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Getting started is easy, fast and free.","Access high-quality leads in minutes with UnbiasedPro","Get perfect clients now.","If you're looking for the perfect clients we'll deliver them straight to your inbox and give you the tools to manage them throughout the sales process.",[705],{"_uid":706,"title":707,"CTAText":708,"subtitle":709,"component":710,"errorTitle":711,"description":712,"successTitle":713,"errorSubtitle":714,"successSubtitle":715,"consentCheckboxLabelText":716,"errorMesageFirstNameError":717,"consentCheckboxLabelLinkURL":656,"consentCheckboxLabelLinkText":718,"errorMessageRequiredFieldEmail":719,"errorMessageIncorrectEmailFormat":720,"errorMessageRequiredFieldConsent":721,"errorMessageRequiredFieldInterest":722,"errorMessageRequiredFieldFirstName":723},"8ca4fd8f-da99-489f-aa1b-fcfabdd8b7e3","Get the latest news and tips","Sign up for email updates","Sign up for news that may impact your finances","sidebar-email-signup","Sorry, there was a technical problem","Receive the 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die?",[854,855],{"type":38},{"type":129,"attrs":856},{"color":12},{"text":858,"type":22,"marks":859},"  ",[860],{"type":129,"attrs":861},{"color":12},{"type":18,"content":863},[864],{"text":865,"type":22,"marks":866},"If you have a retirement plan such as an IRA or 401(k) and want your savings to pass to a family member or loved one, you must designate a beneficiary when you open your account.   ",[867],{"type":129,"attrs":868},{"color":12},{"type":18,"content":870},[871],{"text":872,"type":22,"marks":873},"Accounts and policies that have designated beneficiaries will be passed directly to them upon your death. 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",[992,993],{"type":38},{"type":129,"attrs":994},{"color":12},{"text":858,"type":22,"marks":996},[997],{"type":129,"attrs":998},{"color":12},{"type":18,"content":1000},[1001],{"text":1002,"type":22,"marks":1003},"Estate planning involves getting your affairs in order and deciding how you want your assets to be distributed in the event of your death or if you become unable to make your own decisions.   ",[1004],{"type":129,"attrs":1005},{"color":12},{"type":18,"content":1007},[1008,1013,1022],{"text":1009,"type":22,"marks":1010},"It’s never too early or too late to start ",[1011],{"type":129,"attrs":1012},{"color":12},{"text":1014,"type":22,"marks":1015},"estate planning",[1016,1019,1021],{"type":31,"attrs":1017},{"href":1018,"uuid":34,"anchor":34,"target":824,"linktype":36},"https://www.unbiased.com/discover/retirement/what-is-estate-planning",{"type":129,"attrs":1020},{"color":12},{"type":828},{"text":1023,"type":22,"marks":1024},". ",[1025],{"type":129,"attrs":1026},{"color":12},{"type":18,"content":1028},[1029],{"text":1030,"type":22,"marks":1031},"If you’re embarking on this journey, one of the first things you need to do is take stock. ",[1032],{"type":129,"attrs":1033},{"color":12},{"type":18,"content":1035},[1036],{"text":1037,"type":22,"marks":1038}," List your investments, retirement accounts, insurance policies, debts, valuable items (both financial and emotional), real estate, and any other assets you can think of, and decide what you would like to happen to them. ",[1039],{"type":129,"attrs":1040},{"color":12},{"type":18,"content":1042},[1043],{"text":1044,"type":22,"marks":1045},"You should also consider who you want to handle your affairs if you can no longer do it.   ",[1046],{"type":129,"attrs":1047},{"color":12},{"type":764,"attrs":1049,"content":1050},{"level":766},[1051,1057],{"text":1052,"type":22,"marks":1053},"What do I need to include in my estate plan?",[1054,1055],{"type":38},{"type":129,"attrs":1056},{"color":12},{"text":775,"type":22,"marks":1058},[1059],{"type":129,"attrs":1060},{"color":12},{"type":18,"content":1062},[1063],{"text":806,"type":22,"marks":1064},[1065],{"type":129,"attrs":1066},{"color":12},{"type":18,"content":1068},[1069],{"text":1070,"type":22,"marks":1071},"This legally binding document should contain all your wishes and clearly state what happens to your assets after your death. ",[1072],{"type":129,"attrs":1073},{"color":12},{"type":18,"content":1075},[1076],{"text":1077,"type":22,"marks":1078},"It will also name the person in charge of your estate – your executor.    ",[1079],{"type":129,"attrs":1080},{"color":12},{"type":18,"content":1082},[1083],{"text":1084,"type":22,"marks":1085},"Some people also opt to include a trust as part of their planning. This lets you put conditions on how you want specific assets to be distributed. ",[1086],{"type":129,"attrs":1087},{"color":12},{"type":18,"content":1089},[1090],{"text":1091,"type":22,"marks":1092},"You specify an individual, the “trustee,” to oversee how the assets you leave are managed for particular beneficiaries. For example, if you have young children or older relatives who cannot manage their own affairs, a trust will help them.    ",[1093],{"type":129,"attrs":1094},{"color":12},{"type":18,"content":1096},[1097],{"text":1098,"type":22,"marks":1099},"Finally, it’s crucial you have some tough conversations. ",[1100],{"type":129,"attrs":1101},{"color":12},{"type":18,"content":1103},[1104],{"text":1105,"type":22,"marks":1106},"Lack of communication is one of the most common mistakes surrounding estate planning. ",[1107],{"type":129,"attrs":1108},{"color":12},{"type":18,"content":1110},[1111],{"text":1112,"type":22,"marks":1113},"Tell your loved ones your plans and explain why you have made your decisions. While it may not be the cheeriest conversation, it will help make the process smoother when you pass away.  ",[1114],{"type":129,"attrs":1115},{"color":12},{"type":18,"content":1117},[1118],{"text":1119,"type":22,"marks":1120},"Despite its complexity, estate planning is extremely beneficial. You can specify precisely to whom you want to give your assets, and your wishes will be legally binding. ",[1121],{"type":129,"attrs":1122},{"color":12},{"type":18,"content":1124},[1125],{"text":1126,"type":22,"marks":1127},"It also provides reassurance that your affairs will be in order after you’re no longer here, dodging messy disputes or drama.    ",[1128],{"type":129,"attrs":1129},{"color":12},{"type":18,"content":1131},[1132,1137,1144],{"text":1133,"type":22,"marks":1134},"As you can see, estate planning can be a complex and arduous process, so getting professional help from a ",[1135],{"type":129,"attrs":1136},{"color":12},{"text":820,"type":22,"marks":1138},[1139,1141,1143],{"type":31,"attrs":1140},{"href":55,"uuid":34,"anchor":34,"target":824,"linktype":36},{"type":129,"attrs":1142},{"color":12},{"type":828},{"text":1145,"type":22,"marks":1146}," and lawyer is recommended when drawing up your wishes.   ",[1147],{"type":129,"attrs":1148},{"color":12},{"type":764,"attrs":1150,"content":1151},{"level":766},[1152,1158,1163,1169],{"text":1153,"type":22,"marks":1154},"Should I still get life insurance",[1155,1156],{"type":38},{"type":129,"attrs":1157},{"color":12},{"text":1159,"type":22,"marks":1160}," ",[1161],{"type":129,"attrs":1162},{"color":12},{"text":1164,"type":22,"marks":1165},"when I retire?",[1166,1167],{"type":38},{"type":129,"attrs":1168},{"color":12},{"text":775,"type":22,"marks":1170},[1171],{"type":129,"attrs":1172},{"color":12},{"type":18,"content":1174},[1175,1184],{"text":1176,"type":22,"marks":1177},"Life insurance",[1178,1181,1183],{"type":31,"attrs":1179},{"href":1180,"uuid":34,"anchor":34,"target":824,"linktype":36},"https://www.unbiased.com/discover/insurance/what-is-life-insurance-and-how-does-it-work",{"type":129,"attrs":1182},{"color":12},{"type":828},{"text":1185,"type":22,"marks":1186}," ensures your loved ones are protected financially when you’re gone.    ",[1187],{"type":129,"attrs":1188},{"color":12},{"type":18,"content":1190},[1191],{"text":1192,"type":22,"marks":1193},"While not everyone requires life insurance in retirement, some decide to forgo the option once their children have flown the nest and their debts are paid off. ",[1194],{"type":129,"attrs":1195},{"color":12},{"type":18,"content":1197},[1198],{"text":1199,"type":22,"marks":1200},"Others continue their monthly premiums to help their family cover final expenses or leave some tax-free inheritance.   ",[1201],{"type":129,"attrs":1202},{"color":12},{"type":18,"content":1204},[1205],{"text":1206,"type":22,"marks":1207},"As of 2022, 50% of Americans have a life insurance policy, paying, on average, $40 to $55 per month.   ",[1208],{"type":129,"attrs":1209},{"color":12},{"type":18,"content":1211},[1212],{"text":1213,"type":22,"marks":1214},"In exchange for premium payments, usually made monthly or annually, your chosen life insurance provider pays out a lump sum to your family or beneficiaries when you die.   ",[1215],{"type":129,"attrs":1216},{"color":12},{"type":18,"content":1218},[1219,1224,1233],{"text":1220,"type":22,"marks":1221},"Many ",[1222],{"type":129,"attrs":1223},{"color":12},{"text":1225,"type":22,"marks":1226},"different types of life insurance",[1227,1230,1232],{"type":31,"attrs":1228},{"href":1229,"uuid":34,"anchor":34,"target":824,"linktype":36},"https://www.unbiased.com/discover/insurance/the-different-types-of-life-insurance-which-is-best-for-me",{"type":129,"attrs":1231},{"color":12},{"type":828},{"text":1234,"type":22,"marks":1235}," are available to suit various needs and lifestyles. ",[1236],{"type":129,"attrs":1237},{"color":12},{"type":18,"content":1239},[1240],{"text":1241,"type":22,"marks":1242},"One of the biggest benefits of these policies is that compared to other insurance contracts is that there are minimal limits on what your family can choose to spend the money on.   ",[1243],{"type":129,"attrs":1244},{"color":12},{"type":18,"content":1246},[1247],{"text":1248,"type":22,"marks":1249},"Payouts can support your loved ones after your death, helping with anything from funeral costs and outstanding medical bills to covering inheritance and estate taxes and outstanding debt. Additionally, payouts are tax-free.   ",[1250],{"type":129,"attrs":1251},{"color":12},{"type":18,"content":1253},[1254],{"text":1255,"type":22,"marks":1256},"Improper planning or lack of clarity around your wishes can lead to lengthy litigation, high costs, excess taxes, family disputes, and your assets getting into the wrong hands.   ",[1257],{"type":129,"attrs":1258},{"color":12},{"type":18,"content":1260},[1261],{"text":1262,"type":22,"marks":1263},"By getting your affairs in order, you are saving your loved ones a lot of time and potential heartbreak down the line.  ",[1264],{"type":129,"attrs":1265},{"color":12},{"type":764,"attrs":1267,"content":1268},{"level":766},[1269,1275],{"text":1270,"type":22,"marks":1271},"Speak to an expert",[1272,1273],{"type":38},{"type":129,"attrs":1274},{"color":12},{"text":775,"type":22,"marks":1276},[1277],{"type":129,"attrs":1278},{"color":12},{"type":18,"content":1280},[1281],{"text":788,"type":22,"marks":1282},[1283],{"type":129,"attrs":1284},{"color":12},{"type":18,"content":1286},[1287],{"text":1288,"type":22,"marks":1289},"Luckily, this is something you don’t have to do alone. ",[1290],{"type":129,"attrs":1291},{"color":12},{"type":18,"content":1293},[1294],{"text":1295,"type":22,"marks":1296},"An SEC-regulated, fiduciary financial advisor can help you plan for your future and ensure your wishes are adhered to after you go.  ",[1297],{"type":129,"attrs":1298},{"color":12},{"type":18,"content":1300},[1301,1307],{"text":1302,"type":22,"marks":1303},"Matching with a financial advisor perfectly suited to meet your needs is just a few clicks away with Unbiased.",[1304,1305],{"type":38},{"type":129,"attrs":1306},{"color":12},{"text":775,"type":22,"marks":1308},[1309],{"type":129,"attrs":1310},{"color":12},{"type":18,"content":1312},[1313,1322],{"text":1314,"type":22,"marks":1315},"Get started