Everything your family needs. In one plan.
The Signature Legacy Plan isn't a policy. It's a complete strategy — coverage, funeral planning, legal documents, written wishes, and a real advisor who stays with your family long after the paperwork is done.
What's included
Six layers. One complete legacy.
Insurance Coverage
Your advisor matches you across 50+ A-rated carriers — final expense, term life, disability, long-term care, annuities, and Medicare. One plan, no upselling.
- Final expense ($5K–$25K)
- Term life ($100K–$500K+)
- Disability income replacement
- Long-term care coverage
- Fixed & index annuities
- Medicare plan optimization
Funeral Planning
Pre-select your funeral home, service tier, and preferences now — so your family never has to make those decisions in a hallway.
- Funeral home pre-selection
- Burial or cremation preference
- Service tier & ceremony wishes
- Pre-funded coverage options
- Price locked at today's rates
Legal Documents
A will, power of attorney, and healthcare directive are the legal layer that makes your plan enforceable. We partner with LawDepot to make this simple.
- Last will & testament
- Power of attorney
- Healthcare directive / living will
- HIPAA authorization
- Beneficiary designations
*VeraLife may earn a referral fee from this link at no cost to you.
Written Wishes & Legacy Letter
Document what matters most — your final instructions, messages to your family, and the values you want to pass on. Stored in your portal forever.
- Final instructions
- Personal legacy letter
- Messages for loved ones
- ICE contacts
- Digital asset inventory
Estate & Asset Documentation
A structured record of your accounts, property, insurance policies, and debts — so your family isn't left searching.
- Bank & investment accounts
- Property & mortgage details
- Insurance policy registry
- Debt & subscription list
- Digital accounts & passwords vault
Family Coordination
Adult children are invited into your plan as family members. They get access to the portal, the documents, and the advisor — so everyone is ready.
- Adult children added to portal
- "Have the Conversation" guide
- Family emergency contact plan
- Advisor available to the household
- Annual check-in at life events
The process
Four steps. About three minutes.
Choose your door
Are you building your own legacy, or helping a parent? Two paths, built for two very different conversations.
Build your plan
Answer a few questions about coverage, preferences, and wishes. Your advisor reviews everything before anything is finalized.
Meet your advisor
Kerlan Lovell reviews your plan personally, matches you to the right carriers, and stays assigned to your household — not just your policy.
Your family inherits the plan
Your Legacy Plan Bundle — documents, wishes, coverage, funeral preferences — lives in your portal. Your family accesses it when the moment comes.
Your advisor
Kerlan Lovell — Founder & Lead Advisor
NPN 21426840 · Licensed in 17 states · Veteran-owned · Minority-owned
Kerlan founded VeraLife to give families a calmer, more honest path through legacy planning. He reviews every plan personally and stays assigned to your household — not just your policy.
Common questions
Before you start
Is this only for seniors?
No. We have two paths — one for adults 52–72 building their own legacy, and one for adult children 35–55 who want to help a parent get their affairs in order. Both lead to the same complete plan.
Do I need a medical exam?
Often no. Many final expense and term carriers offer accelerated underwriting — no exam, decision in days. Your advisor will tell you upfront what each carrier requires.
What does it cost?
Nothing to build the plan. Your advisor matches you to carriers across coverage and budget — you only pay for the coverage you choose. There's no fee to work with VeraLife.
What about the legal documents?
We partner with LawDepot for wills, POA, and healthcare directives. You can start a free trial directly from your portal after your plan is active.
What happens to my plan when I pass away?
Your family accesses your Legacy Plan Bundle through the portal — coverage details, funeral preferences, legal documents, and your written wishes are all in one place, ready to use.