Planning
Wills & Trusts
Decide who receives what, name guardians for your children, and spare your family a long court process. Select life insurance policies include a will and trust at no extra cost.
At a glance
- A will
- Names heirs and guardians
- A living trust
- Can help avoid probate
- Life insurance
- Passes by beneficiary
- With select policies
- Included at no extra cost
Will or trust?
A will says who receives your property and who will care for your minor children. It usually goes through probate, a court process that can take months and becomes public record.
A revocable living trust holds your property while you're alive and passes it to your beneficiaries without probate. You stay in control and can change it at any time.
Many families use both: a trust for the home and savings, and a simple will to catch anything left outside the trust.
Who needs one
- Parents of children under 18
- Homeowners
- Anyone with savings, a business, or property in more than one state
- Anyone who wants to decide who receives what
Good to know
- Life insurance and retirement accounts pass by beneficiary designation, not by your will, so keep your beneficiaries up to date.
- Select life insurance policies include access to a will and trust at no extra cost. Ask us on your call which options qualify.
- For large or complex estates, we recommend working with an estate planning attorney.
- We're licensed insurance agents, not attorneys, and we don't give legal advice.
Ready to talk it through?
Book a free 15-minute call by phone or video. No obligation and no pressure.