Check this out too;  A number of legal, accounting and financial tools exist to help reduce or eliminate income and estate taxes while protecting assets from lawsuits or the claims of creditors. FIT plan variations are used wholly, or in part, to amplify the benefits of using such tools while reducing the out-of-pocket expense for doing so. Not only can 100% of wealth be protected and preserved for transfer to future generations, but FIT planning can further expand such wealth. $IOGA