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Attorney Partnership Tool
The SmartLock™ Estate Analysis
Your Client's Situation
Funded from a retirement account
Money pulled out to pay for care also owes income tax. IRA, 401(k), 403(b), etc.
Extra dollars that reach heirs
$0
Difference between the two scenarios below.
Without SmartLock™
Estate value to heirs
$0
After paying for care directly from the estate.
With SmartLock™
Estate value to heirs
$0
Remaining estate after the policy pays for care.
This case assumes:
The policy benefit stays level
Care costs rise 3% per year
The rest of the estate holds flat
Monthly care benefit
$0
What the policy pays toward care
Death benefit
$0
Goes straight to heirs at death
Pulled out of the estate
$0
No longer exposed to care costs
Run this case with Y-UFinancial.
We work alongside estate planning and elder law attorneys to put strategies like this in place. We handle the policy design, the illustrations, and the carrier work.
For attorney use only. This is an estimate based on the numbers you enter and current SmartLock™ pricing. Actual policy amounts depend on health review, current rates, and carrier approval. Medicaid rules vary by state and can change. This tool is not legal, tax, or insurance advice.
