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https://en.wikipedia.org/wiki/Trust_law
An owner placing property into trust turns over part of their bundle of rights to the trustee, separating the property's legal ownership and control from its equitable ownership and benefits
https://en.wikipedia.org/wiki/Bankruptcy
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https://en.wikipedia.org/wiki/Probate
It is possible to get a professional executor to renounce their role, meaning they will have no part in dealing with the estate; or to reserve their power, which means the remaining executors will carry out the related duties, but without the involvement of the professional executor
https://en.wikipedia.org/wiki/Power_of_attorney
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https://www.uscourts.gov/services-forms/bankruptcy
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https://en.wikipedia.org/wiki/Estate_planning
However, if the decedent holds any incidents of ownership like the ability to remove or change a beneficiary, the proceeds will be treated as part of the decedent's estate and general
https://www.irs.gov/businesses/small-businesses-self-employed/estate-tax
It consists of an accounting of everything you own or have certain interests in at the date of death (Refer to Form 706 PDF)
Sites: en.wikipedia.org (5) · www.uscourts.gov (1) · www.irs.gov (1)