face minimal creditor risk and there is no expectation of contested distributions or complex family dynamics, a limited approach may suffice. When family members have stable financial situations and there are no concerns about protecting proceeds from divorce proceedings or creditor claims, retaining simpler beneficiary designations can be efficient. In those situations, the administrative overhead and irrevocability of a trust may be unnecessary, and clients can focus resources on other estate planning priorities that offer better alignment with their current circumstances.
A comprehensive approach, including an ILIT as part of an integrated estate plan, is often chosen to reduce estate tax exposure and to ensure that life insurance proceeds are preserved according to the grantor’s wishes. For clients with sizable estates or multiple assets that could push the estate into taxable thresholds, an ILIT can isolate life insurance proceeds from estate calculations and provide directed distributions that align with long-term wealth preservation goals. Coordinated planning with other trust vehicles and documents ensures consistency across the entire estate plan.
When protecting life insurance proceeds from potential creditor claims, beneficiary mismanagement, or the effects of divorce is a priority, a comprehensive ILIT-based plan can provide structured protection. The ILIT’s distribution provisions can limit direct access to lump-sum proceeds and set conditions for how funds are used, such as for education, healthcare, or periodic distributions. This structure helps grantors preserve assets for intended beneficiaries while providing trustees with clear authority to administer funds responsibly over time.
Integrating an ILIT with other estate planning documents creates coordination that can prevent unintended conflicts and ensure consistent beneficiary designations, trust funding, and succession planning. A coordinated plan helps ensure that life insurance proceeds provide liquidity for estate settlement, cover taxes or debts, and support continued financial security for loved ones. When combined with revocable living trusts, pour-over wills, and powers of attorney, an ILIT fits into a larger framework that addresses incapacity, asset management, and smooth transition of property ownership.
A comprehensive approach also reduces the chance of administrative mistakes, such as failing to update beneficiary designations or neglecting premium funding arrangements. By addressing funding mechanics, trustee selection, and contingency planning up front, clients can avoid disputes and delays during administration. This proactive planning supports a predictable outcome for beneficiaries and can reduce stress on families during a difficult time, while also providing a framework for periodic review as laws and personal situations change over the years.
One primary benefit of an ILIT integrated into an estate plan is the potential to mitigate estate taxes by excluding life insurance proceeds from the taxable estate, while still providing liquidity to cover taxes, debts, and administrative expenses. This liquidity can prevent the forced sale of assets, such as real estate or business interests, and ensure that beneficiaries receive intended inheritances in a timely manner. Properly written trust provisions and timely transfers are required to achieve these advantages, and ongoing administration supports fulfillment of the grantor’s goals.
An ILIT allows a grantor to control how and when beneficiaries receive life insurance proceeds, which can protect those funds from creditors, divorce claims, or beneficiaries who may not be prepared to manage a large inheritance. Trust provisions can set distribution standards, create spendthrift protections, or provide staggered payments to align with life stages. This level of control can be particularly valuable in blended families, when minors are beneficiaries, or when there are concerns about preserving assets across generations.
Start the process of transferring ownership of a life insurance policy to an ILIT well before final estate planning deadlines, so that any timing rules, such as the three-year inclusion period, are addressed. Early planning allows time to coordinate premium funding, notify beneficiaries as appropriate, and ensure the insurance carrier recognizes the trust as owner and beneficiary. Taking advance steps reduces the risk that proceeds will be included in the estate or that administrative errors will undermine the trust’s intended benefits.
Ensure that an ILIT is coordinated with other estate planning documents such as revocable living trusts, pour-over wills, powers of attorney, and healthcare directives. Consistent beneficiary designations, aligned distribution instructions, and harmonized contingency plans reduce the likelihood of conflicting provisions and simplify administration. Periodic review is important to reflect changes in family structure, financial circumstances, or law, and to confirm that all documents continue to work together to implement the grantor’s intentions.
Families consider an ILIT for several practical reasons, including the desire to remove life insurance proceeds from the taxable estate, to provide liquidity for settling an estate, and to create controlled distributions for beneficiaries. An ILIT can be designed to meet unique family needs such as supporting minor children, protecting assets from creditor claims, or providing for family members with special financial needs. Thoughtful planning helps align the trust with the grantor’s long-term vision for asset protection and legacy preservation.
Residents of Denair with business interests, real property, or substantial combined assets often use an ILIT as part of a broader strategy to reduce potential estate taxes and ensure a smooth transition of wealth. The ILIT may also serve as a vehicle to manage proceeds discreetly and in a controlled manner, preventing unintended distributions and offering clarity for trustees and beneficiaries. Consultation and careful drafting reduce the risk of administrative errors and help ensure that the plan remains effective over time.
