Estate Planning Assessment

Is Your Family Protected
if Something Happens Today?

Without the right documents in place, your assets could end up in the wrong hands, tied up in probate for years, or distributed by a judge who doesn't know your family.

Find My Estate Planning Gaps — Free →

4 minutes  ·  No signup required  ·  Not a sales pitch

67%
of Americans have no will or estate plan
18 mo.
Average time a family spends in probate court
5%
of estate value typically lost to probate costs and fees
Overrides
Beneficiary forms override your will — always
How This Assessment Works
A focused estate-planning checkup — find the documents you're missing and the ones that are out of date.

Answer 12 targeted questions about your will, trust, beneficiary designations, and powers of attorney. Get an Estate Planning Score with state-specific risks called out. No jargon. No sales call.

Find your document gaps
Will, revocable trust, financial POA, healthcare directive, HIPAA release, beneficiary designations — we check which you have, which are current, and which you're missing.
See state-specific risks
Probate thresholds, intestacy rules, community-property issues, and state estate taxes vary widely. Your gaps are flagged against the rules where you live.
Get a priority-ranked plan
Each gap comes with severity, cost estimate, and the exact questions to bring to an estate-planning attorney — so the first paid hour is spent on your situation, not definitions.

Not a law firm. Not legal advice. Sema Legacy is an educational tool that helps you prepare — so the conversations with your attorney are better and cheaper.

What Happens When There's No Plan

Estate planning failures aren't hypothetical. They happen to real families — and they're almost always 100% preventable.

01
Critical
Your family can't access anything until a court allows it
Without a trust, your estate goes through probate — a public court process taking 12–24 months and costing thousands in legal fees, while your family waits with no access to funds.
02
Critical
Outdated beneficiary designations trump your will — every time
Your 401(k) and life insurance go to whoever is named on the form — even an ex-spouse — regardless of what your will says. Most people haven't reviewed these in years.
03
High Risk
No Power of Attorney means a court decides who helps you
Without a POA, your family must petition a court for legal authority to manage your finances or make medical decisions — even in an emergency. This process costs thousands and takes months.
04
Critical
A direct inheritance disqualifies a special needs child from benefits
Leaving money directly to a child with disabilities — even a small amount — can permanently disqualify them from SSI and Medicaid. A Special Needs Trust prevents this entirely.

What Your Free Assessment Reveals

12 questions. A personalized score. A clear priority list of what to fix first.

✓
Whether your will, trust, and beneficiary designations are current and aligned
✓
If you have the right Powers of Attorney and Healthcare Directives
✓
Whether your estate will go through probate — and how to avoid it
✓
If you have a child with special needs, whether their benefits are fully protected
✓
State-specific rules that affect your estate plan where you live
✓
A prioritized action checklist ranked by urgency, with step-by-step guides

Three Steps. Four Minutes.

No login. No credit card. No sales call.

1

Answer 12 Questions

About your documents, family situation, and assets. No sensitive data required.

2

See Your Score

Get your Estate Planning Score and top gaps instantly — completely free.

3

Follow Your Plan

Unlock step-by-step guides personalized to your state's laws and your situation.

What It's Worth

For $39/month, protect an estate worth 100× more

Estate planning mistakes don't just cost money — they cost family relationships, decades of savings, and your ability to control what happens to the people you love.

No Will
Dying intestate (without a will)
$15,000–$50,000
in probate court fees, legal costs, and delays — and the state, not you, decides who gets what
Wrong Beneficiaries
Outdated or missing beneficiary designations
20–40% of an estate
can be lost to unintended taxes or go to the wrong person — beneficiaries override your will entirely
No Trust
Assets passing through probate instead of a trust
$10,000–$80,000+
in avoidable probate costs and delays — trusts pass assets directly, privately, and immediately
No Power of Attorney
Incapacity without a POA in place
$5,000–$20,000
in court-ordered guardianship costs — without a POA, a judge appoints someone to manage your affairs
Common estate mistakes cost families
$50,000–$300,000
vs
Sema Legacy annual cost
$349/year

One properly drafted will costs $300–$1,500. Sema Legacy shows you exactly what you need — before you spend a dollar on an attorney.

Document Vault
Store, organize, and AI-analyze your important documents

Upload your will, trust, insurance policies, and healthcare directives. Sema Legacy keeps them organized by topic — and AI reads them to flag what's outdated or missing.

Secure upload — PDF, images, Word
AI document analysis
Smart document checklist
Organized by topic
Never shared with third parties  ·  Included with your plan
Free Assessment

Find Out What's Missing Before It's Too Late

Don't let a court decide what happens to your family. It takes 4 minutes to find out where you stand.

Start My Free Estate Planning Assessment →

4 minutes  ·  No signup  ·  Not a sales pitch

Educational Use Only. Sema Legacy provides educational information, not legal advice. Estate planning laws vary significantly by state. Always consult a qualified estate planning attorney.