Estate Planning

Plan Today to Protect Tomorrow

Our estate planning services offered through Legal Karma are just what you need to ensure your loved ones are taken care of.

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Don't be a statistic.

67% of Americans do not have a basic will in place.

34% of people aged 35-54 have never discussed estate planning with anyone.

Plan for your future and ensure your assets and loved ones are taken care of. Key components of estate planning include a will, power of attorney, and/or healthcare directives.

Special Offer on Pricing

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PSECU-Website-Savings-Account-1-Individual-Retirement-Accounts

Single Will Package $249 $199

It’s never too early to create a plan for assets, protect your family, and define your legacy.

Package includes:

State-specific will and powers of attorney (healthcare and durable)
HIPAA authorization
Living will
Declaration of appointment of guardian
Appointment of agent to control disposition of remains

Get Started

PSECU-Website-Join-Us-Tab-Table-2-Savings

Joint Will Package $349 $299

Perfect for spouses/partners who want to plan for their future, together. Each spouse/partner receives their own copy of each document.

Package includes:

State-specific will and powers of attorney (healthcare and durable)
HIPAA authorization
Living will
Declaration of appointment of guardian
Appointment of agent to control disposition of remains

Get Started

PSECU-Website-Become-a-Member-Tab-1-Family-Members

Single Trust Package $699 $649

Protect your assets while avoiding the burdensome probate process.

Package includes:

State-specific revocable living trust and powers of attorney (healthcare and durable)
Pour-over will
Living will
HIPAA authorization
Declaration of appointment of guardian
Appointment of agent to control disposition of remains

Get Started

Joint Trust Package $899 $849

For couples living together, protect your family assets while avoiding the burdensome probate process.

Package includes:

State-specific revocable living trust and powers of attorney (healthcare and durable)
Pour-over will
Living will
HIPAA authorization
Declaration of appointment of guardian
Appointment of agent to control disposition of remains

Get Started

Single Will Package $249 $199

It’s never too early to create a plan for assets, protect your family, and define your legacy.

Package includes:
- State-specific will and powers of attorney (healthcare and durable)
- HIPAA authorization
- Living will
- Declaration of appointment of guardian
- Appointment of agent to control disposition of remains
Get Started
Joint Will Package $349 $299

Perfect for spouses/partners who want to plan for their future, together. Each spouse/partner receives their own copy of each document.

Package includes:
- State-specific will and powers of attorney (healthcare and durable)
- HIPAA authorization
- Living will
- Declaration of appointment of guardian
- Appointment of agent to control disposition of remains
Get Started
Single Trust Package $699 $649

Protect your assets while avoiding the burdensome probate process.

Package includes:
- State-specific revocable living trust and powers of attorney (healthcare and durable)
- Pour-over will
- Living will
- HIPAA authorization
- Declaration of appointment of guardian
- Appointment of agent to control disposition of remains
Get Started
Joint Trust Package $899 $849

For couples living together, protect your family assets while avoiding the burdensome probate process.

Package includes:
- State-specific revocable living trust and powers of attorney (healthcare and durable)
- Pour-over will
- Living will
- HIPAA authorization
- Declaration of appointment of guardian
- Appointment of agent to control disposition of remains
Get Started

Select any of the Get Started buttons on this page to visit the member authentication page, where you’ll be required to sign in using your PSECU digital banking username and password. The information you enter on the authentication page is private and is not shared with Legal Karma.

Once authenticated, you’ll be directed to the Legal Karma site.

If you don’t have digital banking set up, sign up.
Get Started
You’ll be prompted to complete an eight-question (two minutes or less) quiz to help you learn more about the estate plan package that meets your individual needs. Once you select a package, you’ll fill out a questionnaire designed specifically to gather the information needed to create the documents you’re purchasing.

If you need assistance while working through the quiz or questionnaire, Legal Karma offers free, live phone/chat support to members Monday through Friday, 10 AM-6 PM EST at 717.862.7480. Feel free to call/chat the support team as needed.
After you submit your payment, your questionnaire answers will be used to create your estate plan, and your documents will be emailed to you within 3-5 business days.

Please note:
1. You’re responsible for maintaining copies of your documents and following all provided instructions once they’re prepared, including notarization. Legal Karma will not store your documents indefinitely.
2. Throughout the process of setting up your documents, you’ll see Legal Karma’s disclosure several times. You can familiarize yourself with Legal Karma’s full terms and conditions.

