Irrevocable Life Insurance Trusts (ILITs) are a cornerstone strategy for high-net-worth (HNW) estate planning in the United States—especially in wealth centers such as New York …
Common ILIT Implementation Mistakes and How HNW Advisors Avoid Them
Irrevocable Life Insurance Trusts (ILITs) are a cornerstone tool for high net worth (HNW) estate planning in the United States—powerful for keeping large life insurance …
Crummey Powers and Annual Exclusion Gifting: Making ILIT Contributions IRS-Proof
Irrevocable Life Insurance Trusts (ILITs) are a cornerstone strategy for high-net-worth (HNW) estate planning in the United States. When properly funded, an ILIT keeps large …
ILIT Design for Premium-Financed Policies: Compliance and Estate Inclusion Risks
High-net-worth families in New York, Los Angeles, and Houston increasingly use premium-financed life insurance to acquire large death benefits without deploying significant liquidity. When done …
ILITs Explained: A Step-by-Step Guide for High Net Worth Estate Planning
High net worth (HNW) families in the United States increasingly use Irrevocable Life Insurance Trusts (ILITs) to transfer wealth, provide estate liquidity, and mitigate transfer …
Grantor vs Non-Grantor ILITs: Tax Implications and Best Practices for HNW Clients
Irrevocable Life Insurance Trusts (ILITs) are a cornerstone planning tool for high-net-worth (HNW) clients who want to transfer wealth efficiently and keep life insurance proceeds …
How to Structure an ILIT to Keep Large Life Policies Out of the Taxable Estate
For high‑net‑worth families in the United States—especially in wealth centers like New York City, San Francisco, Los Angeles, Houston and Dallas—properly structuring an Irrevocable Life …
Integrating Liquidity Planning and Tax Forecasting: Insurance Models for Estate Tax Reduction
High-net-worth (HNW) estates face two interlinked problems: projecting future estate tax exposure and ensuring there is liquid capital at death to pay taxes without forced …
State Estate Tax Triggers and Insurance Strategies for Multi-State High Net Worth Families
High net worth (HNW) families with assets across multiple U.S. states face a complex interplay of federal and state estate tax regimes. Insurance — when …
Timing Gifts vs Buying Insurance: Tactical Moves to Reduce Federal and State Estate Tax
High-net-worth (HNW) families face two recurring questions when designing transfer strategies: should you accelerate gifts now to remove assets from your taxable estate, or buy …