1) Financial planning case with a terminally ill individual (wife)- Should $250000 life insurance policy be put into the ILIT? The wife land is not over $5.12M therefore not over federal estate tax threshold. Should the living trust be set up for 2 of 3 children whom have not gone to college with conditions they receive legacy based upon finishing of college? One of the children is also alienated. Are there any preparation ideas to cure the relationship with son and give confidence him going to college? The son is deliberately absent from couples wills with testamentary trusts, should all wills be modified to reflect couples present wishes as the means to cure relationship? Would this be the good suggestion from financial planner standpoint?