A life insurance trust and an ILIT are not competing products. The real decision is whether the policy should be trust-owned and whether irrevocability is necessary to support the planning outcome. This article breaks down the ownership, control, estate, and funding issues that actually decide the answer.

Permanent life insurance costs involve more than a premium quote. This UHNW buyer guide explains what you’ll actually pay over time, where policy friction shows up, and how disciplined design and monitoring protect long-term efficiency.

Permanent life insurance becomes strategically useful when it’s engineered as long-duration capital. This buyer’s guide explains how UHNW families evaluate structure, funding, access, and ownership so the policy supports the broader wealth architecture.