Many are not aware of a strategy when it comes to life insurance policy that simplifies the claim process. Experts advise people to write their policies in trust which if not offered can be requested along with further information. An insurance policy in trust has the proceeds of the insurance policy proceed directly to the named beneficiary without having to wait for the tedious process of court orders and other formalities associated with claims of this type. The money that comes in the form of the money paid by the insurance company falls outside of that person’s estate which leaves it void of the deductions and other costs of inheritance taxes.