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You might consist of a spendthrift clause which stops the estate from being used to spend for Medicaid which implies you need to make arrangements for health care prior to signing.
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Each year (or as long as premiums are due),you’ll transfer money to the ILIT,the Trustee (or your attorney or CPA) will inform your recipients of that truth the Crummey Letter,and then the Trustees will wait the proscribed time to see if the recipients of your ILIT withdraw the money Avoid Probate,consider Estate Planning: The Law Firm of Steven F.Bliss Esq.Estate Attorney San Diego.

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If you are not yet 70 1/2 years of ages,you can wait until you reach that age to begin taking minimum withdrawals.
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