Virtually all of us in the estate-planning community regularly use life insurance trusts and dynasty trusts to achieve huge estate tax savings. And these savings can be compounded for future generations if the trust accumulates some of its income. Unfortunately, the problem with these trusts has been twofold. First, to get large amounts into the trust to give the trust fund a jump start, we'd often be faced either with potential gift taxes or with some complicated premium-financing
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