Wisconsin Funeral Trust Planning: Protect Your Assets and Legacy
With nursing home costs in Wisconsin averaging $10,000 monthly, your life savings can vanish quickly. Our Wisconsin funeral trust solution provides immediate asset protection while covering your final expenses with zero service fees.
How to Protect Your Assets with Funeral Trusts in Wisconsin
An irrevocable funeral trust in Wisconsin is a powerful financial shield, protecting your money and other assets from Medicaid spend-down requirements and look-back provisions. Unlike traditional bank-backed funeral trusts in Wisconsin, which are limited to $4,500 protection, Refi Trust's insurance-backed solution provides:
- Immediate protection of up to $15,000 in funeral trust money per person
- Extended protection of up to $100,000 when established over 5 years
- Complete exemption from Medicaid calculations
- Protection from creditors and nursing homes
Why should you choose a funeral trust over a prepaid funeral plan? Our funeral trusts offer more protection than standard prepaid funeral plans, with greater flexibility and control over your funds.
Convert Life Insurance to a Protected Funeral Trust
Have you been paying into a Non-Term Life Insurance policy for years, only to see premiums rise? Many Wisconsin seniors discover their cash value may be at risk from:
- Rising premium costs draining their retirement income
- Medicaid spend-down rules qualifying the cash value as a countable asset
- Nursing home expenses depleting policy value
Refi Trust lets you transform existing life insurance policies into strategic assets through our Burial Trust Insurance Policy. This seamless conversion process:
- Preserves your policy's cash value in a protected vehicle
- Eliminates ongoing premium payments
- Creates an exempt asset for Medicaid qualification
- Maintains funds for funeral expenses while protecting your estate
Our burial trust insurance policy protects up to $15,000 of funeral trust money from Medicaid in Wisconsin.
Funeral Trust Benefits for Estate Planning
A funeral trust in Wisconsin offers more than just asset protection. It aligns with Medicaid rules and look-back periods to help you plan ahead. While Medicaid’s 5-year look-back could penalize certain transfers, qualified funeral trust contributions fall under exempt limits.
An irrevocable funeral trust is an essential component of comprehensive estate planning in Wisconsin:
- Immediate fund distribution: We wire funds to your chosen funeral home within 48 hours
- Estate recovery protection: Your assets remain shielded from posthumous Medicaid claims
- Future flexibility: The funds aren't tied to a specific funeral home
- Estate return guarantee: Any unused funds return to your estate
Our Wisconsin funeral trust maintains your freedom to choose providers while offering superior asset protection, unlike traditional prepaid funeral plans.
Why Choose Refi Trust for Your Funeral Planning Needs
Refi Trust specializes in helping Wisconsin residents between 50-70 years old protect their assets from Medicaid while planning for funeral expenses:
- Zero service fees: Completely cost-free assistance with no complex underwriting
- Wisconsin-specific expertise: In-depth knowledge of Wisconsin Medicaid regulations
- Comprehensive protection: Coverage across Wisconsin and most US states
- Personalized consultation: Tailored solutions for your unique financial situation
Located within easy driving distance of Milwaukee, Racine, Kenosha, Waukesha, Ozaukee and Washington County, we offer both in-person and virtual consultations.
Ready to Secure Your Financial Future?
Don't let your hard-earned assets be depleted by rising healthcare costs or Medicaid spend-down requirements. Contact Refi Trust today for a personalized, no-obligation consultation.
Secure Your Future Now Call 414-244-9444
Refi Trust is located at 1200 N Mayfair Rd, Wauwatosa, WI 53226. We serve clients nationwide with Wisconsin-specific expertise in funeral trust planning and asset protection strategies.