Life Changes? Time to Level Up Your Family Protection Game
Let’s talk about those big life moments that make us realize we’re officially “adulting.” You know, like when you bought your first house and suddenly found yourself watching YouTube videos about lawn care? Well, these same life changes are usually your signal to get serious about estate planning. And I’ve got some amazing news about how you can get it for free!
Those “Oh Wait, I Should Probably…” Moments
Remember how getting married made you finally create a joint bank account? Or how having a baby made you obsess over baby-proofing everything? Well, these life changes should also trigger your “estate planning radar.” Let’s break down why.
The New Homeowner
Congratulations! You’ve just signed up for a 30-year relationship with a mortgage. But here’s what most people don’t think about: what happens to that mortgage if something happens to you? With Ethos’s free estate planning tools (included with their life insurance policies), you can make sure your family keeps the roof over their heads, no matter what.
The New Parent
Between diaper changes and midnight feedings, estate planning might be the last thing on your mind. But think about this: who would take care of your little one if you couldn’t? With proper estate planning (which you can now get for free!), you get to make that choice, not the courts.
The Newlyweds
Just tied the knot? Awesome! But here’s something they don’t mention in those wedding planning checklists: marriage doesn’t automatically give your spouse all the legal rights you might think it does. And if you’re not married but living together? You definitely need this.
The “Everything in One Place” Solution
Here’s the game-changer: Ethos is now offering complete estate planning tools (worth $898) for free with their life insurance policies. Think of it like getting a free home security system with your homeowner’s insurance – it just makes sense!
What’s Actually Included (And Why You Need It)
Let’s break down what you get (and why it matters):
Legal Will
Think of this as your family’s instruction manual. It answers questions like:
- Who gets what?
- Who takes care of the kids?
- Who makes sure all this actually happens?
Power of Attorney
This is like giving someone your spare house key, but for your finances. If you can’t make decisions (temporarily or long-term), someone you trust can step in and:
- Pay your mortgage
- Handle your bills
- Manage your investments
Living Trust
Consider this your family’s financial autopilot. It can:
- Pay for your kids’ education
- Keep the mortgage payments going
- Make sure money is used exactly as you intended
Medical Consent
This is crucial if you have kids. It lets their caregiver make medical decisions if you’re not available. Think about it: do you want your babysitter stuck in an emergency room unable to authorize treatment?
Healthcare Directive
Your medical GPS – it tells everyone exactly what medical care you want (or don’t want) if you can’t speak for yourself.
Making It Happen: The Easy Way
Ready for the best part? Getting all this set up is surprisingly simple:
- Get your life insurance policy through Ethos
- Log into your dashboard once the policy is active
- Follow their guided process to create your documents
No lawyers. No complicated forms. No extra fees.
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