The type of trust that protects your assets is an irrevocable trust. An irrevocable trust does not allow you to pull money back out of a trust to use on whatever you want. You have essentially already given it away. Because you gave it away, it isn't yours, and your creditors can't take it from you. On the other hand, you can pull assets out of a revocable trust any time you like, and the court will expect you to do so if you are successfully sued for more than your policy limits and the award is not reduced on appeal.
