Living Trustify Review 2026: Complete Estate Plan Online for $349

A Complete Estate Plan for $349, and Why That Number Matters More Than You Think

Most families don’t think about estate planning until something forces them to. A parent passes away. A spouse gets a diagnosis. A sibling’s estate gets tangled in probate court for over a year, and suddenly everyone in the family is paying attorneys to argue over things that should have been settled in an afternoon.

According to the American Bar Association, the average probate process takes 16 months and costs between 3% and 8% of the estate’s total value. For a $500,000 estate, that translates to $15,000 to $40,000 in court fees, attorney fees, and executor compensation. Those are dollars that were supposed to go to the people you love.

Living Trustify offers a complete estate plan online for $349. That single price includes a living trust, a will, durable power of attorney, an advance healthcare directive, and HIPAA authorization. All 50 states. Attorney-drafted documents. About 15 minutes from start to finish. In a space where most families either overpay for an attorney or gamble on a free template that may not hold up in court, that price point deserves a closer look.

What Living Trustify Actually Gives You for $349

The reason this price matters is not just because it’s low. It matters because of what’s included. Most online estate planning services sell a living trust as one product, then charge separately for power of attorney, healthcare directives, and other documents your estate actually needs to function. By the time you’ve added everything, you’re often past $500 or $600.

Living Trustify’s $349 package includes all five core documents:

• Revocable Living Trust: The foundation. This is what keeps your estate out of probate court and puts your assets under your control while you’re alive, with clear instructions for when you’re not.
• Last Will and Testament: Covers anything not titled into the trust, names guardians for minor children, and provides a safety net for assets that didn’t make it into the trust before your passing.
• Durable Power of Attorney: Appoints someone you trust to handle your financial decisions if you become incapacitated. Without this, your family may need a court order to pay your bills or manage your accounts.
• Advance Healthcare Directive: Puts your medical wishes in writing so your loved ones are never forced to guess what you would have wanted. The National Institute on Aging identifies this as one of the most important documents any adult can have, regardless of age.
• HIPAA Authorization: Allows your designated contacts to access your medical records. Without it, privacy laws can prevent your own family from getting the information they need during an emergency.

That’s every document most estate planning attorneys would include in a package that typically costs $1,500 to $4,000 depending on your state and the complexity of your estate.

How the Process Works

Living Trustify uses an interview-style questionnaire that walks you through each decision point. You answer questions about your assets, your beneficiaries, who you want handling your affairs, and your healthcare preferences. The platform generates your complete document package based on your answers, customized to your state’s legal requirements.

You review everything on screen before finalizing. Nothing gets locked until you confirm it. Once complete, Living Trustify provides detailed execution instructions explaining how to properly sign and notarize each document according to your state’s specific requirements. The entire process takes about 15 minutes for most people.

The platform was founded by estate planning attorneys, not a tech startup that hired legal consultants after launch. That distinction matters because the document templates and the questionnaire logic were built by people who have actually guided families through this process in person. Living Trustify currently holds a 4.8 out of 5 rating on Trustpilot, with customers consistently citing the speed and clarity of the process.

The Real Cost of Not Having a Living Trust

The conversation about estate planning is almost always framed around cost. How much does a trust cost? How much does a will cost? How much does an attorney charge? But the more honest question is: how much does it cost your family when you don’t have one?

Probate is the legal process your estate goes through when there’s no trust in place, or when assets weren’t properly titled into an existing trust. It is public, it is slow, and it is expensive. According to data compiled by ProbateCalculator.org, probate costs typically consume 3% to 7% of an estate’s gross value. In states like California and New York, those costs are among the highest in the country.

Beyond the financial damage, probate puts your family’s private affairs into public record. Anyone can look up what you owned, who inherited it, and whether there were disputes. For families already carrying the weight of grief, adding 12 to 18 months of court proceedings and legal fees creates a burden that compounds at exactly the wrong time.

A living trust sidesteps probate entirely. Your assets transfer to your beneficiaries according to your instructions, on your timeline, without court involvement. The $349 you spend today with Living Trustify is not an expense. It is the cost of making sure your family never has to stand in front of a judge to access what you intended to leave them.

How Living Trustify Compares

There is no shortage of online estate planning platforms, and several of them are genuinely good. The right choice depends on what you need most.

If you want the most guided experience with optional one-on-one attorney consultations, Trust & Will is worth considering. Their trust-based estate plan starts at $399 for individuals and includes a dedicated support team. For families who want professional hand-holding through the process, that investment in guided support can provide real peace of mind.

If your primary concern is organizing and storing your important documents, end-of-life wishes, and digital legacy in one secure place, LVED approaches estate planning from a completely different angle. Their digital vault and legacy platform focuses on ensuring your loved ones can actually find and access everything when the time comes.

Where Living Trustify stands apart is value per dollar on the legal documents themselves. At $349, their package includes the trust, the will, and all three incapacity documents (power of attorney, healthcare directive, HIPAA authorization) at a price point where many competitors are still only offering the trust. For families whose priority is getting every critical legal document completed at the lowest responsible cost, this is the strongest option on the market right now.

Who Built This Platform

Living Trustify was created by estate planning attorneys who spent years watching families delay planning because the two available paths were both broken. Hiring an attorney costs $1,500 to $4,000 and requires scheduling consultations, waiting for drafts, and paying for revisions. Free online templates offer no legal customization, no state-specific compliance, and no guarantee they’ll hold up when your family actually needs them.

Living Trustify was designed to sit between those two extremes: attorney-drafted documents at a price that removes the excuse to keep waiting. The platform uses bank-level encryption for all personal data and provides state-specific legal formatting so your documents meet the requirements where you live.

Who This Is For and Who Should Look Elsewhere

Living Trustify is built for a specific type of person, and being honest about that is more useful than pretending it works for everyone.

