When Was the Last Time Your ILIT Oversight Structure Was Tested?
A short diagnostic for trustees responsible for trust owned life insurance.
Trust owned life insurance policies are designed to operate for decades. Over time, policy assumptions change, internal charges shift, and documentation practices can become inconsistent.
Many trustees inherit policies that were structured years earlier and assume they are functioning as intended.
This short assessment helps trustees evaluate whether their current oversight structure aligns with common fiduciary review practices.
It takes about two minutes to complete.
Why This Assessment Matters
Trust owned life insurance is not a static asset.
Interest rate assumptions evolve. Policy costs change. Beneficiary structures may no longer reflect the trust's intent.
The risk is rarely immediate policy failure. The more common issue is a gradual drift between the policy's original design and its current trajectory.
Without a defined review cadence and clear documentation, trustees may unknowingly carry fiduciary exposure.
This assessment is designed to provide a simple framework for identifying potential oversight gaps.
What the Assessment Evaluates
The assessment focuses on four areas that typically determine whether ILIT oversight is structurally sound.
Review Cadence and Documentation
Whether policies are reviewed on a defined schedule and documented appropriately.
Policy Sustainability
Whether current assumptions support the intended duration of coverage.
Ownership and Beneficiary Integrity
Whether the policy structure remains aligned with the trust language.
Carrier and Contract Risk
Whether the insurer and policy provisions continue to support the trust's objectives.
Fill out the form below to receive your ILIT Oversight Assessment
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Jane Doe
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