FAQ: LifeLock Trust Plan

The Trust Plan is a guided experience that assists you in creating a Revocable Living Trust along with a comprehensive set of supporting estate planning documents. A revocable living trust is a legal arrangement that holds your assets during your lifetime and dictates how they are managed and distributed after your passing. While you are alive, you remain the grantor, trustee, and beneficiary of your own trust, meaning your day-to-day financial life remains unchanged; only the way title to your assets is held is modified.

The Trust Plan includes eleven essential documents:

• Revocable Living Trust
• Pour-Over Will
• Schedule of Assets
• Certification of Trust
• Trust Funding Guide
• Financial Power of Attorney
• Healthcare Power of Attorney
• Advance Directive
• HIPAA Authorization
• Estate Inventory
• Trust Signing Guide

• Revocable Living Trust: This is the core agreement that creates the trust, names your trustee and successor trustees, and identifies your beneficiaries, their shares, and how distributions will occur.
• Pour-Over Will: This serves as a safety net that directs any assets you did not transfer into the trust to be added to it after your death.
• Schedule of Assets: This is a blank form you complete yourself as you fund the trust, recording the assets it actually holds.
• Certification of Trust: A short summary proving the trust exists, intended for banks and brokerages, without disclosing your beneficiaries or detailed asset information.
• Trust Funding Guide: Offers step-by-step instructions for transferring each asset type into the trust.
• Financial Power of Attorney: Designates who manages your money and property outside the trust if you become unable to do so.
• Healthcare Power of Attorney: Appoints someone to make medical decisions on your behalf if you cannot.
• Advance Directive: Communicates your end-of-life care and organ donation wishes.
• HIPAA Authorization: Specifies who may receive your medical information.
• Estate Inventory: A reference list of the assets you have entered into the plan.
• Trust Signing Guide: Provides state-specific signing and notarization instructions.

As a general guideline, if you own a home or significant assets, consider the Trust Plan; otherwise, the Will Plan typically covers the essentials. The Will Plan allows you to name a guardian, set healthcare and financial directives, and decide who receives your assets. The Trust Plan includes everything offered in the Will Plan plus a Revocable Living Trust, which adds control over when and how beneficiaries receive assets, enhances privacy, and offers the ability to help your family avoid probate. Support personnel are unable to recommend a specific plan for your situation; for guidance, you should consult an attorney.

This Trust Plan is designed to create a revocable living trust document and supporting documents. If you have questions about whether a trust can address specific goals such as tax planning, creditor protection, or long-term care planning, or about what a trust can and cannot accomplish, consult a tax advisor or attorney in your state.

Passing a business through your estate plan is not supported in either the Will Plan or the Trust Plan. If you own a business, you should work with an attorney on that matter separately.

Mineral and royalty interests are not covered by this plan.

Trust requires two distinct steps. Signing and notarizing your trust makes the document legally valid. However, funding it—which involves transferring your assets into the trust's name—is what makes it actually work. An unfunded trust will not avoid probate for anything, because it holds no assets. Funding takes real effort over several weeks after you sign, and it is entirely your responsibility to complete. This is the single most common point of confusion with trusts and the most common reason one fails to deliver what someone expected.

You need an active, eligible LifeLock or Norton 360 with LifeLock plan to qualify for the Trust Plan. Eligibility currently includes:

• LifeLock Standard, Advantage, Ultimate Plus, Core, Advanced, and Total
• Norton 360 with LifeLock Select, Select Plus, Advantage, and Ultimate Plus

Individual and family versions of these plans are included. If you have any doubt whether your plan is supported, you should check with support.

The following plans are not eligible:

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

The Trust Plan is currently available only in Texas and California, with additional states expected to roll out over time. Your primary address determines which state rules govern your documents, including community property treatment, witness and notarization requirements, and homestead provisions. You will confirm your state at checkout and again at the start of the guided flow. If your state is not yet supported, you will see a message noting that estate planning is planned for release soon, with an option to Contact Member Services & Support.

