Supercharge your business With complimentary estate planning!
As customers experience one of these events, they’ll need life insurance and an estate plan
Thatʼs where Ethos comes in. Every person will encounter major life events that call for an estate plan, or an update to an existing one. That means everyone can benefit.
Borrowing
Getting married
Having a child
Buying a home
Retirement
End-of-life planning
Would it make sense to leave money behind for your family without any direction
Legal/Probate avoidance (FREE LIVING TRUST)
Nearly 40% of eligible policyholders who don’t have a will in place plan to create one in the next 12 months.
360 protection with ETHOS
Loss of live or loss of income (ETHOS TERM WITH LIVING BENEFITS)
Protection against capital gains tax or Market Loss (ETHOS IUL)
Estate planning should be a core part of every person’s financial wellness journey
It enables greater enjoyment of life
It helps people feel more secure in their financial future
It helps people understand their financial obligations Estate planning can help customers build a fuller picture of current and future obligations in a guided manner.
Estate planning can give customers confidence to make choices knowing that their loved ones are provided for
Estate planning can help customers gain insight into their financial future (and their impact on their loved onesʼ financial futures).
We can help you make estate planning accessible to your customers in a comprehensive, yet simple, manner
We educate on the value of an estate plan (and the importance at any wealth level).
“I havenʼt gotten around to it.”
We provide an easy, step-by-step process to help them get started.
“I donʼt know how to get an estate plan.”
We provide this service at no cost to your customers.
“Itʼs too expensive to set up an estate plan.”
Ethos estate planning tools are available at no additional cost to eligible policyholders (a $898 value)*
*Estate planning tools are available under the Perks benefit issued with eligible policies sold through Ethos. Policies issued in SC, SD, and WA are not eligible to receive the Ethos Estate Planning perk. Estate planning documents may not be available in all states.
Who qualifies for estate planning tools?
All eligible clients will have access to estate planning tools within their portal
Estate planning tools can’t be sold as standalone products. Tools are available upon policy activation for eligible life insurance policy owners when purchased through Ethos. Policies issued in SC, SD, and WA are not eligible to receive the Ethos Estate Planning perk. Estate planning documents may not be available in all states.
Provide your clients’ families with more peace of mind
When your client activates any eligible life insurance policy, including Whole Life and Final Expense, they will get access to digital estate planning tools. Provide clients with even more coverage and no additional work!
Your client will have complimentary access to:
Legal Will
Living trust
Power of attorney Hands temporary financial decision-making authority to a trusted person if someone becomes incapacitated
Determines how assets are distributed, who will care for dependents, and who will manage the logistics of those decisions
Distributes money over time and allocates funds to specific needs, like education and housing
Medical consent
Healthcare directive
Specifies what medical actions should be taken in the event someone is no longer able to make decisions due to illness or incapacity
Provides instructions to a caregiver for a dependentʼs medical emergencies
PRODUCT OVERVIEW
Legal Will Make a basic plan for your assets and your heirs.
Inheritance Include or exclude anyone receiving your wealth
Guardians Designate guardians for your children and pets
Executor Choose a trusted individual to settle your debts and distribute your wealth
Real estate & key valuables Leave specific gifts to specific people
Ethos offers no-cost access to estate planning, a high-value benefit that other providers charge hundreds of dollars for
Traditional Lawyers
Ethos offering
Value
ESTATE PLAN PRICE
$0
$898+
$2,500+
$599+
$279+
One-time legal fee with limited or no changes included
Get full estate planning bundle at no cost
Unlimited changes available indenfinitely
Year one pricing Renewals at $39 per year
Pricing includes one year of changes and auto renews at a bundled price of $120 per year
TERMS
Supercharge your business with free will & trusts
Retain your customers
Differentiate your customers
Grow your business
Take advantage of our free estate planning available for you and your client’s
Estate planning guide for your clients
Estate planning email template
How to use estate planning to grow your business Most consumers don’t know they can create a legal will at no additional cost. Here’s how to bring it up.
Include it in your sales scripts. Share this valuable perk with all eligible new clients.
Re-engage someone who got a decision but didn’t activate a policy. Use estate planning as another reason to reach out and ultimately convert these customers.
Get referrals from existing policyholders. Ask existing policyholders with access to Ethos estate planning tools if they can refer friends and family.
Improve retention by supporting them through more life needs. For customers who are going to lapse, use estate planning as a differentiator to ensure they feel supported through multiple life events.
Reach out to policyholders with expiring terms. If someone’s term is close to expiring, give them a reason to renew by creating a legal will and trust.
Provide support for major life events. Use major life events, like buying a house or having a child, to pitch the combination of life insurance and estate planning.
Your clients can activate their estate planning in their portal
Your clients will receive email communications to download their will & trust documents
What your client sees when they access their estate planning tools
What your client sees when they access their estate planning tools
Questions to ask about estate planning You know how to sell life insurance. Here are some conversation starters for estate planning.
Have you created or updated a will or trust in the last three years? Don’t have a will or trust? We recommend everyone have a will at minimum because it allows you to decide who’ll receive what you own when you pass away. It also designates guardians for your children should you pass away when they’re minors. If you don't have a will in place, the state you reside in will determine how your property is divided and who takes care of your children.
Already created one? We recommend that our customers update their will after any major life event—large purchase, dependents turning 18, the birth of a child—or every three years, whichever comes first.
Beyond a will, have you thought about other important estate planning products? Living trust Do you want to provide all of your assets as a lump sum to your heirs when you pass away, or do you want some assets to be for specific things (like college) or distributed over time?
Medical consent Have you written down your wishes in case you become medically incapacitated?
Power of attorney Have you and your spouse created a power of attorney agreement to allow someone to make decisions on your behalf in case you aren’t around or are incapacitated?
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