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
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Would it make sense to l eave money behind for your family without any direction?
Legal/Probate avoidance (FREE LIVING TRUST)
Nearly 40% of eligible policyholders who donʼt have a will in place plan to create one in the next 12 months.
360 protection with ETHOS
Loss of life or loss of income (ETHOS TERM WITH LIVING BENEFITS)
Protection against capital gains tax or Market Loss (ETHOS IUL)
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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).
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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.”
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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 dependentʼs 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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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
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Most consumers don’t know they can create a legal will at no additional cost. Here’s how to bring it up. How to use estate planning to grow your business
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.
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You know how to sell life insurance. Here are some conversation starters for estate planning. Questions to ask about 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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Client one-pagers Tell your clients about Ethos Estate Planning!
● ●
Estate planning one-pager
Estate planning one-pager (Spanish)
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Access commonly asked questions in our Help Center
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How clients set up their estate planning
Here’s an overview on what your client sees when they access their estate planning tools
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Your clients can activate their estate planning after activating a Ethos policy in their portal
Your clientʼs can log in with the same email address associated with their policy. Theyʼll be sent a verification code to their email.
Before getting started, clients will be prompted to create an account
Step 1: Enter mobile phone number and check both boxes
Step 2: Enter code that was sent
Step 3: Add first and last name
Step 4: Add email address
The estate planning dashboard where clients can begin completing their documents
Client’s will also have the option to generate a link for their spouse to create their estate planning documents
All they need to do is enter their spouseʼs email address and click “Generate link”.
Once they share the link with their spouse, the spouse will create their own account to access their documents.
Setting up a Legal Will
Once all sections are completed, clients will be instructed to print, sign, and notarize their Legal Will. (Requirements may vary by state)
Follow the prompts and add heirs, executors, and guardians to the pets, valuables, and real estate.
First set up the Legal Will. Clients will be asked to start with some basic information.
Here are helpful videos that your clients will also see along the way:
● What do I need a Legal Will? ● What are heirs? ● What are executors? ● Designating a guardian ● Adding your valuables ● Finalizing your Legal Will
Setting up a Trust
Once all sections are completed, clients will be instructed to print, sign, and notarize their Trust. (Requirements may vary by state)
Second, set up the Trust. Clients will be asked to start with some basic information.
Follow the prompts and add the trustees and heirs to the Trust.
Here are helpful videos that your clients will also see along the way:
● What do I need a Trust? ● What are trustees? ● Adding heirs to the Trust ● Funding the Trust ● Trust + pour over Legal Will
Your clients will receive email communications to download their will & trust documents
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Power of Attorney, healthcare directive, and medical consent This is where the client will add an Attorney in Fact (someone they trust to make important decisions), the powers they grant, and any special instructions. This is where the client will add basic information, an agent (someone they trust to make medical decisions), and the their wishes. This Is where the client will authorize another adult to make medical decisions regarding a child when they are not around.
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