Individual ILIT’s are a poor choice in most cases
If you have counsel draft an ILIT make sure that if you wish to use it for a joint or survivorship policy in the future that the ILIT is amendable. Or better yet do not draft an ILIT for an individual life policy if at all possible…
Joint life is ALWAYS more efficient premium wise than individual so it always amazes me when I see an ILIT drafted for an individual especially in cases where the insured is married and the goal of said ILIT is Wealth Transfer Planning.
In any case if you need advanced planning or have any life insurance needs in Aspen call Drew Kitchell with Devlin Financial Services. 970-379-7777.
Tags: ILIT
Estate Planning, Guaranteed Universal Life insurance aspen co | dkitchell February 18, 2010
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