Your staff make a warm intro. We do everything after it — the call, the licensed advisor, the will, the power of attorney, the healthcare directive, and the report back to you.
Most of your members do not have a will. It is the gap they feel and cannot easily close. Closing it is member service first, and only then a revenue line.
Nothing to build, nothing to staff. You add one line to your member benefits page and give branch staff a short script. The program is live the week you sign.
A death in the family, a new home, a business sale. These are the moments members go looking outside the credit union. When you have somewhere to send them, they come back to you.
There is a revenue share, and we publish the math below. It is real but modest. If revenue is the reason you are evaluating this, the numbers will disappoint you — the member value is the case.
We also handle life insurance, retirement accounts, annuities, business succession and debt planning. None of that is on the table at signing. Once the estate documents program is running and your team trusts the workflow, we can talk about adding one more.
A worked example for a 12-branch credit union at referral volumes we have actually seen, not at the volumes a pitch deck assumes. Nobody's budget is changed by this figure.
The reason to run the program is that 21 member families end the year with a will who did not have one, and they got it through you. Treat the revenue share as it is: it pays for the staff time and a little more.
Illustrative. Referral volume, close rate and revenue per case vary by member base and by state. We will run this with your own numbers on the call.
The usual reason a program like this dies is not compliance nerves. It is that a five-figure revenue line does not justify a third-party risk review that costs staff weeks. That is a fair objection, so here is how we try to answer it.
Certificate of insurance, W-9, financials, BCP, subcontractor list, sample licenses. Your risk team starts with a complete file instead of a questionnaire round-trip.
No core integration, no member account data, no funds movement, no system access. That narrows the scope of the review considerably.
If the review still costs more than the revenue justifies, say so on the call. We would rather you decline in week one than stall in month four.
We do not hold a SOC 2 report. We are not going to describe ourselves as aligned with one. Below is what is true and what we can hand your vendor management team.
Every member-facing piece carries the required Not FDIC/NCUA Insured · Not Bank/Credit Union Guaranteed · May Lose Value language, per FRB/OCC/FDIC/NCUA interagency guidance.
Referral data moves over TLS 1.2 or higher. We store name, contact details and the referring branch — no account numbers, no balances, no core data. Access is role-limited and logged. Our subprocessor list is short and we name every one of them in the diligence packet.
Every advisor holds current state licensure, has passed a background check, and carries errors and omissions coverage. Insurance activity is conducted only by appropriately licensed representatives.
Certificate of insurance, W-9, financial statements, business continuity plan, subcontractor list, and sample advisor licenses. Sent as one file, usually same day.
All member-facing material is co-branded from templates your marketing and compliance teams sign off on before anything goes out.
No cold calls, no pressure tactics, no product-first pitches. Warm intros only, a documented complaint escalation path, and records available for your audits.
Required disclosure carried on all member-facing materials: Not FDIC/NCUA Insured · Not Bank/Credit Union Guaranteed · May Lose Value · Not a Deposit · Not Insured by any Federal Government Agency.
No new software for your staff, no changes to your core. Branch staff pass along a name; licensed advisors do the rest.
A short form with the member's name and contact details. No core integration, no new system to learn.
A licensed advisor reaches out on your behalf, using the co-branded language your compliance team approved.
Will, power of attorney, healthcare directive, and a trust where it fits. You get a monthly report on referrals and outcomes.
We have served 400+ members over four years, but not yet inside a named credit union program we can publish. Rather than dress up a statistic, here is the offer for the institution that goes first.
If you are a CEO, a VP of Member Experience, or a business development lead looking for something concrete to give members this year, this is the conversation.
Ask for the diligence packet and read it before you speak to anyone. Or take a 20-minute call and we will run the economics with your own member numbers. No follow-up sequence either way.