Trust-owned life insurance often remains in force for decades. What happens during that time can determine whether a trustee's oversight holds up to later scrutiny.
Trust-owned life insurance often remains in force for decades. During that time, policy performance, carrier assumptions, funding patterns, and changing circumstances can affect whether the policy continues to fulfill the trust’s original purpose.
American West Advisory provides independent fiduciary analysis together with contemporaneous documentation designed to support prudent fiduciary oversight throughout the life of the trust.
Years after a fiduciary decision is made, trustees may be asked:
Our work is designed to help answer those questions before they are ever asked.
We help trustees answer tomorrow’s questions with today’s documentation.
Trustees are generally held to a continuing duty to monitor trust assets—not a one-time decision made when a policy is first placed. For trust-owned life insurance, that means periodically revisiting whether a policy still serves the trust’s purpose, and being able to show the basis for that judgment if it is ever questioned.
Independent Fiduciary Analysis
Contemporaneous Documentation
Supporting Prudent Fiduciary Oversight