Estate liquidity
Evaluate funding for obligations that could otherwise require selling assets at an unfavorable time.
Insurance & annuities /Create liquidity.
Estate & legacy planning
Create liquidity.
Coordinate the legacy.
Align insurance design with estate liquidity, family objectives, charitable intentions, and the ownership structure developed with the client’s attorney and tax advisor.
M. H. LeBlang, Inc. dba M. H. LeBlang Insurance ServicesCA Insurance License 0M32052
Inheritance planning
Coordinate insurance with family circumstances, closely held assets, and intended beneficiary outcomes.
Charitable objectives
Review policy ownership, funding, and beneficiary arrangements alongside the charitable plan.
Trust coordination
Support policy design and administration where legal counsel recommends an appropriate trust structure.
Professional case review
Connect the coverage
to the broader plan.
A useful comparison makes the objectives, assumptions, tradeoffs, and implementation responsibilities clear.
- 01
Ownership and control
Confirm the proposed owner, insured, beneficiaries, and responsibilities before applying or transferring a policy.
- 02
Funding and administration
Coordinate premium schedules, liquidity, trustee duties, and the ongoing processes required by the legal structure.
- 03
Review when circumstances change
Revisit policy performance, beneficiaries, family needs, business values, and relevant legal or tax changes.
Product & implementation considerations
An irrevocable life insurance trust requires qualified legal counsel, an appropriate trustee, and ongoing administration. Ownership, transfers, funding, and policy structure affect legal and tax outcomes. Insurance does not by itself establish a particular estate-tax result.
Product availability, underwriting, features, and compensation vary by insurer, contract, state, and professional capacity. Insurance guarantees depend on the issuing insurer’s claims-paying ability.
For your practice
Bring the case.
Define the next step.
Start with the planning objective, client state, and the decision you need to make.