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If you are well under the estate tax exemption amount then having a revocable trust to hold life insurance purposes its one of the best tools you can have as it provides the most flexibility and you will not have to pay estate tax in the first place.
One major disadvantage is that they can be complicated and expensive to set up. Although the idea of avoiding probate costs is attractive, its important to realize that trusts come with their own costs, including legal fees and compensation for the trustee, if needed.
Revocable, or living, trusts can be modified after they are created. Revocable trusts are easier to set up than irrevocable trusts. Irrevocable trusts cannot be modified after they are created, or at least they are very difficult to modify. Irrevocable trusts offer tax-shelter benefits that revocable trusts do not.
A revocable trust can be changed at any time by the grantor during their lifetime, as long as they are competent. An irrevocable trust usually cant be changed without a court order or the approval of all the trusts beneficiaries. This makes an irrevocable trust less flexible.
Some of the Cons of a Revocable Trust Shifting assets into a revocable trust wont save income or estate taxes. No asset protection. Although assets held in an irrevocable trust are generally beyond the docHub of creditors, thats not true with a revocable trust.

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Revocable, or living, trusts can be modified after they are created. Revocable trusts are easier to set up than irrevocable trusts. Irrevocable trusts cannot be modified after they are created, or at least they are very difficult to modify. Irrevocable trusts offer tax-shelter benefits that revocable trusts do not.
The downside to irrevocable trusts is that you cant change them. And you cant act as your own trustee either. Once the trust is set up and the assets are transferred, you no longer have control over them.
An Irrevocable Trust means you can protect yourself, your loved ones and your estate against future legal action. It also means you can protect the financial future of your estate by avoiding substantial estate taxes.
With that said, revocable trusts, irrevocable trusts, and asset protection trusts are among some of the most common types to consider.
And what happens when it ends? A trust usually ends under legal and complete circumstances. After the grantor passes away, the trustee handles the property and assets of the grantor, and the assets are transferred to the beneficiary (or beneficiaries) under the terms dictated in the trust by the grantor.

Related links

Revocable living trust | Wex - Law.Cornell.Edu

A revocable living trust is a trust set up during the settlors life, where the settlor reserves the right to end the trust and recover the trust assets.

Learn more
How Do Trust Funds Pay Out? - Gen Y Planning

Mar 14, 2019 Revocable trusts allow the grantor to keep control over the assets in the trust and change beneficiaries. They can even undo the trust entirely!

Learn more
RCW 11.103.030: Revocation or amendment. - WA.gov

(a) To the extent the trust consists of community property, the trust may be revoked by either spouse or either domestic partner acting alone but may be

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