While your workplace benefit may include LifeLock protection, Estate Planning is not currently available for Employee Benefit or partner account types. Eligibility is based on the product setup and purchase path available for this feature, not on the value of your account. Support can confirm your account type and review the options available to you today.

The dashboard option for Estate Planning appears only when your account meets the current eligibility requirements. Support can check your account type, status, and plan and explain why it may not appear.

Estate planning documents must be created by the specific person whose estate plan is being prepared, using their own information and making their own choices.
A Joint Trust is different: it is one document created through one eligible member's flow and signed by both spouses, which is not the same as buying a plan for someone else.

A separate purchase for a spouse to create their own trust is not supported. Only the primary member on an eligible plan can purchase Estate Planning, and secondary members on a family plan cannot purchase their own Will or Trust. However, a Joint Trust is supported: spouse information is collected in your flow, and both spouses sign the same trust document together, with each spouse also receiving their own individual pour-over will, powers of attorney, advance directive, and HIPAA authorization. This is how a couple can be covered through a single purchase.

The Trust Plan is priced at $299.99 for the initial year, which covers unlimited edits during that period. Following the first year, an annual fee of $49.99 maintains the currency of your plan.

The annual fee of $49.99 covers unlimited ongoing edits to your documents, provides digital download access to all your legal documents, and includes product support.

Funding costs are separate from the plan price and are paid directly to third parties such as banks, brokerages, title companies, county recorders, and notaries, not to LifeLock. These amounts vary depending on the provider, state, and county, so you should confirm each fee directly with the respective institution before proceeding.

Yes, upgrading from the Will Plan to the Trust Plan is processed through Contact Member Services & Support, as direct in-product upgrades are not currently available. Downgrading from the Trust Plan to the Will Plan is not supported.

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

You do not make a direct choice. Your trust type is automatically determined by the relationship status you provide in the guided flow: individuals who are single, divorced, or widowed will receive a Single Trust with one grantor, while married individuals will receive a Joint Trust with two grantors. There is no election option to make, and switching between these types is not possible.

A Single Trust involves one grantor who creates and owns the trust, with a designated successor trustee administering it after their passing. A Joint Trust, available for married couples, includes two grantors; both spouses create and own it together, serve as initial co-trustees, and sign a single document.

Each spouse receives their own individual documents, which is an important aspect of a Joint Trust. While the trust itself is one joint document signed by both, along with a shared Schedule of Assets, Certification of Trust, and Trust Funding Guide, each spouse individually obtains a Pour-Over Will, Financial Power of Attorney, Healthcare Power of Attorney, Advance Directive, and HIPAA Authorization. Assets can be held jointly, but medical and end-of-life decisions cannot be delegated between spouses in advance, thus necessitating individual documents for these matters.

Spouses can name different healthcare agents in a Joint Trust. Each spouse completes their own Healthcare Power of Attorney and designates their own agent and backup. You have the option to name each other or entirely different individuals. This flexibility also extends to your Financial Powers of Attorney and Advance Directives, where spouses often make differing choices, which is completely normal.

A Joint Trust holds assets in the trust's name and manages them according to your trust document. While both spouses are living, you typically serve as co-trustees with equal authority over trust management and decisions. If one spouse passes away, the surviving spouse usually becomes the sole trustee and continues managing the trust. Once both spouses have passed, your named successor trustee assumes control, manages the remaining assets, and distributes them per your instructions. Since joint trust administration can vary based on your specific document and circumstances, consult an attorney if you have questions about how your trust operates during your lifetime or after one spouse passes away.

Married individuals are provided with a Joint Trust; this product does not offer separate trusts for married couples as an alternative. If you have specific questions about whether a Joint Trust structure is appropriate for your circumstances, contact an attorney in your state before purchasing.

States such as Texas and California operate under community property laws, which impact how marital property is handled. Your documents are tailored to the state where you reside, so this aspect is managed automatically for you. You are not required to make any determination regarding the characterization of your property; you simply report how each asset is titled. If you wish to understand how community property rules specifically apply to your assets, that question should be directed to an attorney.

