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Square vault door on brick wall representing how an Irrevocable Life Insurance Trust (ILIT) protects life insurance policies from estate taxes. — Defining the Irrevocable Life Insurance Trust (ILIT) Quick Answer: An Irrevocable Life Insurance Trust (ILIT) is a legal entity designed specifically to own and manage a life insurance policy. Because it is irrevocable, the creator cannot change its terms or reclaim ownership of the policy. This structure allows the death […]

What is an Irrevocable Life Insurance Trust (ILIT)?

March 4, 2026 in life tagged beneficiary / estate planning / Financial planning / life insurance / taxes by Jose Lerma

Getting a life insurance policy can be such a big decision that once it’s done, you almost want to wipe the sweat off your forehead and move on with your life, knowing it’s taken care of. And while you do have that peace of mind now, it is not something […]

Updating Your Life Insurance Policy After Major Life Changes

September 24, 2025 in life tagged advantages of life insurance / beneficiary / Financial planning / life insurance by Kayla Gonzalez

family enjoying life insurance — Have you ever considered purchasing a life insurance policy but didn’t know where to start or what to do? You’re not in the minority. There are a lot of people who don’t know the ins and outs of life policies. And if you have a policy, do you know exactly what life insurance covers? Let’s get into that today and […]

What Does Life Insurance Cover?

May 29, 2024 in life tagged advantages of life insurance / beneficiary / benefits / FAQ by Vohny Figueroa

A woman lovingly holds her child at the beach. — Did you know that when you purchase life insurance, you might be able to save on your taxes? Life insurance primarily functions as a safety net, but these policies might also give you tax advantages. Let us explore different life insurance options that allow practical coverage while keeping more dollars […]

Taxes and Life Insurance

January 17, 2024 in life tagged beneficiary / government / life insurance / Personal Finances / taxes by Joey Hinojosa

cheerful friends sitting in school — The start of a new school year is filled with promise and potential. It can be a period of adjustment for both kids and parents. It might be difficult knowing the best way to support your kids as they transition into new grades can be difficult. But fear not! We’ve […]

Score an A+: 7 Parenting Hacks for a Winning School ...

August 2, 2023 in life tagged aging parents / beneficiary / education / future by Aris Mercedes

Locate the Life Insurance Policy Unfortunately, it’s common for individuals to pass away with a life insurance policy their loved ones knew nothing about. And sometimes, the policyholder will forget the life insurance exists if they paid it off long before passing away. When that life insurance money goes unclaimed, it […]

Finding a Loved One’s Policy

April 19, 2023 in life tagged beneficiary / life insurance / life insurance beneficiary / Life Insurance claims by Kayla Gonzalez

Life Insurance Is Important Everyone knows the importance of life insurance. It provides a financial safety net for those that you leave behind. Your responsibility is to continue making monthly payments to ensure that your beneficiaries can receive the payout once you pass. The sum of money can vary by thousands or […]

Picking a Life Insurance Beneficiary

October 12, 2022 in life tagged beneficiary / death benefit / Financial planning / life insurance / life insurance beneficiary by Kayla Gonzalez

Old Asian couple smiling. — Everything Together When you’ve been with someone for so many years, it may seem like you have everything together. It could be children, houses, cars, bank accounts, or businesses, but how about life insurance? A joint life insurance policy is a practical option for married couples, domestic couples, and business partners. […]

What is Joint Life Insurance?

August 17, 2022 in life / Medicare / Uncategorized tagged beneficiary / insurance coverage / joint life insurance / life insurance riders / premiums by Kayla Gonzalez

life insurance — Looking Into Life Policies – When Do I Need It? Life insurance has always been marketed as a way to provide financial protection for your family– implying you have a spouse and/or children– should you pass away. Therefore, it can be difficult to decide whether or not you need a […]

I’m Single, Do I Need Life Insurance?

January 20, 2022 in life tagged beneficiary / Financial planning / Funeral Plans / life insurance / Personal Finances by Kayla Gonzalez

Charitable giving — “Carve your name on hearts, not tombstones. A legacy is etched into the minds of others and the stories they share about you.” —Shannon Adler A legacy is how people remember you. One great way to build your legacy is by giving back and helping others. If you had this […]

Leave Your Legacy with Charitable Giving

June 27, 2019 in life tagged beneficiary / death benefit / Financial planning / life insurance by Jenny McCann