Kenny is considering transferring his life insurance policy to an ILIT. Which of the following statements is true?

A) If Kenny included a clause that said, Kenny can change the beneficiary of the trust at any time to any person other than himself then the assets would be included in Kennys gross estate when he died.

B) If the trust allows the trustee to lend money to the Kennys estate at Kennys death, then the proceeds of the life insurance policy will be included in Kennys gross estate.

C) Transferring the policy to the ILIT will eliminate the chance that the proceeds will be included in Kennys gross estate at Kennys death

D) If Kenny continues to pay the trustee an amount needed to pay the premiums on the policy, the proceeds will be included in his gross estate when he dies.