FAQ: LifeLock Will Plan

The Will Plan offers a guided process to help you create a personalized Last Will and Testament and other essential estate planning documents. These documents are designed by legal experts and are ready to sign. Your Estate Inventory is conveniently prefilled with information LifeLock already monitors to help protect your accounts and assets, ensuring you don't start from an empty document.

The Will Plan provides several key documents, including:

• Last Will and Testament
• Financial Power of Attorney
• Healthcare Power of Attorney
• Advance Directive
• HIPAA Authorization
• Estate Inventory
• Will Signing Guide

• Last Will and Testament: Specifies who receives your assets, who raises your minor children, who settles your estate, and the age at which minor beneficiaries receive their inheritance.
• Financial Power of Attorney: Designates who manage your money and property if you become unable to.
• Healthcare Power of Attorney: Names the person who will make medical decisions if you cannot make them yourself.
• Advance Directive: Outlines your preferences regarding end-of-life care and organ donation.
• HIPAA Authorization: Grants permission for specific individuals to receive your medical information from your providers.
• Estate Inventory: Serves as a reference list of the assets you included for the person settling your estate.
• Will Signing Guide: Offers step-by-step instructions for signing and notarization tailored to your state.

The Will Plan generally covers essential estate planning needs, allowing you to name a guardian for your children, establish healthcare and financial directives, and determine who receives your assets. The Trust Plan includes all components of the Will Plan and adds a Revocable Living Trust. This provides additional control over the timing and method of asset distribution to beneficiaries, offers privacy, and can help your family avoid probate. If you own a home or significant assets, the Trust Plan may be more suitable. It is important to note that Support cannot recommend a specific plan for your individual situation; for guidance, you should consult an attorney.

Wills are individual legal documents, requiring each person to create their own. For a single document covering both spouses, the Joint Trust included in the Trust Plan would be the appropriate option.

Passing a business through an estate plan is not supported by either the Will Plan or the Trust Plan. If you own a business, it is advised to work with an attorney separately to address this matter.

This plan does not cover mineral and royalty interests.

To be eligible for Estate Planning, you must have an active and eligible LifeLock or Norton 360 with LifeLock plan. Currently, eligible LifeLock plans include Standard, Advantage, Ultimate Plus, Core, Advanced, and Total. Eligible Norton 360 with LifeLock plans include Select, Select Plus, Advantage, and Ultimate Plus. Both individual and family versions of these plans are supported. If you are uncertain about your plan's eligibility, please Contact Member Services & Support.

The following accounts are not eligible for Estate Planning:

• Employee Benefit and partner accounts
• LifeLock Add a Member accounts
• Accounts or residences located outside the United States
• Secondary members on a plan (only the primary member can purchase)

Estate Planning is currently available exclusively in Texas and California, with plans for availability in more states over time. You will confirm your state during checkout and again at the beginning of the guided process. If your state is not yet supported, a message will indicate future availability and provide an option to Contact Member Services & Support.

While your workplace benefit might offer LifeLock protection, Estate Planning is not currently available for Employee Benefit or partner account types. Eligibility is determined by the specific product setup and purchase path designated for this feature, rather than the overall value of your account. Contact Member Services & Support to verify your account type and discuss your available options.

The Estate Planning option will only appear on your dashboard if your account meets the current eligibility requirements. Contact Member Services & Support to review your account type, status, and plan details to clarify why it may not be visible.

Estate planning documents must be created directly by the individual whose estate plan is being prepared, utilizing their personal information and choices. If another person is an eligible member, they can complete the process for themselves.

Only the primary member of an eligible plan is authorized to purchase Estate Planning. Secondary members on a family plan are unable to purchase a Will or a Trust, even though their plan covers them for other LifeLock features.

The Will Plan costs $199.99 for the initial year, which covers unlimited edits during that period. Following the first year, an annual fee of $49.99 maintains your plan's current status.

