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Understanding Life Insurance Trusts

September 12, 2017

What makes up my net estate?

To determine your current net estate, add your assets then subtract your debts. Insurance policies in which you have any "incidents of ownership" are included in your taxable estate. This includes policies you can borrow against, assign or cancel, or for which you can revoke an assignment, or can …

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August 25, 2017

Benefits of a Life Insurance Trust

Provides immediate cash to pay estate taxes and other expenses after death. Reduces estate taxes by removing insurance from your estate. Inexpensive way to pay estate taxes. Proceeds avoid probate and are free from income and estate taxes. Gives you maximum control over insurance policy …

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August 25, 2017

Should I seek professional assistance?

Yes. If you think an irrevocable insurance trust would be of value to you and your family, talk with an insurance professional, estate planning attorney, corporate trustee, or CPA who has experience with these trusts. …

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