Only wanna tell that this is very useful.Thanks for taking your time to write this.
我昨天特地问我老公那个是什么呢！ 因为我自己也不懂。 她说那个是活着的时候的资金分配， 其实和你妹关系啦！ 你想呀你老公活着你本来就不用担心的对吧？ 不知道你工作否， 反正他的钱怎么折腾也奔来就和你没关系。
I agreed with jixia. When the assets goes into LT, LT only affects the beneficiaries. It depends whose names are on the LT. It doesn't mean he doesn't trust you, because LT would also have some financial benefits while the beneficiaries are still alive, such as the tax benefits. Anyone can set up an LT though.