Irrevocable life insurance trust in Camarillo

An Irrevocable Life Insurance Trust (ILIT) is a legal entity designed to own and manage a life insurance policy while excluding the death benefit from the insured’s estate for tax purposes. Once established, the trust is irrevocable, meaning the grantor (the person creating the trust) cannot modify or terminate it.

The primary purpose of an ILIT is to shelter the insurance policy’s death benefit from estate taxes, ensuring the proceeds are passed to the beneficiaries in full. The trust owns the policy, and the grantor typically funds the trust with money to pay the premiums. Upon the grantor’s death, the trust receives the insurance proceeds, which can then be used to provide for beneficiaries or cover estate taxes or other liabilities.

By keeping the death benefit out of the taxable estate, an ILIT is an effective estate planning tool for wealth preservation. However, it requires careful setup and compliance with specific legal and tax rules. in Camarillo

 

I’m Estate Planning Attorney Eric Ridley, and I’m an un-stuffy Camarillo lawyer – Irrevocable life insurance trust

I don’t bite and I’m not mean.

Set up your free consultation with me and let’s talk about your Irrevocable life insurance trust needs in Camarillo or anywhere else in California

I promise to answer your questions, and not to overwhelm you with jargon.
Click here to set up a free, friendly, in-depth, no-pressure legal consultation!

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Camarillo Estate Planning Attorney — Eric Ridley

You’ve worked hard to build a life, a legacy, and maybe even some wealth.

Now it’s time to protect it.

I’m Eric Ridley. I help people in Camarillo and across the county create clear, legally sound estate plans that make life easier for their families—and harder for the courts, creditors, and anyone who wants to challenge your wishes.

Whether you’re planning for the future, handling a loved one’s estate, or facing a legal dispute, I’ll guide you every step of the way.

Call now: 805-244-5291

Let’s talk about your estate plan, or about Irrevocable life insurance trust.

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Estate Planning Services

You don’t need a law degree to create a great estate plan. You just need a guide who will listen, explain things clearly, and give you options that make sense for your life.

Here’s how I help:

Wills and Trusts

Want to make sure your assets go to the right people, without court delays or family fights?

I’ll help you:

•Write a will that’s clear and enforceable

•Set up a revocable living trust to avoid probate

•Create a backup plan for kids or vulnerable family members

•Make updates when your life or goals change

Don’t leave your family guessing. A well-crafted plan gives them clarity—and peace of mind.

Asset Protection in Camarillo

Worried about lawsuits, creditors, or long-term care costs wiping out what you’ve built?

I can help you:

•Set up asset protection trusts

•Separate high-risk assets from safe ones

•Protect inheritances for children and grandchildren

•Reduce or avoid estate taxes legally and strategically

We’ll structure things the right way—before a problem ever shows up.

Powers of Attorney and Advance Health Directives

If you’re ever unable to make decisions, someone will have to make them for you.

The question is—who? And will they know what you want?

I’ll prepare the legal documents that:

•Name someone you trust to manage your finances or health care

•Give doctors and banks the authority they need to work with your agent

•Keep your family from arguing or guessing in a crisis

You stay in control—even when you can’t speak for yourself.

Special Needs & Charitable Trusts

Do you support a loved one with disabilities? Want to leave money to a cause you care about?

I’ll guide you through options like:

•Special needs trusts (to preserve benefits)

•Charitable remainder or lead trusts (to support nonprofits while reducing taxes)

•Inheritance planning for blended families or second marriages

Your values and goals deserve to outlive you.

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Probate Services in Camarillo

Probate can feel overwhelming.

There are forms, deadlines, court hearings, asset inventories, tax issues, and family tension. If you’re the one in charge, the pressure is heavy.

I’ll help you:

•Understand your legal duties as executor

•Get the estate through probate with as little stress as possible

•Avoid mistakes that cause delays or personal liability

•Resolve disputes with heirs or creditors

Most people only go through probate once. I do it every day. Let’s get it done right.

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Why Work With Me?

• I talk like a real person, not a legal memo.

• I work remotely—no office visit required.

• I’m hands-on, responsive, and don’t pass you off to staff.

• I’ve helped hundreds of families plan, protect, and pass on what matters.

• I focus on giving you clarity—not confusion or paperwork.

Your estate plan should work.

It should reflect your values.

And it should make life easier for the people you love.

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Ready to Protect What Matters?

Call 805-244-5291 to schedule a free consultation.

No pressure. No jargon. Just real solutions and straight answers.

I’m Estate Planning Attorney Eric Ridley, and I’m an un-stuffy lawyer.

I don’t bite.

Set up your free consultation with me and let’s talk about your Irrevocable life insurance trust needs in Camarillo or anywhere else in California

I promise to answer your questions, and not to overwhelm you with jargon.

Click here to set up a free, friendly, in-depth, no-pressure legal consultation!

Camarillo is a vibrant city in Southern California, known for its serene landscapes and a warm, inviting atmosphere. With rolling hills and sprawling vineyards, this charming community offers a unique blend of suburban comfort and agricultural heritage. The air is often filled with the sweet scent of citrus groves, and the backdrop of the Santa Monica Mountains provides a stunning contrast to the bright blue sky.

The city’s thriving downtown area is a hub of activity, featuring delightful boutiques, cafes, and local eateries that highlight the region’s culinary diversity. On weekends, the Camarillo Premium Outlets attract shoppers from all over, eager to snag deals on top brands. The city’s rich history is celebrated in its many parks and cultural events, making it a great place for families and outdoor enthusiasts alike. With a friendly community and a strong sense of pride, Camarillo embodies the quintessential California spirit, inviting all to experience its unique charm and natural beauty.

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