16
16
Videos in this category
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3-5
3-5
Minutes per video
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150+
150+
Total platform videos
Most advisors know their products cold. The gap is what happens after the meeting — when clients forget, second-guess, or go quiet. These videos close that gap. Each one is designed to be sent the same day as your conversation, reinforce the concept in plain language, and keep the client moving forward — without requiring you to be on camera.
THE PROBLEM
Estate planning conversations are the ones clients keep putting off. Too complex, too uncomfortable, too easy to defer — until something happens and it's too late to plan.
THE GAP
Most advisor marketing for estate planning relies on the advisor explaining it. But complex concepts explained once in a meeting rarely stick — especially when emotions are involved.
THE SOLUTION
Send a video that explains the concept in plain language — the same day, while it's fresh. The client can watch it twice, share it with a spouse, and come back to your next meeting ready to act.
16 VIDEOS · ESTATE LIFE INSURANCE
A video for every estate and legacy conversation you're already having
A video for every estate and legacy conversation you're already having
Every card below includes the video's public title (what clients see), the advisor context (why you'd use it), and a specific "Send when" trigger matched to a real client situation. This is your estate life insurance content marketing library — built, produced, and ready to deploy. No legal background required on your end.
ESTATE PLANNING
"End of Life" Legal and Financial Considerations
14,000 people die every day in the US — most without complete end-of-life directives. Covers wills and trusts, healthcare proxy and power of attorney, guardian instructions for dependents, asset transfers, funeral and charitable bequest instructions. Case study: The Carter family — no trust, estate frozen 14 months in probate, $27,000 in legal fees, business liquidated. Their neighbors had a living trust — estate settled in 60 days with zero court involvement.
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Send when: Any client aged 40–70 who has not yet made a will, set up a trust, or given their family clear end-of-life instructions. This is the "you need to deal with this" conversation.
LIVING TRUST
Avoid Probate with a Living Trust
Even with a will, all assets must go through probate — a public process lasting 9–24 months that consumes 3–8% of the estate in legal fees and exposes personal details to anyone who looks. A living trust avoids probate entirely: no delays, no court fees, no public record. Covers successor trustees, special needs provisions, and incapacity planning. Shows how assets retitle from "Bob and Sue Smith" to "The Smith Family Trust."
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Send when: Any client with assets and heirs who doesn't yet have a living trust — or who thinks a will is sufficient. One of the most universally applicable videos in the library.
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Watch the rest of these videos, plus 150+ more!
Watch the rest of these videos, plus 150+ more!
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Full access to all videos and categories
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Immediately use in your client meetings + follow-ups
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New videos added regularly
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It's free to join and there's no contract, cancel anytime.
ESTATE LIFE INSURANCE
Leaving Tax-Free Assets to Your Family
Six strategic uses of life insurance in estate planning: debt settlement, income replacement for dependents, tax-free IRA/401(k) conversion to inheritance, inheritance equalization among heirs, charitable bequest, and estate tax liquidity. Explains why life insurance is the most efficient tool for each — tax-exempt proceeds, guaranteed liquidity, and 40–60% leverage on premium outlay depending on age and policy type.
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Send when: A client has a will or trust but hasn't integrated life insurance into the estate strategy. Opens the conversation without requiring the advisor to be an estate attorney.
ESTATE TAXATION
Your Estate Tax Liability
Estates above $12M (individual) or $24M (married) face a 40% federal estate tax due within nine months of death. Without liquidity, the IRS seizes and liquidates assets at fire-sale prices — often to competitors who know the estate must sell. A couple with $20M earning 7% annually could have an $80M estate in 20 years — with a $22M tax bill. IRC Section 101 life insurance strategy and annual gift exclusions explained as the solution.
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Send when: A client with $5M+ in assets hasn't addressed estate tax exposure. The IRS liquidation risk is visceral and creates urgency without hype.
ESTATE TAX INSURANCE TRUST
Tax Free Discount on Your Estate Tax Liability
How an Estate Tax Insurance Trust (ILIT) works: annual gifts up to $17,000 per recipient move wealth outside the estate tax-free, fund a tax-exempt family trust, which purchases a second-to-die policy. At death, the tax-free death benefit pays the IRS — from the trust, not the estate. Real example: couple, $20M estate, 10 grandchildren and children — $300K/year gifted over 20 years ($6M total) funds a $20M policy. Estate tax settled; estate preserved intact.
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Send when: A high-net-worth client has confirmed estate tax exposure. The "pay the IRS for the estate, not from it" reframe is immediately compelling.