To create your Trust, first 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 by working through the guided sections, which include About You, Personal & Family, Guardians, Assets, Beneficiaries & Distributions, Trustees & Powers of Attorney, and Healthcare. After reviewing each section summary, you can generate your documents, download them, and follow your Trust Signing Guide.

Most members complete the guided plan building process within 20 to 35 minutes, with progress saving automatically. The subsequent funding stage, which occurs after signing, generally requires two to six weeks of intermittent effort, varying based on the number of assets being transferred.

The prefill feature automatically generates your Estate Inventory and Schedule of Assets by using information from your existing linked accounts that LifeLock monitors. You are able to review this information, make corrections if anything is inaccurate, and add any missing details. While prefill populates your existing assets, it does not determine beneficiary distributions. All decisions regarding your plan are ultimately yours.

If an account is missing from the prefill, you should add it manually within the builder. A common reason for a missing account is that it is not currently linked for financial monitoring. You can link the account in your LifeLock settings to ensure it is kept current for future updates.

Your full legal name is required to properly identify you in your trust documents. Your primary address is used to determine which state laws will govern your documents, which impacts aspects like community property treatment, witness and notarization requirements, and homestead provisions.

Information about your children is requested because it influences two key decisions in your plan: the nomination of a guardian and the inheritance distribution. Details about parentage help differentiate between children you share with a current spouse and those from a prior relationship, which in turn affects the structure of your documents.

You are not required to provide full account numbers. Only the financial institution and the last four digits of the account number are requested.

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 maximum limit for naming either primary or contingent beneficiaries. It is important that the shares designated for primary beneficiaries collectively total 100%.

You determine the age at which minor beneficiaries receive their inheritance. The default age is 25, with a minimum of 18 and a maximum of 35. Until the specified age, the trust is responsible for holding and managing the funds for the beneficiary's benefit, which can include expenses like education, healthcare, housing, and support.

If a beneficiary predeceases you, your contingent beneficiary designation will take effect. By default, if the deceased beneficiary had children, their share will pass on to those children. Alternatively, you have options to direct that the share be divided among your surviving beneficiaries, allocated to a specific alternate individual, or donated to a charity.

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 informational purposes, common choices for guardians include a sibling, a close family friend, a grandparent, or a couple named jointly. This information describes typical selections and is not a recommendation; the decision is entirely yours, and support representatives are unable to advise on the suitability of any specific individual.

The documents allow you to name the same individual or different individuals for these roles. The service cannot advise on which approach is appropriate for your situation. If you have questions about how to structure these roles given your family circumstances, consult an attorney.

For complex blended family situations, it is advisable to consult an attorney who can review whether a Joint Trust structure meets your needs and discuss any alternative structures available to you.

The plan does not provide an option for disinheritance. If you intend to exclude a specific person from inheriting, it is recommended to consult an attorney, as this requires specialized legal drafting.

Trust is managed by you while you are alive and have capacity. You act as your own trustee, maintaining full control over buying, selling, and managing trust assets. You also have the authority to modify the trust's terms or revoke it completely. Your financial life remains unchanged, with only the title-holding method differing. In the case of a Joint Trust, both spouses begin as co-trustees.

A successor trustee assumes control if you become incapacitated, managing trust assets such as paying bills, overseeing investments, and maintaining property, all without court intervention. Following your death, the successor trustee handles the administration and distribution of the trust. This includes locating assets, settling legitimate debts and taxes, distributing assets to beneficiaries, and ultimately closing the trust after all distributions are made. For a Joint Trust, the surviving spouse usually acts as the sole trustee after one spouse dies, with the successor trustee taking over only after both spouses have passed.

The choice of who to name these roles rests solely with you. While support can clarify the responsibilities of each role, they cannot provide advice on specific individuals to select. Commonly, individuals chosen as successor trustees include a spouse, adult child, sibling, trusted friend, or a professional entity like a bank or trust company. For personalized guidance on your unique circumstances, it is advisable to consult with an attorney.

