A complete walk through all sixteen Zentru templates. Each field comes with a Professor explanation — precise, cited — and a Toddler explanation — short, plain, concrete. Pick your track, work top to bottom, and check the box.
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Track · Insurance-Funded Family Bank
Stand up a family bank.
Professor
The Insurance-Funded Family Bank track operationalizes the cash value of a participating whole life policy as an intergenerational lending facility. You will: (1) document the funding policy, (2) charter the lending body, (3) authorize a policy loan against cash value, and (4) align the death benefit so the bank is recapitalized at the insured's mortality.
Toddler
We are going to turn your special insurance into a piggy bank for your family. First we write down what the piggy bank is. Then we write the rules. Then we let someone borrow from it. Then we make sure it gets full again later.
01Document the whole life policy that funds the bank
02Charter the bank: rates, terms, approved purposes, default remedy
03Authorize the first policy loan to a family borrower
04Designate beneficiaries so the death benefit refills the bank
Track · Comprehensive Estate Plan
A complete estate plan.
Professor
The Comprehensive Estate Plan track produces the core instruments required to direct property at death, appoint fiduciaries during incapacity, and provide guidance to heirs. You will execute a will, healthcare proxy, financial power of attorney, guardianship designation (if minor children), inventory of assets, heir verification, and discretionary instruments such as charitable bequest, digital directive, education trust, funeral wishes, and pet care directive.
Toddler
We are going to write down everything important so your family knows what to do. Who gets your stuff. Who takes care of the kids. Who makes doctor choices. Where things are. What you want for your goodbye.
01Write your Letter of Intent — the human voice behind the legal pages
02Execute the Simple Will (with witnesses)
03Appoint a Healthcare Proxy and Power of Attorney
04Name a Guardian (if minor children) and inventory all assets
05Add discretionary documents: charitable, digital, education, funeral, pet
A signed expression of your wishes for heirs and trustees.
Why it exists
Professor
A non-binding precatory writing in which the testator articulates intent, values, and contextual narrative to inform the interpretation of dispositive instruments by fiduciaries and heirs.
Toddler
A letter that says, in your own words, what you want and why. It is not the law, but it helps everyone understand.
Legal effect
Professor
Generally non-binding; courts treat it as evidence of intent rather than a dispositive instrument. May be persuasive in construing ambiguous will provisions (see Restatement (Third) of Property §10.2).
Toddler
It does not force anyone to do anything. But if grown-ups are confused, the judge can read it to figure out what you meant.
How to execute
Professor
Sign and date in the presence of two disinterested witnesses. No notary required, but notarization strengthens evidentiary weight.
Toddler
Sign your name. Have two grown-ups (who don't get any of your stuff) watch and sign too.
Field-by-field
Author
Full legal nametext
Professor
Use your full legal name as it appears on government identification to ensure unambiguous identification across instruments.
Toddler
Write your whole name, the same way it shows on your ID card.
Date of birthdate
Professor
Birth date corroborates identity and helps distinguish individuals with similar names.
Toddler
When you were born. So nobody mixes you up with someone else.
Intent
Statement of intenttextarea
Professor
Articulate values, hopes, and the rationale behind your dispositive choices. Avoid creating new gifts here — the will controls disposition.
Toddler
Tell your family what you hope for. Don't give new presents here — that's the will's job.
Last will and testament for straightforward estates.
Why it exists
Professor
A last will and testament directing the disposition of probate property at death and nominating a personal representative (executor) to administer the estate.
Toddler
The paper that says who gets your things when you die, and who is in charge of giving them out.
Legal effect
Professor
Upon death and admission to probate, the will becomes the controlling instrument for non-survivorship, non-beneficiary-designated assets. Beneficiary-designated and jointly held property pass outside the will.
Toddler
When you die, a judge looks at the will and follows it for the things you owned alone. Things with a name on them (like life insurance) go straight to that person.
How to execute
Professor
Most U.S. jurisdictions require: testator signature, two witnesses present at the same time, attestation clause. A self-proving affidavit before a notary obviates witness testimony at probate.
Toddler
You sign it. Two grown-ups watch you sign and they sign too. Going to a notary makes it stronger.
Field-by-field
Testator
Full legal nametext
Professor
Full legal name of the testator.
Toddler
Your whole name.