The annual fee of $49.99 after the first year includes:

• Unlimited ongoing edits to your documents
• Digital download access to all your legal documents
• Product support

Estate Planning is not included as part of your standard LifeLock plan. It is a separate purchase offered to eligible LifeLock members. Contact Member Services & Support to review your account to confirm availability and clarify the pricing before you decide to proceed with a purchase.

Upgrading from the Will Plan to the Trust Plan is currently managed through customer support, rather than directly within the product. It is important to note that downgrading from the Trust Plan to the Will Plan is not supported.

Refunds for the Will Plan adhere to the standard LifeLock policy. Please Contact Member Services & Support to discuss your specific situation.

To create your Will, sign in to your LifeLock account and access Estate Planning from your dashboard. You will need to confirm your legal name and primary address. Proceed through the guided sections, which include About You, Personal & Family, Guardians, Assets, Beneficiaries, Executor & Powers of Attorney, and Healthcare. After reviewing each section summary, you can generate and download your documents, then follow the provided Will Signing Guide.

Most individuals can complete the guided process within 15 to 25 minutes. Your progress is automatically saved, allowing you to complete it in one session or over multiple shorter periods.

The prefill feature automatically creates your Estate Inventory using information from your existing linked accounts, which are assets and data LifeLock currently monitors. You are responsible for reviewing this information, correcting any inaccuracies, and adding any missing details. While prefill populates your existing assets, it does not determine beneficiaries. All decisions regarding your plan remain yours.

If an account is missing from the prefill, you should add it manually within the builder. A missing account typically indicates that it is not linked to financial monitoring. You have the option to link it in your LifeLock settings to ensure it remains current for future updates.

Your Will requires identification by your full legal name. Your primary address is used to determine which state specific rules will govern the creation of your documents. Additionally, witness and notarization requirements are subject to variation depending on the state.

Your relationship status influences who is eligible to inherit and who is automatically included in your Will. It also dictates the specific version of documents you receive, as marital property rules vary from state to state.

Details about your children are crucial for two significant decisions in your Will: the nomination of guardians and the distribution of inheritance. Information about parentage helps distinguish between children shared with a spouse and those from a prior relationship, impacting the construction of your documents.

Providing full account numbers is not necessary. Only the financial institution and the last four digits of the account number are required.

You can add various asset types, including:  

• Real estate (residential, commercial, land, or other)
• Accounts (checking, savings, or investment)
• Life insurance (term, whole, universal, group, or other)
• Vehicles (cars, boats, planes, or other)
• Other property (such as heirlooms, jewelry, or artwork)

There is no restriction on the number of primary or contingent beneficiaries you can name. However, the total shares allocated to primary beneficiaries must always be equal to 100%.

You may name one primary executor and one backup executor. For guardians, you can nominate up to two guardians - one primary and one backup.

You have the ability to specify the age at which minor beneficiaries receive their inheritance. The default age is 25, with a permissible range between 18 and 35. Until the specified age, the funds will be managed on the beneficiary's behalf and utilized for their benefit.

If a beneficiary predeceases you, your contingent beneficiary designation will determine the outcome. By default, if the deceased beneficiary had children, their share will pass down to those children. Alternatively, you can specify that the shares be divided among your surviving beneficiaries, directed to a particular alternate person, or given to a charity.

The choice of whom to name your executor, guardian, or agent is entirely yours. While support can provide an explanation of each role's responsibilities, they cannot offer advice on specific individuals to nominate. For personalized guidance tailored to your situation, it is advisable to consult an attorney.

A guardian nomination becomes effective only if both legal parents are deceased or are otherwise unable to serve in that role. If you pass away and your child's other legal parent is alive and capable, that parent will continue to raise your child.

For contextual understanding, individuals frequently named as guardians include a sibling, a close family friend, a grandparent, or a couple named jointly. This information serves as a description of common choices, not a recommendation. The ultimate decision rests with you, and support cannot advise on the suitability of any specific person.

