you are asking a question of estate planning,

you are asking a question of estate planning, which beyond the scope of life insurances...

estate planning is more complicated than just buying a single policy, a good attorney can put it all together base on your individual needs..

the use of life insurance trust is, usually under the A-B-C trust structure, the use of life insurance is not for benifit, but to use the proceed for estate tax owe to IRS.