ESTATE & LEGACY PLANNING
Protect Your Family From Probate, Not Just From Loss
Without a plan in place, your family's home can sit in probate court for 6 to 18 months while the mortgage still comes due. A living trust can help them skip that entirely.
WHAT PROBATE ACTUALLY COSTS YOUR FAMILY
The Court Doesn't Move Fast. The Bank Doesn't Wait.
Probate is the court process that determines who legally owns a property after someone passes away. It can take 6 to 18 months from start to finish.
Here's the part most people don't realize: the mortgage lender doesn't pause anything during that window. Payments are still due in full and on time. Miss one, and the bank can begin foreclosure before the court even settles who owns the home.
6–18 Months
How long a probate court can take to determine legal ownership of the property.
Payments Still Due
The mortgage doesn't pause during probate. It has to be paid in full and on time.
Foreclosure Risk
Miss a payment during that window and the bank can use it to start foreclosure.
Court Costs & Delays
Legal fees and administrative costs can chip away at what's left for your family.
THE LIVING TRUST ADVANTAGE
Two Paths to a Living Trust. One Costs Thousands. One May Cost Nothing.
A living trust lets your family skip probate entirely and keep the home moving without a court in the middle. There are two ways to get one in place.
COMMON QUESTIONS
Estate & Legacy Planning FAQ
What is probate, exactly?
Probate is a court process that determines who legally owns a person's property after they pass away. It typically takes 6 to 18 months and applies to homes and other assets that weren't placed in a trust.
What happens to the mortgage during probate?
The lender still requires payments in full and on time. Probate doesn't pause the loan, and a missed payment during that window can be used to start foreclosure.
What is a living trust and how is it different from a will?
A living trust holds your assets and passes them to your beneficiaries without going through probate court. A will still has to go through probate before assets can be distributed.
Do I have to qualify to get the trust included at no extra cost?
Yes. Several carriers we work with include living trust services at no additional cost, but it's tied to qualifying for coverage. We'll confirm eligibility before anything is promised.
Do you draft the legal documents yourselves?
No. Life Protection Partners doesn't provide legal advice. Living trust documents are prepared exclusively by independent, licensed attorneys, and we make sure your coverage supports the plan they put in place.