You may nominate up to two guardians - one primary and one backup.

Your Financial Power of Attorney effective date varies by state and may depend on the specific language you select. Review the documents carefully and consult an attorney or your state's bar association for information about how these documents operate under your state's law.

Your Healthcare Power of Attorney effective date varies by state and may depend on the specific language you select. Review the documents carefully and consult an attorney or your state's bar association for information about how these documents operate under your state's law.

Decision-making authority and access to information are legally separate concepts. Federal privacy law imposes restrictions on who your doctors can communicate with. Therefore, a HIPAA Authorization is necessary to ensure your healthcare agent can access the required medical information to make informed decisions on your behalf.

Your Advance Directive applies under specific, narrow circumstances. These include having a terminal condition, being permanently unconscious, or being otherwise unable to communicate and not expected to recover. It is not applicable to routine care, treatable illnesses, or temporary incapacitation.

Stepchildren can be included by indicating their relationship when you add them as children. Any child added is automatically included as a beneficiary. There is no feature to list a child and then exclude them, meaning the choice is whether to add them to the plan in the first place.

The current plan does not provide an option for disinheritance. If your intention is to exclude a particular person from inheriting, it is necessary to consult an attorney, as such a request requires specific legal drafting.

The document is not valid without proper notarization. You must schedule an appointment with a notary public to ensure the document is appropriately witnessed and stamped.

Download your documents from your LifeLock account.

• Carefully review each page for accuracy.
• Print the complete document set on standard letter paper.
• Arrange for witnesses and schedule an appointment with a notary public.
• Sign the documents in the presence of your witnesses and the notary, adhering to the order specified in your Will Signing Guide.
• Store the signed originals securely and inform relevant individuals about their location.

The number of witnesses required varies by state. Your Will Signing Guide is specifically tailored to your state's requirements, so you should follow its instructions rather than relying on general figures.

Your signing guide specifies the witness requirements for your particular state. Generally, witnesses should be adults who are physically present to observe your signing. It is typically advisable to avoid using individuals who are beneficiaries, related to beneficiaries, your executor, or your spouse as witnesses.

Notary publics can be found at various locations, including your bank or credit union, shipping and business service centers, law offices, title companies, some libraries, and municipal offices. Mobile notaries are available to travel to your location, and online notarization may be an option if permitted in your state. Fees for notary services differ by state and provider, so it's recommended to confirm these when scheduling your appointment.

Blank lines for the date, witness names, and notary details are intentionally included in your documents. These sections are meant to be completed by hand on the day of signing. Your signing guide will specify which of these blanks you are responsible for filling out and which the notary will complete.

Wills are typically filed with the probate court only after your death, not during your lifetime. However, some states do offer an optional lifetime registration service. Your signing guide provides details on what applies in your specific state.

To update your Will, sign in to your LifeLock account and access the Estate Planning section. You can then edit the specific sections that require changes, as your existing answers are preserved. After making edits, regenerate your documents, review them, and then print and re-execute them according to the provided instructions. It is important to destroy your previously signed originals. Please note that merely editing within the builder does not alter your legal documents; your previously signed documents remain legally binding until the updated versions are re-executed.

The requirements for signing, witnessing, and notarization can differ based on the document type, state, and nature of the change you are making. Always follow the specific instructions that come with your updated documents. If you have any uncertainties, it is advisable to confirm the requirements with a licensed attorney or an authorized notary.

Executing a new Will explicitly revokes all prior Wills. Therefore, it is important to destroy any old copies once the new version has been properly executed.

Following a major life event, you should update beneficiaries, guardians, and other designations within the document builder, and then re-execute your documents. Significant life changes that often prompt updates include marriage, divorce, the birth or adoption of a child, a death in the family, the purchase or sale of a home, and relocating to a different state.