You can name up to two successor trustees, designated in a specific order. 

The executor of a pour-over will have a more limited scope than a general estate executor. Their responsibilities include filing the pour-over will, collecting any assets that were not formally transferred into the trust, and ensuring these assets are directed into the trust. It is common practice to designate the same individual as both executor and successor trustee due to the complementary nature of these roles. You have the option to name one primary executor and one backup executor.

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 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.

The legal frameworks for decision-making authority and access to information are separate. Federal privacy laws limit who your doctors can communicate with regarding your health. Therefore, a HIPAA Authorization is essential to ensure your healthcare agent can access the necessary medical information to make informed decisions on your behalf.

An Advance Directive applies under specific, limited conditions. These include situations where you have a terminal condition, are permanently unconscious, or are otherwise incapable of communication and not expected to recover. This directive does not cover routine medical care, illnesses that can be treated, or temporary incapacities. For a Joint Trust, each spouse must complete their individual Advance Directive, and their responses are not combined with those of their spouse.

Completing the online process generates documents that are ready for signing; however, the trust is not valid immediately. The documents become legally binding only after they are signed and notarized, and the trust itself becomes functional once it has been funded with assets.

To make your documents official, begin by downloading them from your LifeLock account. Thoroughly review each page, paying close attention to details such as your successor trustees, beneficiary percentages, and the Schedule of Assets. Print the entire set of documents on standard letter paper. You will then need to arrange for witnesses and schedule an appointment with a notary public, as notarization is mandatory for a trust. Sign the documents in the presence of both your witnesses and the notary, adhering to the sequence outlined in your Trust Signing Guide. Finally, securely store the signed original documents and inform those who will require access to them about their location.

Both spouses are required to sign the Joint Trust agreement simultaneously. This signing must occur in the presence of the same witnesses and the same notary. It is essential to plan to attend the appointment together, as signing on different days or at separate locations is not permitted. During the same appointment, each spouse will also sign their individual documents, including their pour-over will, financial power of attorney, healthcare power of attorney, advance directive, and HIPAA authorization.

The number of witnesses required is dependent on state-specific regulations. Your Trust Signing Guide is tailored to your particular state requirements, so you should adhere to its instructions rather than relying on a general number.

Your specific state requirements for witnesses are detailed in your signing guide. Generally, suitable witnesses are adults who are physically present and observe your signing. It is typically recommended to avoid selecting individuals who are beneficiaries, related to a beneficiary, your successor trustee, or your spouse.

You can locate a notary through several options:

• Your bank or credit union
• Shipping and business service centers
• Law offices and title companies
• Some libraries and municipal offices
• Mobile notaries who travel to your location
• Online notarization, if permitted in your state

Fees for notarization vary by state and provider, so it is recommended to confirm the total cost when booking, particularly since the Trust Plan typically includes more documents than the Will Plan.

The blank lines in your documents, intended for the date, witness names, notary details, and the trust tax identification number, are deliberate. These sections are to be completed manually on the day of signing. Your signing guide will specify which blanks you are responsible for filling out and which ones the notary will complete.

Trusts are typically not filed with any government agency. Nevertheless, if real estate is transferred into the trust, the new deed must be recorded with the county recorder in the property location. This process is detailed in your Funding Guide.

An unfunded trust cannot achieve its purpose because it can only distribute assets that it legally owns. If your home, for example, remains titled solely in your name at the time of your passing, it will be subject to probate proceedings, regardless of your trust's instructions. When a trust is unfunded, your assets are processed through probate under your pour-over will before they can be transferred into the trust. This results in the same delays, costs, and public disclosure associated with probate. Failing to fund your trust is a common and significant error that you are responsible for preventing.