FINAL EXPENSE
Tax Free Discount on End of Life Expenses
Average funeral costs $6,000–$20,000+. Add final medical bills, attorney fees, and income taxes, and most families face a bill due within days — without liquid cash to cover it. Final Expense Insurance: $10,000–$20,000 in coverage, no medical exam, one-page application, guaranteed monthly premiums that never increase, payout within 48 hours. Case study: Harold, 67, $15,000 policy at $38/month — check arrived in two days, wife used $9,200 for funeral, kept $5,800. No stress, no loans, no delay.
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Send when: Any client of any age who hasn't addressed final expense planning. The most universally applicable video in the estate category — almost no one has this conversation proactively.
LIFE SETTLEMENT
Sell Your Life Insurance for Cash
Life insurance policies are financial assets that can be sold in the secondary market for 20–40% of the death benefit. Most clients don't know this option exists. Real outcomes: $2M term policy → $426,000 cash; $500K whole life (with $86K cash value) → $197,000; physician group sold $10M in variable life for $1.68M — double the cash value. Process: short application, medical records, institutional investors bid, funds held in escrow, completed in 4–8 weeks. Tax treatment: proceeds up to cost basis are tax-free; remainder taxed as capital gains.
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Send when: A client over 65 is considering lapsing or surrendering a policy they no longer need or can afford. This video saves them from leaving significant money on the table.
LTC LIFE
Tax Free Money for Elder Care Expenses
2 in 3 Americans need some form of assisted living, home nursing, or custodial care — costs that Medicare and Medigap don't cover ($3,000–$7,000+/month). Asset-based life insurance with an LTC rider under IRS Section 7702B leverages existing savings into 2–4x more in tax-free elder care coverage. No "use it or lose it" — if care is never needed, principal passes to heirs. Case study: Margaret, 70, moves $100,000 from a CD into an asset-based LTC policy — locks in $300,000 in tax-free care coverage with her original funds still available to her family.
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Send when: A client has savings set aside for potential care costs but hasn't leveraged them. They're pre-qualified — this video upgrades their existing solution dramatically.
SINGLE PREMIUM LIFE
Tax Exempt Cash Reserve for Elder Care Expenses
Single Premium Life Insurance converts a one-time deposit from CDs or money market accounts — which earn below-inflation taxable interest — into a tax-free cash reserve worth 2–3x the deposit for assisted living, home nursing, critical illness, or terminal care. No market risk, no ongoing premiums, immediate liquidity for qualifying health events. Whatever isn't used passes tax-free to heirs. Case study: Jerry and Kathy, $100,000 joint CD → two policies, total $168,000 in tax-free benefits used — Jerry's cancer care, Kathy's 14 months of home nursing, balance left to 8 grandchildren.
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Send when: A client over 50 has money in CDs or money market accounts set aside for "just in case." This repositions that money into a vehicle that does far more.
REVERSE MORTGAGE (HECM)
Convert Your Home Equity into Tax Free Income
A Home Equity Conversion Mortgage (HECM) allows homeowners 62+ to convert part of their equity into a tax-free line of credit or monthly income — without selling the home, making monthly payments, or giving up title. FHA-insured: the government guarantees the loan will never exceed the home's value. Real examples: Julia, 64, eliminated a $60K mortgage balance and created a $100K tax-free reserve; Bob and Ann created a care reserve from a fully paid $680K home; Gerri eliminated a $1,500/month mortgage payment and increased monthly income by 65%.
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Send when: A homeowner 62+ wants to remain in their home but needs additional income or a cash reserve for care, emergencies, or lifestyle. The "house-rich, cash-poor" client.
SPECIAL NEEDS TRUST
Financial Security for "Special Needs" Children
Leaving money directly to a special needs child or to a family member informally can eliminate eligibility for SSI and Medicaid ($2,000 asset limit) and has no legal enforcement. A Special Needs Trust holds and protects assets for the child's benefit — medical care, transportation, housing, therapy — without affecting government benefit eligibility. Can be funded with life insurance on the parent. Case study: Miguel, father of 19-year-old with severe autism — trust funded with life insurance, co-trustees named, daughter's government benefits preserved.
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Send when: A parent or guardian is responsible for a child with physical or mental disabilities who will require lifelong support. One of the most emotionally significant conversations in the estate category.
PLANNED GIVING
How to Leave a Tax Exempt Legacy
Three tax-exempt approaches to charitable giving with life insurance, plus the CRT/ART combination: transfer an appreciated asset to a Charitable Remainder Trust, avoid capital gains, convert to lifetime income, fund a life insurance policy in an Asset Replacement Trust to replace the donated asset's value for heirs. Triple advantage: current tax deduction, no capital gains, asset removed from taxable estate. Case study: Leonard, 72, $900K in appreciated stock, $250K capital gains avoided, $45K/year lifetime income, $900K eventually paid to university tax-free, family receives $900K tax-free from life insurance.
