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What is an Irrevocable Life Insurance Trust?

Created to own and control a life insurance policy or policies while the insured is alive, Irrevocable Life Insurance Trusts are tools that are sometimes recommended by estate and planners. ILITS also manage and distribute proceeds from a policy when an insured dies.
ILITS have three components: a grantor (creator of the trust), a trustee (manager of the trust), and a beneficiary or beneficiaries. Beneficiaries are those who receive the assets of the trust when the grantor dies.
When insurance benefits are paid out upon the grantor's death, the...
Throwing the book at Captain Hook

We hear this one all the time: “I feel badly because Randolph lost his job at the pro shop.” In an effort to have better grammar, we can often make it worse. So let’s figure out why the correct phrase in the above instance should be “I feel bad.”
The key here is knowing the difference between action verbs and linking verbs.
It seems rather obvious how to identify an action verb: it does something active. Active verbs...
Have you considered a living trust?

Most people understand that a will is an estate management document that takes effect after a person dies.
However, there is also a way to administer your estate and ensure your wishes are followed. A living trust is a fund set up while you are alive to help you plan your estate more efficiently and privately.
A living trust is a legal vehicle used to pass on the assets of an estate, such as property, investments, collectibles, and other assets. It is sometimes chosen by people who want to help their...
Baby got back slang

Today I want to introduce you to the idea of “back slang.” Feel free to groan all you want, but I had to whet your appetite for a healthy dose of word nerdery.
For those of you who love wordplay, back slang is a way to play with language in which you speak or spell a word backward. Easy as...
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