Funding refers to the process of transferring legal ownership of your assets from your personal name into your trust. In practical terms, this involves changing how the title of these assets is held. You retain full control over the account, including the ability to sign checks, but the trust becomes the legal owner. This change in title is precisely what enables the assets to pass directly to your beneficiaries without going through probate.

LifeLock provides several key documents to assist with the funding process: your signed trust agreement, your Certification of Trust for presenting to financial institutions, your Trust Funding Guide with step-by-step instructions tailored to different asset types, and your Schedule of Assets for tracking what you have successfully funded. Your responsibilities include contacting each relevant institution, such as banks, brokerages, insurers, and the county recorder, to present your documents and request asset retitling. You may also need to engage with a title company or attorney for real estate deeds, notify your mortgage lender, cover any associated third-party fees, and confirm that each transfer has been completed. LifeLock focuses on providing the necessary documents and guidance, but the execution of retitling, professional review, and official recording are third-party actions you must manage.

The funding process generally takes between two to six weeks to complete, though the work involved is typically intermittent rather than continuous. Changes to bank accounts and life insurance beneficiary designations usually proceed most quickly. Retitling brokerage accounts tends to follow, and real estate transfers, which require a new deed and county recording, often take the longest. Your personalized Trust Funding Guide outlines a realistic sequence for these steps, specific to your state.

The costs associated with funding your trust vary, with most being modest. For example, retitling bank accounts is frequently offered without charge. However, fees may apply for services such as brokerage account retitling, preparation of real estate deeds, county recording, and notarizing a deed. These fees differ depending on the provider, state, and county. It is important to note that all these expenses are third-party fees paid directly to institutions, title companies, county offices, and notaries; they are not paid to LifeLock and are not included in your LifeLock plan price. You should always confirm each fee directly with the respective institution before proceeding.

During the funding process, most institutions primarily require confirmation that your trust exists and verification of who the trustee is, rather than needing your entire trust agreement. The Certification of Trust fulfills this exact purpose by providing the necessary proof without revealing sensitive details such as your beneficiaries, specific asset information, or distribution terms. You should always bring this document to any funding discussions, as many institutions prefer it and will accept it in place of the complete trust agreement.

The Schedule of Assets is a blank document that you are responsible for completing as you fund your trust. It is intentionally left blank because its purpose is to record only the specific assets that have been formally transferred into the trust, not simply the assets you own or plan to transfer. While your Estate Inventory lists all your possessions, the Schedule records what the trust genuinely holds. You should keep this document with your signed trust and update it each time an asset transfer is finalized. Once signed, it serves as the operative Exhibit A and will be a crucial document for your successor trustee.

You have the option to transfer a home with an existing mortgage into your revocable trust. The mortgage itself remains associated with the property; your lender does not change, and the trust simply assumes title. This process typically involves obtaining a new deed, usually prepared by a title company or attorney, which must be signed in the presence of a notary and then recorded with the county recorder. Additionally, you will need to notify your mortgage lender and insurer about the change. Any questions regarding the specifics of your loan terms, such as due-on-sale provisions, should be directed to your lender or attorney. If your primary residence is designated as a homestead, your Funding Guide includes a dedicated section on this topic, as certain exemptions may require re-filing after transferring the property to a trust.

Retirement accounts, such as 401(k)s and IRAs, generally pass to the beneficiary designated with the plan provider, thereby bypassing both the trust and probate. These accounts are typically not retitled to be held within a trust. It is advisable to review your current beneficiary designations with each provider to ensure they still align with your wishes. For guidance on whether any specific changes should be made to the account itself, including potentially naming the trust as a beneficiary, you should consult your plan provider or a tax advisor, as LifeLock is unable to provide account-specific advice.

Life insurance policies typically pay out to the beneficiary explicitly named on the policy. You have the option to name individuals as beneficiaries or to designate your trust as the beneficiary. Naming your trust means the death benefit will flow into the trust and be distributed according to its terms, which can be beneficial if your beneficiaries are minors or if you wish to apply specific distribution ages. Any changes to your life insurance beneficiary must be made directly with your insurer, not within the trust builder.

