If you’ve landed here, you’ve probably seen a “Free Will Kit” offer somewhere — on a Facebook ad, a Nextdoor post, an email — and you’re trying to figure out: is this real? Is it useful? What’s the catch?
I’ll save you some time. There’s no catch. The Will Kit is a giveaway. We mail it free, the optional 15-minute review with me (or one of our licensed agents) is free, and there’s no obligation to buy anything, ever.
The reason I built this kit is simple: in 14+ years of writing life insurance, I’ve watched too many families get hit with a loss and then immediately get hit a second time — by paperwork they didn’t have, decisions they didn’t anticipate, and accounts they didn’t know existed. The kit is the antidote.
The four documents
1. Living will (advance directive)
A living will tells doctors and family what kind of end-of-life care you do — or don’t — want. It’s a state-specific document, so the kit ships with the form for your state.
This isn’t a will-your-money document. It’s a will-your-medical-decisions document. The two get confused all the time. A living will doesn’t replace a last will and testament; it complements it.
2. Power of attorney (healthcare + financial)
Two POAs, actually:
- Healthcare POA — names the person who can make medical decisions for you if you can’t speak for yourself
- Financial POA — names the person who can manage your accounts, pay bills, and handle financial decisions on your behalf
Most people put off these documents because nothing’s wrong yet. The point is to fill them out before something’s wrong. If you’ve ever watched a family scramble in an ICU because no one had legal authority to make a decision, you know exactly why these matter.
3. Healthcare directive (HIPAA + decision-making)
This document does two things:
- Authorizes specific people to receive your medical information (the HIPAA piece)
- Documents your preferences for major medical decisions
It works alongside the healthcare POA — the POA names who decides; the directive documents what you’d want them to decide.
4. Family financial roadmap
This is the document I’m proudest of. It’s a one-pager (really — one page) that lays out:
- All accounts and where they live (banks, brokerages, retirement, etc.)
- Logins and passwords (or where to find your password manager)
- Insurance policies and contact numbers
- Recurring bills and how they’re paid
- Key contacts (CPA, attorney, financial advisor, primary care)
- Last wishes (burial, funeral, organ donation, digital legacy)
If something happens, this is the first thing your family reaches for. It saves them weeks of detective work — and it’s the difference between grieving and triaging.
What’s NOT in the kit
Some honest disclosure:
- Not a last will and testament. A full will (with executor designations, specific bequests, etc.) needs an attorney’s review for your state. Our kit gets you 70% there; an estate attorney finishes the last 30%.
- Not a trust. Living trusts and revocable trusts are powerful tools but require attorney drafting. Same logic.
- Not a financial plan. The roadmap organizes your finances; it doesn’t tell you how to invest. That’s your CPA or financial advisor’s job.
If you need any of the above, I’m happy to refer you to professionals I trust.
Why we give this away
Two reasons.
One: It’s the right thing to do. These documents shouldn’t be gated behind a sales call. The information is too important.
Two: It builds trust. When you eventually need life insurance — and most working households will — you’ll remember the broker who gave you something useful first. About 30% of families who request the kit eventually become life insurance clients. The other 70% just walk away with the kit, and that’s fine.
How to request it
Request the Will Kit — takes about 30 seconds. We mail it within 48 hours and email digital templates the same day.
If you’re curious whether life insurance is even right for your situation, you can also try our coverage calculator for a starting estimate. No email required, no follow-up — just a number.