Relocating to another state can impact estate planning requirements. LifeLock support cannot determine the continued validity of your existing documents after a move. It is recommended to update your address in the document builder, regenerate your documents, and then re-execute them. For definitive guidance on whether additional updates are necessary, consult with a licensed attorney in your new state.

Estate laws are subject to change, making it essential to keep your plan current. The LifeLock product is designed to accommodate state-specific template updates and may provide guidance when an update becomes necessary. You should review your plan periodically and seek legal advice if you have concerns about any changes in the law.

Your plan is always accessible within your LifeLock account, allowing you to make unlimited edits whenever your circumstances change.

The estate plan is housed within the same secure LifeLock environment that has protected members' identities and accounts for over two decades. This environment is monitored continuously around the clock.

LifeLock Customer Support agents are unable to view or access your sensitive estate planning information.

Family members or beneficiaries cannot currently view your plan directly. While sharing and trusted-contact features may be introduced in the future, if you wish someone to have a copy, you must provide it to them personally and inform them where the signed original documents are stored.

You should download, sign, and securely store your documents. It is important to inform the individuals who will need access, such as your executor, guardian, and healthcare agent, where to find the original copies.

An executor may contact LifeLock; however, we are required to verify the caller's authority and follow the established deceased-member process. Depending on the specific request, the caller might need to submit documentation such as a death certificate and estate paperwork before any action can be taken.

A power of attorney request must adhere to the approved POA process, which includes specific verification and documentation requirements. If the member is deceased, a power of attorney may no longer be considered valid for managing the member's information, and in such cases, the deceased-member process will apply instead.

Only you, or a properly authorized and verified representative, are permitted to make allowed changes, subject to account access, documentation, and product rules. Family members should not make alterations to someone else's estate plan unless they possess appropriate legal authority and have been verified through the approved process.

If you suspect that your account or documents may have been accessed without permission, please Contact Member Services & Support. The immediate priority is to secure the account, and we will follow the approved account compromise and privacy request process.

You should download and securely store your completed documents by following the instructions provided within the product experience. Access to ongoing features, such as in-product storage, editing capabilities, and document regeneration, may depend on the specific product terms and your active membership status.

Your documents are designed by legal experts and are ready for you to sign. To make them legally binding, you must sign and notarize them according to the step-by-step instructions we provide. Most people will not need a separate lawyer, and our team is available to help you navigate the tools. However, for guidance regarding your specific legal situation, you should consult an attorney.

Support personnel are unable to provide legal advice. They can explain how the Estate Planning experience works, describe what the documents achieve, and outline the steps recommended by the product. Support cannot offer legal advice, suggest a plan tailored to your situation, advise you on who to name in any role, interpret your documents, guarantee a legal outcome, or answer tax-related questions.

Many individuals successfully use the guided process without legal counsel. However, we recommend that you consult a licensed attorney in your state if you have any questions about whether these documents are appropriate for your circumstances or if you wish to discuss your situation with legal counsel before signing.

The product is designed to assist you in creating ready-to-sign documents developed by legal experts. Despite this, we cannot guarantee a specific legal outcome or provide legal interpretation. If you seek additional confidence, especially for a complex situation, you might consider having a licensed attorney review your completed documents before signing them.

Beneficiaries do have the ability to raise challenges to estate planning documents. Support cannot predict the outcomes of such challenges or assess the strength of a potential claim. If you have concerns about a particular person or situation, it is advisable to discuss this with an attorney.

Certain assets do not transfer via your Will. For example:

• Retirement accounts, such as a 401(k) or IRA, pass to the beneficiary named with the plan provider.
• Life insurance pays out to the beneficiary designated on the policy.
• Payable-on-death and transfer-on-death accounts are transferred to the named person.
• Jointly titled property with rights of survivorship passes to the surviving co-owner.

It is important to review the beneficiary designation on these accounts with each respective provider to ensure they accurately reflect your current wishes.