During the application process, you'll see Legal Karma's disclosure. Have questions about what that legal jargon means?

Let's break it down:
- Legal Karma is not the substitute for an attorney or law firm. Legal Karma isn't a law firm or a group of attorneys. They partner with attorneys in each state in order to ensure the estate planning documents align with state law when you follow the steps and instructions provided.
- Legal Karma does not provide legal advice. Legal Karma provides you with access to information and educational resources that’ll help you create a comprehensive will or trust package and offers free, unlimited, live phone/chat support throughout the process. You’ll have full control over your estate planning documents.
- This site and applications are not intended to create any attorney-client relationship, and its use does not and will not create an attorney-client relationship. The use of Legal Karma's services doesn’t create an attorney-client relationship or prevent you from seeking legal advice elsewhere. After your documents are finalized, you're free to share them as you wish, including with attorneys and legal professionals.
Estate planning is the process of making arrangements for your assets and affairs after you pass away or become incapacitated. It can include:
- Documents: Creating a will, power of attorney, medical directives or trust.
- Medical requests: Communicating your end-of-life care wishes, such as a do-not-resuscitate order.
- Guardianship: Nominating guardians for minor children.
Some reasons to start estate planning include:
- New job or increase in wealth.
- Change in marital status.
- Travel (so your family knows what to do if something happens to you).
- Adding children or other dependents to your family.
While there's no specific age at which to start estate planning, it's generally recommended to begin as soon as you become a legal adult. This is because you're now legally responsible for everything you own, and your assets need to be distributed no matter how many or how few there are.
Estate planning is an important part of a healthy financial plan. We encourage you to take charge of your future by teaming with a resource that can help you plan for your medical, financial, and asset distribution intentions to eliminate uncertainty and clearly outline your wishes for the medical professionals and financial institutions you’re associated with. We're committed to providing these opportunities for you at a fair and reasonable cost through Legal Karma as a part of your benefits as a PSECU member.

You can also take advantage of additional services to help support your financial goals:
- Insurance. Get the protection you need and the savings you deserve for home, auto, life, and pets.
- Financial Planning. Options for whether you have a few extra dollars to invest or a nest egg to grow.
- MedicareCU. The no-stress way to shop for Medicare (Traditional Medicare, Medicare Advantage and Medigap options).
Service packages range in price from $249 to $899. You'll find a detailed overview of pricing information above, as well as after beginning the process by visiting the authentication page and completing a quiz. The quiz will help you select the package that's right for you, and you'll complete your order through Legal Karma's secure payment portal after submitting your completed documents.

¹PSECU has contracted with Legal Karma to provide estate planning products and services to PSECU members. PSECU does not warrant any service or product offered by third parties, including Legal Karma. PSECU recommends that you consult and seek the advice of a qualified and licensed financial, tax, or legal professional if you have questions about estate planning. Legal Karma is not a law firm and are not attorneys. The use of any Legal Karma product and/or service is not intended to be a substitution for an attorney or law firm. Legal Karma does not provide legal advice or legal services. Any information provided is for informational purposes only and shall not be construed as legal advice. Your use of Legal Karma’s Site and/or Applications does not and will not create an attorney-client relationship between you and Legal Karma and does not constitute legal advice. Legal Karma's estate products and services are available nationwide.

²PSECU’s Legal Karma $50 Discount Offer: From 04/02/2025 to 04/30/2025, PSECU members may receive a $50 discount on the purchase of Legal Karma’s wills and trusts packages. This offer is limited to Legal Karma’s Single Will Package, Joint Will Package, Single Trust Package, and Joint Trust Package. Legal Karma's estate products and services are available nationwide. PSECU members must access the Legal Karma webpage at psecu.com/estate-planning. PSECU members must enter code PSECU50 on the payment screen. Offer cannot be combined with any other discounts, offers, or promotions offered by Legal Karma or other third parties. Offer cannot be used for prior purchases. Offer cannot be redeemed for cash. PSECU is not responsible for delays caused by conditions outside of PSECU’s control, acts of God, or third parties linked or available through Legal Karma’s web page and the processing of payment for Legal Karma’s packages. PSECU reserves the right to modify or discontinue the offer at any time without notice. All decisions of PSECU regarding this $50 Discount Offer are final. Void where prohibited. Offer expires on 04/30/2025 at 11:59 p.m. (EST).