Common circumstances for establishing an ILIT include having a life insurance policy intended to provide liquidity for estate taxes, wanting to protect proceeds from creditor or divorce claims, providing structured support for minor or vulnerable beneficiaries, and planning for multi-generational wealth transfer. Business owners and property owners who need to ensure continued business operation or to fund estate settlement costs may also find an ILIT useful. Each case requires personalized analysis to determine whether an ILIT fits within the overall estate plan and family goals.
When minor children are beneficiaries, an ILIT can provide structured distributions that avoid outright lump-sum inheritances until children reach specified ages or milestones. An ILIT can set terms for education, health, and maintenance expenses and appoint trustees who will manage funds responsibly. These provisions help ensure that funds are used for the intended purposes and that a trusted decision-maker administers the assets in the child’s best interest, reducing the risk that an inheritance is misused or quickly depleted.
Families concerned about potential creditor claims or lawsuits benefit from using an ILIT to keep life insurance proceeds out of the grantor’s estate and under the control of a trustee. By placing policy ownership and proceeds in the ILIT, creditors of the grantor are less likely to reach those assets, providing a layer of protection for intended beneficiaries. Properly drafted trust provisions and careful administration are necessary to maintain this protection and to avoid unintended tax or legal consequences.
An ILIT can ensure that estate settlement costs, taxes, and obligations are covered without forcing the sale of illiquid assets like real estate or a family business. Designating life insurance proceeds to a trust creates a predictable source of funds to pay debts and taxes, which helps preserve the estate’s long-term value. This planning consideration is particularly relevant for property owners in Denair who want to avoid disruption to operations or the forced liquidation of assets during the probate process.
The Law Offices of Robert P. Bergman provide focused legal support for clients in Denair and across Stanislaus County who are considering an ILIT or other estate planning tools. We assist with drafting trust documents, coordinating transfers of life insurance policies, advising on premium funding methods, and guiding trustee administration. Our goal is to make the process understandable and manageable for families, helping to implement a plan that reflects the client’s priorities and provides clear instructions for trustees and beneficiaries during administration.
Clients choose to work with our firm because we provide practical, thorough planning tailored to each family’s circumstances, including detailed attention to trust funding, beneficiary coordination, and administration procedures. We draft clear trust language and provide guidance on trustee selection and funding mechanisms to help ensure that the ILIT accomplishes its intended objectives. Our approach emphasizes transparent communication and proactive problem solving to reduce the potential for later disputes or unintended tax outcomes.
Our services include review of existing insurance policies, assistance changing ownership and beneficiary designations when appropriate, and preparation of supporting documents such as Crummey notices and trustee acceptance forms. We prioritize compliance with applicable tax and trust rules and help clients understand the timing issues that affect trust effectiveness. Throughout the process, we explain the steps necessary to preserve the benefits associated with an ILIT and to coordinate the trust with other estate planning instruments.
We also assist with periodic plan reviews to reflect life changes such as marriage, divorce, births, or changes in financial circumstances. Keeping documents up to date and confirming funding arrangements helps maintain the integrity of an ILIT over time. Clients find value in having a trusted legal partner to handle both initial setup and ongoing administration questions, ensuring continuity and clarity for trustees and beneficiaries.
Our process for ILIT planning begins with an in-depth consultation to understand the client’s family dynamics, assets, and goals for life insurance proceeds. We evaluate existing policies and recommend whether to transfer an existing policy or have a new policy issued to the trust. Drafting focuses on clear trustee powers, beneficiary provisions, and funding mechanisms. After execution, we assist with necessary carrier notifications and provide guidance on premium funding and annual administration tasks to maintain the trust’s intended benefits.
The first step is an in-person or virtual consultation to gather details about your assets, life insurance policies, family structure, and planning priorities. During this meeting, we identify whether an ILIT is appropriate and discuss timing considerations, funding methods, trustee selection, and how the ILIT will interact with other estate documents. We then outline a recommended plan tailored to your objectives and provide a clear roadmap for trust implementation, transfers, and required notifications.
We review existing life insurance policies to determine ownership, beneficiary designations, policy values, and any loans or riders that could affect funding or transfer. This review identifies any steps needed to transfer ownership to the ILIT while accounting for timing rules and tax considerations. Identifying these details up front helps prevent surprises during implementation and ensures that the trust will function as intended when premiums are paid and proceeds are distributed.
We work with clients to choose appropriate trustees and structure beneficiary provisions to meet their goals, including contingent beneficiaries and successor trustee arrangements. Drafting focuses on clear instructions for distributions, protective provisions such as spendthrift clauses, and mechanisms for funding premiums. This design phase ensures that the ILIT reflects the grantor’s wishes and includes the practical detail necessary for trustees to administer the trust effectively over time.