Passing a business through your estate plan is outside the scope of this particular plan. If you own a business, it is essential to consult with an attorney separately for guidance on how to manage your business interests within your estate plan. You should not attempt to fund business interests into this trust without professional legal advice.

It is important to note that once an account or asset is transferred into your trust, it is no longer covered under the Million Dollar Protection Package. This package specifically applies to your day-to-day monitored accounts and does not extend to assets held within a trust. You should carefully review each asset you are funding to understand which protections apply. Many individuals choose to fund real estate and investment accounts into their trust while keeping day-to-day operating accounts outside the trust, where they remain covered by the package and are managed by a pour-over will. Support can clarify how the coverage works, but for advice tailored to your specific situation, you should consult an attorney.

LifeLock provides your Certification of Trust and Trust Funding Guide for educational resources and guidance. However, LifeLock support cannot directly retitle your assets, file property documents on your behalf, contact financial institutions for you, or provide advice on specific funding decisions. You will need to work directly with your financial institutions, county recorder, title company, tax advisor, or attorney to complete these steps.

To update your trust, sign in to your LifeLock account and navigate to the Estate Planning section. You can then edit the necessary sections; your existing answers will be preserved. After making changes, regenerate your documents, review them, and then print and re-execute them according to the provided instructions. It is important to destroy your previous signed originals. Editing in the builder does not legally change your documents until the updated versions are re-executed. If you add new assets, ensure they are also funded.

The requirements for signing, witnessing, and notarization vary depending on the document type, the state you are in, and the specific changes being made. Always follow the instructions provided with your updated documents. If you have any uncertainties, confirm the requirements with a licensed attorney or an authorized notary.

Executing a new will specifically revokes all prior wills. Despite this, you should still destroy the old, signed originals after signing the new version to prevent any potential confusion from a stray copy.

Following a major life event, you should update beneficiaries, trustees, and guardians within the builder. Afterward, re-execute your documents and fund any newly added assets. Common triggers for these updates include:

• Marriage or divorce
• The birth or adoption of a child
• A death in the family
• Buying or selling a home
• Moving to another state

Moving to a different state can affect estate planning requirements. Rules regarding community property treatment, homesteads, witness requirements, and statutory forms all vary by state, and LifeLock support cannot determine whether your existing documents remain valid after a move. You should update your address in the builder, regenerate your documents, and re-execute them. If you purchase property in your new state, ensure it is funded. A licensed attorney in your new state can review whether further updates are needed, which is particularly advisable for moves between a community property state and a separate property state.

Estate laws are subject to change, making it important to keep your plan current. The LifeLock product is designed to support state-specific template updates and may guide you when an update is needed. You should review your plan periodically and seek legal guidance if you are concerned about a change in the law.

Your estate plan is stored within the same secure LifeLock environment that has safeguarded members' identities and accounts for over 20 years. This environment is monitored around the clock to ensure security.

LifeLock Customer Support agents cannot view or access your sensitive estate planning information, including your trust, beneficiaries, or asset details. They are able to assist with account-related matters such as eligibility, billing, and navigating the tools, but they do not have visibility into the specifics of your plan or your Schedule of Assets.

Currently, your family or beneficiaries cannot directly view your plan through the LifeLock service. Sharing and trusted contact features may be offered in the future. For now, if you wish for someone, especially your successor trustee, to have a copy, you must provide it to them directly and inform them of the location of your signed original documents and funding records.

To ensure your family can access your plan, you should download and securely store your signed documents and your completed Schedule of Assets. Inform the people who need to know, particularly your successor trustee, where these documents can be found and what the trust actually holds. You should not rely on anyone being able to retrieve your plan from LifeLock after you pass.

Your successor trustee or executor can contact LifeLock after your passing. However, LifeLock must verify the caller's authority and follow the approved deceased-member process. Depending on the request, they may need to provide documentation such as a death certificate and estate or trustee paperwork before LifeLock can take any action. This process highlights the importance of providing your successor trustee with a copy of your trust, your Certification of Trust, and your funding records while you are alive.

