It's a set of legal documents that say what should happen to your things — and, if you have kids, who should care for them — if you pass away or can't manage your own affairs. Most plans include a will or a trust, a durable power of attorney for finances, a healthcare power of attorney, final wishes, and a guardianship designation for minor children.

If you have a family, a home, a savings account, or kids — yes. Without an estate plan, the state you live in decides how your things are distributed. That usually isn't what you would have chosen, and it adds stress and cost for the people you love at the worst possible time.

Yes. "Estate" sounds like it means mansions and inheritances, but legally it just means everything you own. A checking account. A car. A phone. If you have kids, it includes who raises them. Everyone benefits from a plan.

If you have significant assets, multiple properties, business interests, or complex family situations, an estate attorney is the right call. For most people with a more straightforward setup, the MHV Digital Estate Kit covers what you need.

No. The tool walks you through every step with plain-language questions, helpful tips, and short videos. If you get stuck, there's an email help line you can reach any time.

Legally valid documents:

• Last will and testament
• Living will
• Power of attorney
• Pet trust and instructions
• Guardianship directions
• Final instructions
• Property distribution instructions — and more

Plus, a secure digital vault for your documents, titles, deeds, and insurance policies — and a dashboard that shows your full financial picture at a glance.

Cancel any time before your renewal date. Many members get everything they need in year one. If your life changes — a new baby, a new home, a divorce, a move — renewing lets you keep the plan current without starting over.