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Send when: A client already supports a nonprofit and wants to understand how life insurance can dramatically amplify their gift without depleting family assets.
CRT / ART
Triple Benefit Tax and Income Strategy
For owners of highly appreciated assets (undeveloped real estate, stock options, business interests): transfer to a Charitable Remainder Trust — sell without capital gains, receive a five-year tax deduction, convert to lifetime income, leave the remainder to a chosen nonprofit. Fund a life insurance policy in an Asset Replacement Trust to restore the asset's value for heirs tax-free. Case study: Ellen and Robert, $1.2M in appreciated land, $320K capital gains bill avoided, $60K/year lifetime income, heirs receive $1.2M tax-free, university receives the CRT remainder.
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Send when: A client owns a substantially appreciated asset they want to sell — real estate, stock options, or a business interest — but is concerned about capital gains.
RMD CONVERSION
Converting Your IRA into Tax Free Inheritance
Required Minimum Distributions begin at 73, taxed as ordinary income whether needed or not. Heirs face the same full tax on inherited IRAs — within 10 years under the SECURE Act. The RMD Conversion: convert the IRA to a lifetime income annuity, pay taxes year-by-year at lower brackets, use the after-tax income to fund a life insurance policy under IRC Section 101 — the death benefit equals the full pre-tax IRA value, paid to heirs completely tax-free. Case study: John, 74, $800K IRA, $56K/year annuity income, $18K taxes, $38K net funds a policy, daughter receives $800K tax-free.
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Send when: A client over 70 has a large IRA or 401(k) they don't need for income and doesn't want to pass a tax burden to their heirs.
JOINT LIFE SECOND DEATH
Two Lives - One Tax Free Benefit
Second-to-die policies insure two lives but pay only at the second death — making them significantly less expensive than individual policies, even if one spouse is uninsurable. Three uses: inheritance equalization (one child gets the lake house; others get equivalent cash tax-free), tax-free retirement income (lower-cost premiums fund policy cash value), and estate tax settlement (held in an irrevocable trust, pays the IRS at death). Case study: Tim and Lisa, $14M estate, three children, lake property going to eldest — joint policy equalizes the inheritance and funds estate tax.
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Send when: A married couple needs cost-efficient coverage for inheritance equalization, estate tax planning, or retirement income — especially if one spouse has health challenges.
SPLIT DOLLAR FAMILY BANKING
Teach a Grandchild to Save Money
Split Dollar Family Banking uses overfunded cash value life insurance under IRC Sections 101 and 7702 as a generational wealth-building and financial education tool. The grandparent controls the account and sets loan terms; grandchildren borrow for college, a first car, a home down payment, or a business — and repay the account with interest, building the habit of saving. The grandparent releases control when appropriate. With continued discipline, the account becomes a source of tax-free retirement income for the grandchild. Case study: Tom, retired engineer, four grandchildren, each set up before age 12.
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Send when: A grandparent wants to leave a financial legacy that teaches responsibility, not just transfers wealth. Especially effective when grandchildren are under 15.
video_library
Watch the rest of these videos, plus 150+ more!
Watch the rest of these videos, plus 150+ more!
check
Full access to all videos and categories
check
Immediately use in your client meetings + follow-ups
check
New videos added regularly
arrow_drop_down_circle
Divider Text
It's free to join and there's no contract, cancel anytime.
FOR INSURANCE AGENTS AND FINANCIAL ADVISORS
How to turn estate planning avoidance into advisor-led action
How to turn estate planning avoidance into advisor-led action
Estate planning conversations fail because they're uncomfortable, complex, and easy to defer. These videos change that dynamic — they make the concept concrete and give clients something to watch, share, and return to on their own time.
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Start broad
Send the Estate Planning or Living Trust video to any client who hasn't addressed these basics. Opens the conversation without requiring a legal discussion — just a 3-minute video and a follow-up call.
FIRST TOUCH
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Match to the situation
Once you know the client's profile — assets, age, family situation, charitable interests — send the specific video that matches. Estate tax exposure gets the ILIT video. IRA holders get the RMD Conversion video.
SAME DAY AS THE MEETING
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Include the spouse
Estate planning decisions always involve a spouse. A video link the client can forward does your presenting for you — and gets the conversation happening at home before your next meeting.
BEFORE THE NEXT MEETING
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Sequence across time
Estate planning is rarely a single-product sale. Living trust → estate tax → life insurance → RMD conversion is a natural four-video sequence that builds the case incrementally.