here",[1316,1318,1319,1321],{"type":31,"attrs":1317},{"href":55,"uuid":34,"anchor":34,"target":824,"linktype":36},{"type":38},{"type":129,"attrs":1320},{"color":12},{"type":828},{"text":1323,"type":22,"marks":1324},". ",[1325,1326],{"type":38},{"type":129,"attrs":1327},{"color":12},"article-rich-text",[1330],{"_uid":1331,"image":1332,"title":1335,"component":1347,"breadcrumbs":558},"2c8d8eb4-3096-48d5-bdec-0f55cad1c979",{"alt":12,"name":12,"title":12,"filename":1333,"copyright":12,"fieldtype":1334},"https://a.storyblok.com/f/185166/1430x1074/6d59d0216b/retirement-savings-when-you-die.webp","asset",{"type":15,"content":1336},[1337],{"type":18,"content":1338},[1339,1345],{"text":1340,"type":22,"marks":1341},"Finances after death:",[1342],{"type":25,"attrs":1343},{"class":1344},"primary-gradient",{"text":1346,"type":22}," how to plan for the future","app-hero",{"name":1349,"created_at":1350,"published_at":1351,"updated_at":1352,"id":1353,"uuid":1354,"content":1355,"slug":1365,"full_slug":1366,"sort_by_date":34,"position":1367,"tag_list":1368,"is_startpage":543,"parent_id":1369,"meta_data":34,"group_id":1370,"first_published_at":1371,"release_id":34,"lang":730,"path":34,"alternates":1372,"default_full_slug":34,"translated_slugs":34,"_stopResolving":558},"Rachel Carey","2023-03-28T10:05:08.718Z","2025-01-28T12:05:49.815Z","2025-01-28T12:05:49.832Z",283076789,"b4ce951f-89c7-4ef6-97a8-709dc6d856e1",{"job":1356,"_uid":1357,"name":1349,"image":1358,"component":1361,"education":1362,"expertise":1363,"description":1364},"Senior Content Writer","a6e3129c-eeee-4438-8204-797883981521",{"id":1359,"alt":12,"name":12,"focus":12,"title":12,"filename":1360,"copyright":12,"fieldtype":1334,"is_external_url":543},7792663,"https://a.storyblok.com/f/185166/1199x1257/2401746255/rachel-carey.jpg","article-author","Griffith College Dublin, MA (Hons) in Journalism & Media Communications","Rachel brings over a decade of experience in media, including SEO content writing, marketing, public relations, and broadcast and print journalism.","Rachel is a Senior Content Writer at Unbiased, producing content across a range of different sectors, including personal finance, retirement, and investing. She specializes in simplifying intricate financial terms into clear, engaging content tailored for both B2C and B2B audiences.","rachel-carey","authors/rachel-carey",-10,[],224651374,"024abff2-15a6-4099-8ba2-25c01abe42e8","2023-04-03T07:50:42.397Z",[],[],{"title":1375,"plugin":1376,"og_image":12,"og_title":12,"description":1377,"twitter_image":12,"twitter_title":12,"og_description":12,"twitter_description":12},"Finances after death: how to plan for the future","seo_metatags","This article takes you through what happens to your retirement savings if you or your spouse dies, and how you can adequately prepare. ","app-article",[],[],[],"retirement-savings-when-you-die","discover/retirement/retirement-savings-when-you-die",20,[],365223437,"1b86126c-087f-4e85-88f5-daf0d3b423b7","2023-12-22T10:24:58.917Z",[],{"left":727,"top":727,"width":1391,"height":1391,"rotate":727,"vFlip":543,"hFlip":543,"body":1392},24,"\u003Cpath fill=\"currentColor\" d=\"M3.71 16.29a1 1 0 0 0-.33-.21a1 1 0 0 0-.76 0a1 1 0 0 0-.33.21a1 1 0 0 0-.21.33a1 1 0 0 0 .21 1.09a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1 1 0 0 0 .21-1.09a1 1 0 0 0-.21-.33M7 8h14a1 1 0 0 0 0-2H7a1 1 0 0 0 0 2m-3.29 3.29a1 1 0 0 0-1.09-.21a1.2 1.2 0 0 0-.33.21a1 1 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a.94.94 0 0 0 .76 0a1.2 1.2 0 0 0 .33-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1 1 0 0 0-.21-.33M21 11H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2M3.71 6.29a1 1 0 0 0-.33-.21a1 1 0 0 0-1.09.21a1.2 1.2 0 0 0-.21.33a.94.94 0 0 0 0 .76a1.2 1.2 0 0 0 .21.33a1.2 1.2 0 0 0 .33.21a1 1 0 0 0 1.09-.21a1.2 1.2 0 0 0 .21-.33a.94.94 0 0 0 0-.76a1.2 1.2 0 0 0-.21-.33M21 16H7a1 1 0 0 0 0 2h14a1 1 0 0 0 0-2\"/>",[1394,1397,1398],{"title":1395,"exact":558,"href":1396},"Home","https://www.unbiased.com",{"title":161,"exact":558,"to":174,"disabled":543},{"title":750,"exact":558,"to":1399,"disabled":558},"/discover/retirement/retirement-savings-when-you-die",{"left":727,"top":727,"width":733,"height":733,"rotate":727,"vFlip":543,"hFlip":543,"body":1401},"\u003Cpath fill=\"currentColor\" d=\"m181.66 133.66l-80 80a8 8 0 0 1-11.32-11.32L164.69 128L90.34 53.66a8 8 0 0 1 11.32-11.32l80 80a8 8 0 0 1 0 11.32\"/>",1777540671704]