Residence addresstextarea
Professor
Domicile address — establishes which state's probate code governs.
Toddler
Where you live. This decides which state's rules are used.
Executor
Executor full nametext
Professor
Personal representative who will marshal assets, pay debts, and distribute. Choose someone organized, trustworthy, and likely to outlive you.
Toddler
The boss of your stuff after you die. Pick someone careful who you trust.
Relationshiptext
Professor
Relationship clarifies standing and helps avoid impersonation.
Toddler
How you know them — like 'my sister'.
Bequests
Itemized bequeststextarea
Professor
Specific gifts of identifiable property, followed by residuary clause. Be specific: 'my 2018 Subaru Outback to my brother John,' not 'my car to John.'
Toddler
List who gets what. Be very clear. Say the exact thing — not 'my car' but 'my blue Subaru.'
Appoint someone to make medical decisions for you.
Why it exists
Professor
Appoints an agent to make healthcare decisions when the principal lacks capacity. Often paired with a living will / advance directive.
Toddler
Picks who decides about doctors and medicine if you can't decide for yourself.
Legal effect
Professor
Authority springs upon a clinician's determination of incapacity. Provider compliance is supported by state advance-directive statutes and HIPAA authorization.
Toddler
Only works when a doctor says you can't decide. Then your person decides for you.
How to execute
Professor
Most states require either two witnesses or a notary. Distribute copies to your physician and hospital.
Toddler
Two grown-ups watch and sign, OR go to a notary. Give a copy to your doctor.
Field-by-field
Proxy
Proxy full nametext
Professor
Healthcare agent — choose someone who can advocate under stress.
Toddler
The person who decides for you. Pick someone calm and brave.
Authorizes an agent to act on the principal's behalf in financial matters. May be general (broad), limited (specific), or springing (effective on incapacity).
Toddler
Picks someone to handle your money stuff if you can't.
Legal effect
Professor
The agent owes fiduciary duties (loyalty, prudence, accounting) under the Uniform Power of Attorney Act, where adopted. Misuse can be elder-abuse.
Toddler
The person you pick has to be honest with your money. If they cheat, it's a crime.
How to execute
Professor
Notarization is standard; some states require witnesses additionally. Provide certified copies to banks.
Toddler
Go to a notary. Maybe also have grown-ups watch. Give banks a copy.
Field-by-field
Agent
Agent full nametext
Professor
Attorney-in-fact. Choose someone with financial competence and integrity.
Toddler
Your money helper. Pick someone good with money AND honest.
Relationshiptext
Professor
Relationship informs scrutiny under elder-abuse statutes.
Toddler
How you know them.
Scope
Scope of authorityselect
Professor
General is broad and powerful. Limited is narrow. Springing avoids active power until incapacity is established but can delay action.
Toddler
General = lots of power. Limited = just one thing. Springing = only when you can't decide.
Additional notestextarea
Professor
Carve-outs, gifting authority, ability to fund a trust, etc. Be explicit — courts construe POAs narrowly.
Toddler
Extra rules. Be very clear — judges read these strictly.
Tangible and digital assets, accounts, and locations.
Why it exists
Professor
A schedule of property — financial accounts, real property, tangible personal property, and digital assets — to guide the personal representative in marshalling the estate.
Toddler
A list of everything you own and where it lives. So the boss can find it all.
Legal effect
Professor
Not dispositive. Used by the executor to file the estate inventory required by most states (commonly within 90 days of qualification).
Toddler
It doesn't decide who gets what. It just helps the boss know what's there.
How to execute
Professor
No formalities. Update annually.
Toddler
Just write it. Update it once a year.
Field-by-field
Accounts
Bank accountstextarea
Professor
List bank, account type, last four digits only. Never write the full account number or PIN here.
Toddler
Bank name and the LAST FOUR numbers only. Never write the whole number. Never write your password.
Investment accountstextarea
Professor
Brokerage, retirement (IRA/401k), HSA. Note beneficiary designations — those override the will.
Toddler
Stocks and retirement money. Note: these often have a name attached that wins over the will.
Property
Real estatetextarea
Professor
Address, parcel ID, titling form (sole, JTWROS, tenancy in common). Titling controls passage at death.
Toddler
House addresses. Write down whose name is on it. That decides who gets it.
Vehiclestextarea
Professor
Year, make, model, VIN. Title transfer follows state DMV procedures.