OVER 30-90 DAYS
Want these sequences running automatically?
Want these sequences running automatically?
Advisor Growth members get done-for-you campaign execution — the right estate life insurance video delivered to the right client at the right moment, automatically. Estate planning conversations unfold over months; automated sequencing keeps clients engaged the entire time.
Frequently asked questions
Frequently asked questions
How do advisors open estate planning conversations without being estate attorneys?
How do advisors open estate planning conversations without being estate attorneys?
WebPrez estate life insurance videos are designed specifically to open and advance estate planning conversations without requiring the advisor to have a legal background. Each video explains a specific concept — living trusts, estate taxes, final expense planning, life settlements — in plain language the client can watch independently after a meeting. The advisor's job is to identify the relevant situation using the Send When trigger and send the video link the same day. The video does the explaining; the advisor does the advising.
Can advisors track whether clients have watched the videos?
Can advisors track whether clients have watched the videos?
Yes. WebPrez tracks whether each video link was opened and viewed, so advisors can follow up with specific context — referencing what the client watched rather than starting the conversation from scratch. This allows advisors to contact clients at exactly the right moment, when engagement is highest, rather than sending generic follow-up calls on a fixed schedule.
Are these estate planning videos appropriate for clients who already have a will or trust?
Are these estate planning videos appropriate for clients who already have a will or trust?
Yes. Many of the most valuable estate planning conversations happen with clients who already have basic documents in place but haven't integrated life insurance into their strategy. Videos like Leaving Tax-Free Assets to Your Family, the Estate Tax Insurance Trust, and the RMD Conversion are specifically designed for clients who have done some planning but are missing the life insurance component that would dramatically increase their estate's efficiency.
What is the difference between the Essentials and Advisor Growth plans for estate planning conversations?
What is the difference between the Essentials and Advisor Growth plans for estate planning conversations?
Essentials gives advisors full access to the estate life insurance video library and campaign tools to manage themselves. Advisor Growth is a done-for-you service where WebPrez builds, schedules, and sends estate planning video sequences to the right client segments automatically. Estate planning conversations typically unfold over a longer time horizon than other insurance conversations, making automated multi-video sequencing especially valuable for keeping clients engaged between touchpoints.
How many total videos are in the WebPrez library?
How many total videos are in the WebPrez library?
The WebPrez library contains 150+ client education videos across ten categories: Family Life Insurance, Retirement Life Insurance, Estate Life Insurance, Business Life Insurance, Fixed and Indexed Annuities, Healthcare Insurance, Employee Benefits, Financial Security, Recruiting, and Referrals.
The estate life insurance category contains 16 videos covering estate planning basics, living trusts and probate avoidance, estate taxation, final expense insurance, life settlements, special needs trusts, planned giving and charitable remainder trusts.
The estate life insurance category contains 16 videos covering estate planning basics, living trusts and probate avoidance, estate taxation, final expense insurance, life settlements, special needs trusts, planned giving and charitable remainder trusts.
Estate life insurance video content for insurance agents and financial advisors
WebPrez provides insurance agents and financial advisors with done-for-you client education videos covering the full range of estate and legacy conversations. The estate life insurance video library includes content on end-of-life directives and estate planning basics, living trusts and probate avoidance, six uses of estate life insurance, estate taxation and forced liquidation risk, the Estate Tax Insurance Trust strategy, final expense insurance, life settlements, asset-based long-term care life insurance under IRS Section 7702B, single premium life insurance for elder care, the Home Equity Conversion Mortgage (HECM) reverse mortgage, special needs trusts, planned giving with life insurance, the Charitable Remainder Trust and Asset Replacement Trust combination, RMD conversion to tax-free inheritance, joint life second-to-die policies, split dollar family banking for grandchildren, and participating whole life as a cash reserve asset class. Each video is delivered through a branded advisor landing page and integrates with any email marketing campaign or automated follow-up sequence.
How estate planning videos support advisor marketing strategy
Estate planning is one of the most commonly deferred conversations in financial services — clients know they need to address it and consistently avoid it. The WebPrez estate life insurance video library gives advisors a repeatable financial advisor content marketing system for breaking through that avoidance: a specific video for each estate planning concept, sent the same day as the conversation, in plain language the client can watch independently and share with a spouse. For insurance agents working with clients who already have basic estate documents, many of these videos open conversations about life insurance's role in the estate that no other professional has addressed. Advisor Growth members receive fully automated estate planning campaign execution, ensuring consistent follow-up across the longer time horizons these conversations require.
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