Insurance trust funding is the process of moving money into an irrevocable life insurance trust (ILIT) to pay premiums and administer the policy. Common approaches include annual-exclusion gifts supported by timely Crummey notices, split-dollar arrangements, or intra-family loans. Trustees manage contributions, send notices, pay premiums, and keep administrative records. Proper funding keeps the policy in force and aligns ownership with estate-tax and asset-protection goals.

Trustees send Crummey notices, receive gifts, and pay premiums on schedule. Advisors document the process and retain proof for audit and beneficiary communications.