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Why Now is the Time to Own Permanent Life Insurance in a Trust

As seasoned professionals in the field of finance and insurance, we firmly believe that now is the best time to own permanent life insurance in a trust. This article will explain why this is the case and how it can benefit you and your family in the long run.

What is Permanent Life Insurance in a Trust?

First, let us explain what permanent life insurance in a trust is. A permanent life insurance policy is a type of life insurance that provides coverage for the duration of your lifetime. This means that your beneficiaries will receive a payout upon your death, no matter when it happens. A trust is a legal entity that holds and manages your assets for your beneficiaries after your death.

Putting your permanent life insurance policy in a trust means that the proceeds of the policy will be paid directly to the trust upon your death, and the trustee will manage the assets and distribute them according to your wishes. By doing this, you can ensure that your beneficiaries receive the full benefits of the policy without going through the probate process, which can be lengthy and expensive.

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Why Own Permanent Life Insurance in a Trust?

There are several reasons why owning permanent life insurance in a trust is a smart choice, especially in today's uncertain times.

Protect Your Family's Financial Future

The primary reason for owning life insurance is to provide financial support to your loved ones in the event of your death. By putting your policy in a trust, you can ensure that the money goes directly to your beneficiaries, providing them with a stable financial future. This is especially important if you have young children or dependents who rely on your income.

Minimize Estate Taxes

Another benefit of owning permanent life insurance in a trust is that it can help minimize estate taxes. Life insurance proceeds are usually exempt from federal income tax but may be subject to estate taxes. By putting your policy in a trust, you can remove it from your estate, reducing the amount of estate taxes your beneficiaries will have to pay.

Protect Your Assets

Suppose you have substantial assets that you want to pass down to your beneficiaries. In that case, owning permanent life insurance in a trust can help protect them. The trust should be structured to ensure that the assets are distributed according to your wishes and protected from creditors and lawsuits.

Peace of Mind

Owning permanent life insurance in a trust can provide you with peace of mind, knowing that your loved ones will be taken care of after your death. By setting up a trust, you can be sure that your assets will be managed and distributed according to your wishes, and your beneficiaries will receive the full benefits of the policy.

Why Now is the Time to Own Permanent Life Insurance in a Trust?

With the ongoing banking failures and enormous government debt, now more than ever, it is crucial to have a plan in place to protect your family's financial future. Your heirs and the generations to follow will likely pay the enormous bill left by the current monetary and fiscal policies.

Many people are realizing the importance of estate planning, and by owning permanent life insurance in a trust, you provide a safety net for your loved ones in case of unexpected events.

Now is the time to consider this option. We encourage you to speak with a financial advisor to discuss the benefits of owning permanent life insurance in a trust.

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The article above is intended for informational purposes only and should not be construed as legal, financial, or tax advice. While we strive to provide accurate and up-to-date information, we cannot guarantee the accuracy or completeness of the information provided in the article.

Additionally, the decision to own permanent life insurance in a trust is a personal one that should be made in consultation with a qualified financial advisor. We strongly recommend that you speak with a financial advisor before making any decisions regarding life insurance or estate planning.

Finally, please note that the information in the article may not apply to your specific situation and that laws and regulations governing life insurance and estate planning vary by state and country. We encourage you to consult with a qualified professional who is licensed in your state or country to ensure that you are making informed decisions based on the most current and relevant information.


Troy Barrow, LUTCF has been a financial professional for over 15 years. He has been successfully helping clients like you to achieve your financial goals.

At Arlington Insurance Planning Services LLC, we are passionate about helping our clients achieve their financial goals and protect their hard-earned assets. We understand that every individual and business is unique, which is why we provide tailored insurance and financial solutions that are specifically designed to meet their needs.

Our founder, Troy, started this independent agency with a deep commitment to serving the community and providing access to a wide range of top-notch insurance companies. We are proud to be a part of our clients' journeys towards building, protecting, and transferring their wealth.

We take great pride in our work and strive to provide exceptional customer service, always putting our clients' needs first. Let us help you achieve your financial goals and secure your future.

Contact us today to learn more about how we can assist you with your insurance and financial planning needs.

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