My daughter and son-in-law recently attended a sales presentation at La Belle Maison and were told that when they inherit my VIP Gold account contracts, that they would not get the perks. I was told that they would as long as only one child inherited all the contracts. My wife and I own the contracts jointly so I guess we both have to die before any inheriting occurs. I keep reading in various threads references to LLC's and Trusts. What's the deal? Any advantages to LLC's or Trusts?? Any extra trouble or expense?