Once the design is finalized, we prepare the formal ILIT document and any related forms required by insurance carriers or third parties. We guide the client through execution and notarization where applicable, and prepare trustee acceptance forms and beneficiary notices. Proper execution and documentation ensure clear title to the policy and help avoid challenges that can arise from incomplete transfers or mismatched beneficiary designations.
Coordination with the insurance carrier is a key part of implementation, whether transferring an existing policy to the trust or issuing a new policy owned by the trust. We assist in completing the carrier’s owner change forms, beneficiary designations, and any assignment instruments, ensuring the carrier recognizes the trust as the owner and beneficiary. This step establishes legal ownership and clarifies the insurer’s records for benefit payment and premium handling.
Setting up premium funding often involves annual gifts to the trust or other arrangements such as Crummey notices to preserve gift tax exclusions. We prepare necessary notices and counsel clients on maintaining records that document gifts and premium payments. Clear funding mechanisms reduce the risk of unintended tax consequences and provide a reliable method for keeping the policy in force over the grantor’s lifetime.
After the ILIT is in place, ongoing administration includes premium payment monitoring, record keeping, filing any required tax returns, and trustee communications with beneficiaries. Periodic reviews are recommended to confirm the trust remains aligned with client objectives, to address changes in family circumstances, and to adjust for updates in law. We provide guidance to trustees on administrative duties and help facilitate reviews to keep the trust functioning as intended.
We provide trustees with guidance on maintaining accurate records of premium payments, Crummey notices, and communications with beneficiaries, as well as on any tax filings that may be necessary. Proper record keeping supports transparency, helps demonstrate compliance with the trust terms, and reduces the potential for disputes. Trustees benefit from clear checklists and templates that outline common administrative responsibilities and reporting practices.
Life changes such as births, deaths, marriages, divorces, or significant asset changes may require review and possible adjustments to the overall estate plan, including coordinating other documents to reflect current wishes. While an ILIT is irrevocable, associated planning documents and funding strategies may need updates to preserve intended benefits. Regular reviews allow clients to address shifting circumstances proactively and to maintain a cohesive estate plan over time.
An Irrevocable Life Insurance Trust is a trust created to own a life insurance policy and receive its death benefit on behalf of the trust beneficiaries. The grantor transfers ownership of an existing policy or has a new policy issued in the name of the ILIT, removing direct ownership from the grantor’s estate. The trustee manages the policy, pays premiums from trust funds or gifts, and distributes proceeds according to the trust terms. This arrangement is used to control distribution and potentially keep proceeds out of the taxable estate. To function correctly, an ILIT must be properly funded and documented, and the insurance carrier must recognize the trust as owner and beneficiary. The trust language should specify trustee powers, beneficiary distributions, and contingency plans. Timing considerations, like the three-year rule, affect whether policy proceeds will be included in the estate. Careful initial setup and consistent administration are essential to preserve the trust’s intended benefits and to provide clarity for trustees and beneficiaries.
An ILIT can help reduce estate taxes by removing life insurance proceeds from the grantor’s taxable estate when ownership is properly transferred and the three-year rule has been observed. By placing the policy in an irrevocable trust that the grantor does not control, proceeds generally are not included in estate calculations, which can preserve more wealth for beneficiaries. This makes an ILIT a possible tool for clients facing potential estate tax exposure and seeking to provide liquidity to cover estate obligations without diminishing other estate assets. However, whether an ILIT will reduce taxes in a given case depends on the size of the estate, timing of transfers, and applicable federal and state rules. Clients should evaluate their overall estate picture, including other assets that contribute to potential tax liability, and coordinate the ILIT with other planning measures. Professional guidance helps ensure the trust is structured and funded in a way that aligns with tax planning goals while complying with legal requirements.
Once a policy is owned by an ILIT, premium payments must come from trust funds or be funded through gifts to the trust, which the trustee uses to pay premiums. One common method is annual gifts from the grantor to the trust, often accompanied by Crummey notices to preserve the annual gift tax exclusion. Alternatively, the trust can be funded with assets whose income is used for premiums. Trustees must track payments carefully and document funding to avoid creating unintended tax consequences or policy lapses. It is important to plan the funding mechanism before transferring ownership to the trust so premiums can be paid without creating taxable gifts beyond intended exclusion amounts. Coordination with the insurance carrier is needed to ensure premium payment methods are acceptable and that the policy remains in force. Trustees should maintain records of each gift and payment, and communicate with beneficiaries as required by the trust terms.
