Zentru Lite — estate planning workspace and Insurance-Funded Family Bank templates
Zentru Lite turns a dividend-paying life insurance policy into your family's private bank — with the templates, charter, and silent reporting that keep wealth lending to the next generation, not strangers.
Insurance-Funded Family Bank
Use a dividend-paying whole life policy as the reservoir. Lend to family. Repay the bank, not a stranger.
Paper-Vault
Document management first. Live balances later. Track milestones, not markets.
Silent Reporting
Quiet annual check-ins that keep heirs informed without ever showing the vault.
Turn a life insurance policy into your family's bank.
A dividend-paying whole life policy holds a growing pool of cash value. Borrow against it to fund a child's first home, a sibling's tuition, or a family business — at family rates. Loans repay the bank. The death benefit eventually refills it. Wealth stays in the family.
- 01Capitalize. Document the funding policy — carrier, cash value, dividend rate.
- 02Charter. Set the lending rules: minimum rate (at or above AFR), terms, approved purposes.
- 03Lend. Authorize a policy loan to a family member with a written repayment schedule.
- 04Refill. Keep beneficiaries aligned so the death benefit eventually recapitalizes the bank.
Required to operate a family bank
Whole Life Policy Summary
Declares the policy that capitalizes the bank.
Family Bank Charter
Rates, terms, approved purposes, default remedy.
Policy Loan Authorization
Draw against cash value with a written repayment schedule.
Beneficiary Designation
Keep the death benefit pointed at the bank or named heirs.
Plus the Family Loan ledger, AFR-aware amortization, and PDF exports of every signed instrument.
One fee. The full plan.
$0
- Letter of Intent template
- Milestone checklist
- Trust Visualizer (read-only)
- Full walkthrough of all 16 templates — Professor + Toddler explanations
$200
- Full 16-template library
- Insurance-Funded Family Bank track (4 templates)
- Silent Reporting calendar
- Certificate of Intent (PDF)
- Scenario comparison + adopt