Prospect Wants his Young Kids As Bene...and They Live in Aruba.

Wanting to get some feedback on this situation. He wants about 500K and have his kids (both under 5) to be the bene's. I use TA for term and when I called them one of their UW's suggested he see a lawyer and create a trust...but she wasn't real sure on that. I'd appreciate any input if anyone has had any experience in a similar situation before.
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