The three-year rule is a tax provision that includes life insurance proceeds in the grantor’s estate if the grantor transferred ownership of the policy within three years of death. This rule can undermine the tax advantages of an ILIT if the grantor dies within that period after transferring the policy. Planning typically accounts for this timing issue by implementing transfers well before any anticipated need so the proceeds remain outside the estate for tax calculation purposes. Because life can be unpredictable, transplanting policies well in advance and arranging funding strategies that do not rely on last-minute transfers is advisable. Reviewing timelines and coordinating with other estate planning measures helps prevent the three-year rule from producing unintended inclusion of the policy proceeds in the estate, preserving the trust’s intended benefits.
The trustee should be someone or an entity the grantor trusts to carry out the ILIT’s terms reliably over time. Choices include a trusted family member, a friend with financial acumen, a professional trustee, or a corporate trustee. The ideal trustee has the capacity to keep accurate records, communicate with beneficiaries, coordinate with insurance carriers, and perform administrative tasks such as filing required tax forms and sending notices when needed. Naming successor trustees provides continuity if the initial trustee becomes unable to serve. When selecting a trustee, clients should consider the complexity of the trust, the trustee’s familiarity with financial matters, and the degree of impartiality needed to avoid family conflicts. Compensation, availability, and willingness to serve are practical factors to address up front, and the trust instrument can provide clear guidance on trustee powers and limitations to streamline future administration.
Yes, transferring an existing life insurance policy into an ILIT is a common practice, but it requires careful handling to avoid tax or coverage issues. The grantor must execute an assignment of ownership to the trust and notify the insurance carrier, which will update its records to show the trust as owner and beneficiary. If the policy has outstanding loans or riders, these matters must be resolved or transferred in a manner that does not jeopardize coverage or create unexpected taxable events. Timing is critical when transferring existing policies because of rules like the three-year inclusion period. Additionally, premium funding should be planned so that gifts to the trust are properly documented and, when desired, preserved under the annual gift tax exclusion. Working through the transfer with legal guidance helps maintain policy integrity and helps ensure the ILIT achieves its intended purposes.
Crummey notices are temporary withdrawal rights given to beneficiaries when gifts are made to the ILIT, and they allow those gifts to qualify for the annual gift tax exclusion. The trust document grants beneficiaries a limited period to withdraw the gift, and trustees send written notices informing beneficiaries of the right to withdraw. If beneficiaries do not exercise their withdrawal rights, the funds remain in the trust to pay premiums or for other trust purposes as set out in the trust document. Proper administration of Crummey notices is important to maintain tax treatment of gifts and to document that the notice was provided. Trustees should keep copies of notices and records showing beneficiaries were informed. When multiple beneficiaries or varying trust funding schedules exist, consistent application of this process helps preserve the intended tax outcomes and avoids disputes over whether gifts qualified for exclusion.
An ILIT interacts with other estate documents by owning a specific asset—typically a life insurance policy—while other trusts, wills, and powers of attorney cover different elements of the estate plan. A revocable living trust or will usually addresses distribution of the grantor’s remaining assets, incapacity planning, and trustee or executor succession, while the ILIT specifically governs the insurance proceeds. Coordinating beneficiary designations so they don’t conflict with trust provisions is an important step in comprehensive planning. Ensuring that all documents align reduces the risk of contradictory instructions or unintended inclusions in the estate. For example, a pour-over will can work with a revocable trust to collect assets at death, but life insurance owned by an ILIT remains subject to the ILIT terms. Regular review and updates across all documents keep the overall plan consistent with the grantor’s current wishes and family circumstances.
After the grantor dies, the trustee should notify the insurance company and submit any required claim forms to collect the death benefit. The trustee then administers the proceeds according to the trust terms, which may include paying debts or expenses, making specified distributions to beneficiaries, and carrying out any contingent plans. Trustees must maintain records of receipts, disbursements, and communications with beneficiaries to demonstrate compliance with the trust’s provisions and fiduciary responsibilities. Depending on the trust language, the trustee may also need to coordinate with estate representatives, file any necessary tax returns, and provide accounting to beneficiaries. Clear documentation and timely action help ensure that funds are distributed as intended and that the trust administration proceeds smoothly without unnecessary delay or conflict.
Reviewing an ILIT periodically is important to confirm that beneficiary designations, trustee arrangements, and funding plans remain suitable as circumstances change. Significant life events such as births, deaths, marriages, divorces, or changes in financial status may prompt a review. While ILITs are irrevocable and cannot always be changed easily, related planning documents and funding mechanisms can often be adjusted to reflect new needs or priorities, and periodic reviews help identify whether additional actions are needed to preserve intended outcomes. We recommend checking the ILIT and the broader estate plan at logical milestones or every few years to ensure alignment with current objectives and legal changes. Regular reviews also provide an opportunity to confirm that the insurance policy remains in force, that premium funding is sustainable, and that trustee provisions and successor appointments remain appropriate for future administration.
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