This is for you if:

• You want a complete estate plan (trust, will, POA, healthcare directive, HIPAA) at the lowest total cost
• You’ve been putting off estate planning because the process felt too expensive or too complicated
• Your estate is relatively straightforward: a home, retirement accounts, savings, personal property, and clear beneficiaries
• You need incapacity documents (power of attorney and healthcare directive) and don’t want to pay extra for them
• You want attorney-drafted documents without attorney-level pricing

You should look elsewhere if:

• Your estate involves business interests, rental properties across multiple states, or complex tax situations. An estate planning attorney is the right call for that level of complexity.
• You need a special needs trust for a dependent with disabilities. That requires specialized legal drafting that no online platform should attempt to replace.
• You want an in-person consultation and someone reviewing your specific situation line by line. Trust & Will offers optional attorney consultations that may serve you better.
• Your priority is document storage and digital legacy organization rather than legal document creation. LVED’s digital vault platform is built specifically for that.

Getting Started

1. Gather your basics. Know who you want as your beneficiaries, who you trust to manage your finances if you can’t, and who you want making medical decisions on your behalf. You don’t need account numbers or property deeds to start.
2. Answer the questionnaire. Living Trustify’s interview walks you through each decision point. Most people finish in about 15 minutes.
3. Review your documents. Read everything on screen before finalizing. Make sure names are spelled correctly, beneficiary designations are accurate, and your healthcare wishes reflect what you actually want.
4. Sign and notarize. Living Trustify provides state-specific instructions for execution. Most documents require notarization and witnesses. Your local bank, UPS store, or shipping center typically offers notary services for a small fee.
5. Fund your trust. This is the step most people forget. A trust only protects assets that are titled into it. Retitle your home, bank accounts, and investment accounts into the name of your trust. Living Trustify’s instructions cover this process.

The entire process, from answering the first question to holding your signed documents, can be completed in a single afternoon. For $349, that afternoon could save your family tens of thousands of dollars and over a year of probate court.

Frequently Asked Questions About Living Trustify Estate Planning Solutions

Is Living Trustify a law firm?

No. Living Trustify is an online estate planning platform founded by estate planning attorneys. The platform generates attorney-drafted, state-specific legal documents through a guided questionnaire. It is not a law firm and does not provide individualized legal advice. If your estate involves complex tax situations, business interests, or special needs planning, consulting a licensed estate planning attorney in your state is the better path.

What documents are included in the $349 package?

The $349 package includes five documents: a revocable living trust, a last will and testament, a durable power of attorney, an advance healthcare directive, and a HIPAA authorization. These are the core documents most estate planning attorneys include in a complete estate plan. Many online competitors charge $349 or more for the trust alone, then sell the remaining documents separately.

Does Living Trustify work in my state?

Yes. Living Trustify operates in all 50 states. Documents are customized to meet the legal requirements of your specific state, including signing, notarization, and witness rules. State-specific execution instructions are provided with your completed documents.

How long does the process take?

Most people complete the entire questionnaire in about 15 minutes. The platform walks you through each decision point, and your documents are generated immediately after you finish. You can review everything on screen before finalizing. The total time from starting the questionnaire to holding printable documents is typically under 30 minutes.

What is the difference between a living trust and a will?

A will takes effect only after you pass away and must go through probate court before your assets can be distributed. A living trust takes effect immediately, holds your assets during your lifetime, and transfers them directly to your beneficiaries when you pass, bypassing probate entirely. Probate typically takes 12 to 18 months and costs 3% to 8% of the estate’s value. A living trust avoids both the delay and the cost. Living trusts and wills serve different purposes, and most complete estate plans include both.

Do I still need a will if I have a living trust?

Yes. A will acts as a safety net for any assets not titled into your trust at the time of your passing. It also allows you to name guardians for minor children, which a trust cannot do. Living Trustify’s $349 package includes both documents because a trust without a will leaves gaps that could force your family into court.

What happens if I need to make changes later?

A revocable living trust can be amended at any time while you are alive and mentally competent. Life changes like marriage, divorce, the birth of a child, or acquiring new property are common reasons to update your documents. Living Trustify allows you to update your estate plan through the platform as your circumstances change.

Is my personal information secure?

Living Trustify uses bank-level encryption to protect all personal and financial information entered on the platform. Your data is encrypted in transit and at rest. No documents are shared with third parties.

What does “funding the trust” mean, and do I have to do it myself?

Funding a trust means retitling your assets (home, bank accounts, investment accounts) into the name of your trust. This is the step that actually activates the trust’s protection. Without funding, the trust exists on paper but does not control your assets, which means they could still go through probate. Living Trustify provides instructions for funding, but the retitling itself is something you complete with your bank, brokerage, or county recorder’s office.

How does Living Trustify compare to hiring an attorney?

An attorney-prepared estate plan typically costs $1,500 to $4,000 depending on your state and the complexity of your estate. Living Trustify delivers the same core documents for $349. The tradeoff is personalized legal advice: an attorney can evaluate your specific situation, identify risks unique to your family, and handle complex structures like special needs trusts or business succession planning. For families with straightforward estates who need solid legal documents without the attorney price tag, Living Trustify is a strong option. For complex estates, an attorney remains the better investment.

Other Helpful Resources

• Estate Planning for Families with Special Needs: The Complete Protection Guide
• How to Find a Special Needs Estate Planning Attorney Who Actually Knows What They’re Doing
• Creating Obituaries for Young Lives: Addressing Sudden Loss
• Do Executors Need a Probate Lawyer? When Going Without a Probate Attorney Becomes Dangerous
• How to Protect Your Special Needs Child’s Benefits from Family Inheritances: The Essential Conversation Guide