Create Your Will, For Free

Create your free online will and combine it with our free digital estate planning

Final Security has made digital estate planning free and available to everyone. With our basic plan, you will be able to utilize our Info Vault to store your most important documents, photos and files ensuring your loved ones will get the information you intend them to without the expense and stress of lawyers and probate. And now with our free online will builder tool, you can create your own legal will that works in all 50 states and have it automatically added to your Info Vault.

Why is it important for you to have a will?

While it can be uncomfortable to think about the end of our lives, it is important to make sure you have taken the time to properly plan so that your family, loved ones and assets are protected and allocated as you intend. Failing to do so could create tremendous stress, burden and expense in what will be one of the hardest times in the lives of your loved ones. In an article written by Findlaw.com (2018), they explore ten reasons why it is important to have a will:

1. You decide how your estate will be distributed. A will is a legally-binding document that lets you determine how you would like your estate to be handled upon your death.
2. You decide who will take care of your minor children. A will allows you to make an informed decision about who should take care of your minor children. Absent a will, the court will take it upon itself to choose among family members or a state-appointed guardian.
3. To avoid a lengthy probate process. ["Not everything you own will automatically go through probate. The obvious assets that will need to be probated are those with a title that is in your name only. These might include bank accounts, investments, home, other real estate, vehicles, etc (EstatePlanning.com, 2014)"].
4. Minimize estate taxes. Another reason to have a will is because it allows you to minimize your estate taxes. The value of what you give away to family members or charity will reduce the value of your estate when it's time to pay estate taxes.
5. You decide who will wind up the affairs of your estate. Executors make sure all your affairs are in order, including paying off bills, canceling your credit cards, and notifying the bank and other business establishments. Because executors play the biggest role in the administration of your estate, you'll want to be sure to appoint someone who is honest, trustworthy, and organized (which may or may not always be a family member).
6. You can disinherit individuals who would otherwise stand to inherit. Most people do not realize they can disinherit individuals out of their will. Yes, you may wish to disinherit individuals who may otherwise inherit your estate if you die without a will. Because wills specifically outline how you would like your estate distributed, absent a will your estate may end up on the wrong hands or in the hands of someone you did not intend (such as an ex-spouse with whom you had a bitter divorce).
7. Make gifts and donations. The ability to make gifts is a good reason to have a will because it allows your legacy to live on and reflect your personal values and interests. In addition, gifts up to $13,000 are excluded from estate tax, so you're also increasing the value of your estate for your heirs and beneficiaries to enjoy. Be sure to check the current laws for your year to learn the most up-to-date gift tax exclusions.
8. Avoid greater legal challenges. If you die without a will, part or all of your estate may pass to someone you did not intend. For example, one case involved the estate of a deceased son who was awarded over $1 million from a wrongful death lawsuit.
9. Because you can change your mind if your life circumstances change. A good reason for having a will is that you can change it at any time while you're still alive. Life changes, such as births, deaths, and divorce, can create situations where changing your will are necessary.
10. Because tomorrow is not promised

Digital estate planning for everyone

We made some changes! With our new pricing structure, we have an option to fit everyone's needs and budget.

Basic

Our basic plan is now free. You receive an Info Vault with enough space to ensure your important assets are accounted for.

Plus

Those that require more, our plus plan has you covered for $1.99 a month. The Plus plan provides 10GB of Info Vault space in addition to 4 managed deletions of social & cloud accounts. Another optional feature of the Plus plan is device wiping. You can add our device wiping service for only $1 per month, per device.

Be prepared for the unexpected, plan for your digital death and digital estate

As technology has become a main component to most aspects of our lives, we are constantly building a digital footprint. Take a moment to think about all the different aspects of your daily digital life:

• Online accounts and passwords
• Photos
• Documents
• Banking
• Shopping (credit cards)
• Your different devices

Those are just some examples of what could be an endless list. In our current society, we need to consider what happens to our digital lives when we pass (our digital death). Digital Estate Planning is now becoming a requirement during your estate planning process.

What is digital death?

Digital Death is the process of planning and taking action to control what happens to your digital information, as well as controlling who will receive the information, documents, photos and account passwords when you pass.

What is your digital estate?

Estate planning is the process of anticipating and arranging, during a person's life, for the management and disposal of that person's estate during the person's life and at and after death, while minimizing gift, estate, generation skipping transfer, and income tax (Wikipedia, 2010). Digital Estate Planning is an expansion of this common process. Estate planning can make things easier for your loved ones after you pass. You can think out how you'd like each part of your life settled - accounts and debts, property, funeral arrangements, etc. Your digital property is no different.

Final Security is a digital estate planning company that protects your digital estate through our three main services:

• Info Vault: Users can collect files, photos, account information and passwords in our encrypted Info Vault to be transferred to their designated beneficiary upon death.

• Device Cleaning: Registered devices will be wiped clean, ensuring the user passes on only the information they want to share.

• Social Media & Cloud Cleaning: Users can arrange to have their social media and cloud accounts deleted, protecting their loved ones and securing their digital legacy.

How at risk is your digital estate?

Use our Digital Estate Risk Assessment Calculator to understand your risks and how to properly handle them. You will get your free personalized digital estate planning report in just a few minutes.

Start Your Free Assessment

What Is a Will and Why Do I Need One Now? (2020). Investopedia. From: https://www.investopedia.com/articles/pf/08/what-is-a-will.asp

Top Ten Reasons to Have a Will. (2018). FindLaw. From: https://estate.findlaw.com/wills/top-ten-reasons-to-have-a-will.html

Do All Assets Go Through Probate? (2014). EstatePlanning.com. From: https://www.estateplanning.com/Do-All-Assets-Go-Through-Probate