Legal Question in Wills and Trusts in Utah

Life insurance is what is known as a "non-probate" asset, which simply means that because it has a beneficiary designation it does not go through probate. So it isn't necessary to put the trust as a beneficiary. You can just name the persons who are to receive the proceeds as beneficiaries on the policy. In some situations where a person's assets are significant a special kind of trust is formed to hold the whole life policy to ensure the life insurance proceeds are not taxable to the estate. This is unnecessary in estates that are not likely to be taxable. Let me know if I can be of further assistance.