The WORST Trust Funding Advice!

There’s a reason this advice spreads so easily—it sounds simple, clean, and efficient. Just name your spouse or your kids directly on your life insurance and move on. But what almost no one explains is what actually happens when that decision collides with real life.

In this video, I break down a real situation where a client followed that exact advice after being told by his insurance agent—his old college football buddy—that you should always name your spouse first. He pushed back on naming his trust as the primary beneficiary, thinking he was making a reasonable compromise by listing it as contingent.

That single decision completely changed how everything played out.
When he passed away, the life insurance went to his wife as expected—but she was already in assisted living and not handling finances. The nephew stepped in and handled everything, but when the wife passed away just 40 days later, the outcome wasn’t what anyone expected. The life insurance didn’t go to the trust. It didn’t follow the plan. It ended up in probate.

This is exactly what happens when life insurance is not properly coordinated with your revocable living trust.

In this video, you’ll learn:
• Why naming individuals on life insurance can completely bypass your estate plan
• How age restrictions, protections, and contingencies disappear instantly
• Why life insurance doesn’t “fix itself” after a second death
• The hidden risks that most attorneys and advisors never explain
•How this mistake creates unnecessary probate, delays, and family conflict

This is not about theory. This is about how these decisions actually play out when it matters most.

If you want to make sure your trust is properly funded and your plan actually works the way you think it does, sign up for our trust funding webinar here:

👉 www.TrustFundingWebinar.com

We walk through these issues in plain English so you can avoid the kinds of mistakes that quietly unravel even well-designed estate plans.

 

Check out the YouTube video version here.

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