Care for what comes next. And who comes after.

Coordinate insurance with your estate plan to help create liquidity and carry out your intentions for family, business, and charitable causes.

Request an Estate Insurance Review

Legacy

Make your intentions clear.

Start with your objectives. Bring the right professionals together. Understand the commitments before making a decision.

UNDERSTAND YOUR OPTIONS

A plan that reflects your priorities.

Estate liquidity

Provide a potential source of funds for obligations so beneficiaries may have more flexibility with other assets.

Inheritance design

Align coverage and beneficiary choices with your family’s circumstances and your broader estate plan.

Charitable legacy

Explore how insurance may support the organizations and causes that matter to you.

KNOW BEFORE YOU DECIDE

The details matter.
So do the tradeoffs.

What is an irrevocable life insurance trust?

A trust can own a policy for designated beneficiaries. When properly designed and administered, proceeds may be excluded from the insured’s taxable estate.

Separate professional roles

M. H. LeBlang Insurance Services designs and reviews insurance. Your attorney establishes the trust and advises on ownership, administration, and legal requirements.

Timing and administration

Transfers of an existing policy may be affected by the federal three year rule. Gifting, control, and ongoing trust administration require careful advice.

Important considerations

M. H. LeBlang Insurance Services does not provide legal or tax advice. Trusts, ownership, gifting, and beneficiary provisions require qualified legal and tax counsel. Estate inclusion and tax treatment depend on individual circumstances and current law. No tax outcome is guaranteed.

M. H. LeBlang Insurance Services is not the issuing insurance company and does not guarantee the contract. Any contractual guarantees depend on the issuer’s claims-paying ability and the terms of the contract.

M. H. LeBlang Insurance Services and the licensed insurance producer may receive commissions and other compensation from the issuing insurance company. Compensation varies by product and carrier and creates a financial incentive.

LET’S MAKE THE NEXT STEP SIMPLE

You don’t have to figure it out alone.

Start with a conversation. We’ll help you find a path that fits.

Schedule a Consultation