A request from someone holding your power of attorney to access your estate documents must follow the approved Power of Attorney (POA) process, which includes verification and specific documentation requirements. If the member is deceased, a power of attorney is generally no longer valid for handling their information; in such cases, the deceased-member process applies instead.

Only you, or an authorized and verified representative, are permitted to make changes to your plan. What is permitted depends on account access, required documentation, and product rules. For a Joint Trust, both spouses are grantors of the trust, but the in-product experience still follows the eligible account. Family members should not make changes to someone else's estate plan unless they possess the proper legal authority and have been verified through the approved process.

If you believe your account or documents may have been accessed without your permission, you should contact LifeLock for support immediately. The first priority will be securing your account, and LifeLock will then follow the approved account compromise and privacy request process.

If you cancel your LifeLock membership, you should download and securely store all your completed documents according to the instructions provided within the product experience. Your signed, notarized paper documents will remain legally effective regardless of your membership status, and any assets already funded into your trust will stay in the trust. However, access to ongoing features such as in-product storage, editing capabilities, and document regeneration may depend on the product terms and your active membership status. It is highly recommended that you download everything, including your completed Schedule of Assets, before canceling your membership.

The documents are designed by legal experts and are ready to sign. To ensure they are legally binding, you must sign and notarize them according to the provided step-by-step instructions. While most individuals may not require a separate lawyer, our team is available to assist with navigating the tools. For specific legal guidance tailored to your situation, consulting an attorney is recommended.

Support can explain the functionality of the Estate Planning experience, the purpose of the documents, and the steps recommended by the product. However, support cannot provide legal advice regarding your specific situation, determine if you require a Will or a Trust, advise on the suitability of a Joint Trust structure for your family, suggest who to name in specific roles, recommend assets to fund, retitle items for you, interpret your documents, or guarantee a legal outcome. For assistance with these matters, you should consult a licensed attorney, as an attorney add-on is not included with the plan.

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 crafted by legal experts. However, we cannot guarantee a specific legal outcome or offer legal interpretation of your documents. For additional assurance, especially in complex situations, with a blended family, or regarding a Joint Trust, it is advisable to have a licensed attorney review your completed documents before you sign them.

Beneficiaries have the ability to challenge estate planning documents. The success of such a challenge is contingent upon the specific circumstances and the laws of your state, and support cannot forecast outcomes or evaluate the potential strength of a claim. You can ensure your documents are complete, accurate, and correctly executed. If you have concerns about a particular individual or situation, it is recommended to discuss this with an attorney.

Certain assets typically do not pass through a trust. Retirement accounts, for example, like a 401(k) or IRA, generally transfer to the beneficiary designated with the plan provider, bypassing both the trust and probate. Life insurance policies pay out to the beneficiary named on the policy, unless the trust is explicitly named as the beneficiary. Accounts designated as payable-on-death (POD) or transfer-on-death (TOD) are transferred to the named individual. Property that is jointly titled with rights of survivorship passes directly to the surviving co-owner. It is important to review the beneficiary designations for these types of accounts with each provider to ensure they align with your current wishes.

It is important to note that once an account or asset is transferred into your trust, it is no longer covered under the Million Dollar Protection Package. This package specifically applies to your day-to-day monitored accounts and does not extend to assets held within a trust. You should carefully review each asset you are funding to understand which protections apply. Many individuals choose to fund real estate and investment accounts into their trust while keeping day-to-day operating accounts outside the trust, where they remain covered by the package and are managed by a pour-over will. Support can clarify how the coverage works, but for advice tailored to your specific situation, you should consult an attorney.

Support cannot answer tax-related questions concerning your trust. Inquiries regarding how a trust impacts your tax position, including details about basis, income reporting, or tax identification numbers, should be directed to a qualified tax advisor. LifeLock does not provide advice on tax matters.