Estate Planning
For agent use only. 202510ETH-2967
© 2025 Ethos Technologies Inc. (""Ethos"") Ethos operates in some states as Ethos Life Insurance Services. CA license #0L28949; AR license #100164629. Ethos offers policies issued by the carriers listed at Our Life Insurance Carriers | Ethos Life . Products and their features may not be available in all states. Ethos provides its online wills, trusts, and estate planning documents and services through Ethos Estate Planning, LLC, a wholly-owned subsidiary. Ethos Estate Planning, LLC is not a law firm and does not provide financial, investment, legal, accounting or tax advice. Complimentary W&T services offered through the perks rider not available in WA and SD; W&T services not available in AK and LA.
For Agent Use Only
That’s 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. As customers experience one of these events, they’ll need life insurance and an estate plan
Borrowing
Getting married
Having a child
Buying a home
Retirement
End-of-life planning
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For Agent Use Only
Estate planning should be a core part of every person’s financial wellness journey
It enables greater enjoyment of life Estate planning can give
It helps people feel more secure in their financial future Estate planning can help customers gain insight into their financial future (and their impact on their loved ones’ financial futures).
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.
customers confidence to make choices knowing that their loved ones are provided for
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For Agent Use Only
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 haven’t gotten around to it.”
We provide an easy, step-by-step process to help them get started.
“I don’t know how to get an estate plan.”
We provide this service at no cost to your customers.
“It’s too expensive to set up an estate plan.”
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For Agent Use Only
Ethos estate planning tools are available at no additional cost to eligible policyholders (a $898 value)*
Clients will get 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 dependent’s medical emergencies
*Estate planning tools are available under the Perks benefit issued with eligible policies sold through Ethos. Policies issued in SD, WA, AK, and LA are not eligible to receive the Ethos Estate Planning perk.
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For Agent Use Only
Ethos offers no-cost access to estate planning A high-value benefit that other providers charge hundreds of dollars for*
Traditional lawyers
$898+ $0
Estate plan price
$2,500+
$499+
$249+
Terms
Get full estate planning bundle at no cost. Unlimited changes available for as long as the policy is active.
One-time legal fee with limited or no changes included
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
*Estate planning tools are available under the Perks benefit issued with eligible policies sold through Ethos. Policies issued in SD, WA, AK, and LA are not eligible to receive the Ethos Estate Planning perk.
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For Agent Use Only
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.
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.
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.
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.
Get referrals from existing policyholders. Ask existing policyholders with access to Ethos estate planning tools if they can refer friends and family.
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For Agent Use Only
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?
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?
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.
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For Agent Use Only
Client one-pagers
Tell your clients about Ethos Estate Planning!
English
Spanish
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For Agent Use Only
Access commonly asked questions in our Help Center
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For Agent Use Only
This demo walkthrough shows how clients can easily set up their estate planning through our platform
Click on the demo to share this link and help clients get started!
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For Agent Use Only
Clients will also receive email communications to download their will & trust documents
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