Please help!! Need advice on Life Insurance!!?

I recently took out a 500K Term Life Insurance policy through my Insurance company. I have it set up so that my children are my beneficiaries, but I'm looking to set up something that's a bit more secure and would like to know how I can do this without having to pay outrageous lawyer fees. What I would like to see happen is have it set up in my will that $100k will be left to each my three children in separate saving accounts that are court protected until they are 25 , then they money will be turned over to them. I would also like $50K to be left in an emergency fund that is also court protected with all the kids names on it, this money can only be used in emergency situations to help support the children. Another $70K would be used to pay off my debt and burial funeral costs. After everything has been taken care of the remainder would be left to the guardian of my children..... I would like to have it set up that the guardian be determined based on the best interest of my children upon my death with my grandparents being the overseers in this decision. I've looked into setting up a trust, naming beneficiaries, estate planning and a few other options and there just doesn't seem to be a way to set thing up exactly the way I want it. There's always a lope hole or something that would give the children guardian or the trustee more power over the money then I would like. Also I don't want to be locked into a trust.... especially if I decide to take out a new policy down the road. Any suggestions would be appreciated... I'm also not too legal savvy so exact instructions on how to go about everything would be nice... :P
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Please help!! Need advice on Life Insurance!!?
I recently took out a 500K Term Life Insurance policy through my Insurance company. I have it set up so that my children are my beneficiaries, but I'm looking to set up something that's a bit more secure and would like to know how I can do this without having to pay outrageous lawyer fees. What I would like to see happen is have it set up in my will that $100k will be left to each my three children in separate saving accounts that are court protected until they are 25 , then they money will be turned over to them. I would also like $50K to be left in an emergency fund that is also court protected with all the kids names on it, this money can only be used in emergency situations to help support the children. Another $70K would be used to pay off my debt and burial funeral costs. After everything has been taken care of the remainder would be left to the guardian of my children..... I would like to have it set up that the guardian be determined based on the best interest of my children upon my death with my grandparents being the overseers in this decision. I've looked into setting up a trust, naming beneficiaries, estate planning and a few other options and there just doesn't seem to be a way to set thing up exactly the way I want it. There's always a lope hole or something that would give the children guardian or the trustee more power over the money then I would like. Also I don't want to be locked into a trust.... especially if I decide to take out a new policy down the road. Any suggestions would be appreciated... I'm also not too legal savvy so exact instructions on how to go about everything would be nice... :P
I suggest that you visit this website where you can compare quotes from the best companies: http://COVERAGEDEALS.NET
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Please help!! Need advice on Life Insurance!!?
I recently took out a 500K Term Life Insurance policy through my Insurance company. I have it set up so that my children are my beneficiaries, but I'm looking to set up something that's a bit more secure and would like to know how I can do this without having to pay outrageous lawyer fees. What I would like to see happen is have it set up in my will that $100k will be left to each my three children in separate saving accounts that are court protected until they are 25 , then they money will be turned over to them. I would also like $50K to be left in an emergency fund that is also court protected with all the kids names on it, this money can only be used in emergency situations to help support the children. Another $70K would be used to pay off my debt and burial funeral costs. After everything has been taken care of the remainder would be left to the guardian of my children..... I would like to have it set up that the guardian be determined based on the best interest of my children upon my death with my grandparents being the overseers in this decision. I've looked into setting up a trust, naming beneficiaries, estate planning and a few other options and there just doesn't seem to be a way to set thing up exactly the way I want it. There's always a lope hole or something that would give the children guardian or the trustee more power over the money then I would like. Also I don't want to be locked into a trust.... especially if I decide to take out a new policy down the road. Any suggestions would be appreciated... I'm also not too legal savvy so exact instructions on how to go about everything would be nice... :P
I suggest that you visit this website where you can compare quotes from the best companies: http://COVERAGEDEALS.NET