ILIT Planning

Two realities make ILIT planning genuinely time-sensitive. First, when you move an existing policy into a trust, a federal lookback period applies — which means the full benefit of the transfer may not take effect unless enough time passes first. Starting sooner protects your plan. Second, estate-tax exemption levels are not fixed; they are subject to legislative change, and a favorable environment today may not be the environment your family faces tomorrow.

The lesson is consistent: the most effective estate planning is done early, with time on your side — not under pressure, after the rules have shifted or a health event has narrowed your options. Families who plan ahead get to act deliberately. Those who wait too often find themselves reacting.

An ILIT involves precise legal structure, ownership, and ongoing administration, and it works in concert with your estate attorney and tax advisors. Our role is the insurance at the center of it: selecting and structuring the right policy to fund the trust and fulfill its purpose for the long term.

Beyond tax efficiency, an ILIT can provide ready cash to settle an estate, equalize inheritances, or preserve a business or property — without a forced sale. We'll help you build that foundation.