Capture the IDs and contact channels for each heir.
Why it exists
Professor
Captures identifying and contact data for each heir to enable rapid notification and to deter impersonation by unrelated claimants during administration.
Toddler
Writing down who your family is, with their info, so nobody can pretend to be them later.
Legal effect
Professor
No independent legal effect; serves administrative and evidentiary purposes during probate notice (e.g., WV §44-1-14a interested-party notice).
Toddler
It doesn't make anything legal by itself. It just helps the boss find your family fast.
How to execute
Professor
No formalities required; keep with the will.
Toddler
Just fill it out. Keep it with the other papers.
Field-by-field
Primary heir
Full nametext
Professor
Full legal name of the primary heir.
Toddler
Whole name of the most important person in line.
Relationshiptext
Professor
Familial or other relationship.
Toddler
How you're related — like 'daughter.'
Emailemail
Professor
Best electronic contact.
Toddler
Their email.
Phonetel
Professor
Best telephone contact.
Toddler
Their phone number.
Government ID numbertext
Professor
Government ID number (driver's license, passport). Avoid Social Security Numbers — store the last four only if necessary.
Toddler
Their ID number. Do NOT use the secret nine-digit number — that's not safe.
Secondary heir
Full nametext
Professor
Backup heir, if primary cannot serve.
Toddler
Backup person's whole name.
Relationshiptext
Professor
Relationship of secondary heir.
Toddler
How you know them.
Emailemail
Professor
Email of secondary heir.
Toddler
Their email.
Government ID numbertext
Professor
Government ID of secondary heir; same rules as above.
An express trust funded for the educational benefit of a named beneficiary, with staged distributions tied to age or milestones to discourage dissipation.
Toddler
A locked piggy bank just for school. The money comes out at certain ages so it's not all spent at once.
Legal effect
Professor
Once funded and properly executed, creates a fiduciary duty in the trustee under the applicable state Trust Code (e.g., WV §44D). Distributions follow the trust instrument, not the will.
Toddler
When you sign and put money in, the trustee MUST follow the rules. The judge can make them.
How to execute
Professor
Signed by settlor; trustee acceptance recommended. Funding requires retitling assets to the trust or naming the trust as beneficiary.
Toddler
You sign. The person in charge says 'okay, I'll do it.' Then you put money in by writing the trust's name on the account.
Field-by-field
Beneficiary
Beneficiary nametext
Professor
The minor or student who will benefit. Use full legal name.
Toddler
The kid who gets the school money. Whole name.
Date of birthdate
Professor
Date of birth — anchors the age-based release schedule.
Toddler
Their birthday. The dates for getting money are based on it.
Funding
Principal amount (USD)number
Professor
Initial corpus. Document the source of funds for tax basis and potential gift tax reporting (Form 709 over the annual exclusion).
Toddler
How much money goes in at the start.
Release scheduletextarea
Professor
Define triggering events (age, milestone) and permitted purposes (tuition, fees, books, room/board). Consider HEMS standards or specific dollar caps.
Toddler
Write down when money comes out, and what it can be spent on. Like 'age 18: school costs.'
Email, social, crypto custody, and access instructions.
Why it exists
Professor
Provides authority and instructions for the disposition of digital assets under the Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA), adopted in most states.
Toddler
Tells your family what to do with your email, social media, and online stuff.
Legal effect
Professor
Under RUFADAA, an online tool's legacy contact controls first; this directive controls next; the will controls last. Without any of these, federal computer-fraud and stored-communications laws may block fiduciary access.
Toddler
Without this paper, the law might stop your family from getting into your email. So this is important.
How to execute
Professor
Sign and date. Update when accounts change.
Toddler
Sign it. Update when you make new accounts.
Field-by-field
Accounts
Email accountstextarea
Professor
List providers (Gmail, Outlook). Do NOT include passwords.
Toddler
Email companies. Do NOT write your passwords.
Social accountstextarea
Professor
List handles per platform. Reference each platform's legacy/memorialization tool.
Toddler
Your usernames on each app. Each app has a 'memorial' setting too.
Crypto custody (vault location, never seed phrases)textarea
Professor
Identify the custodian (exchange) or the LOCATION of self-custody hardware/seed storage. Never write the seed phrase or private key here.
Toddler
Where the crypto wallet is. NEVER write the secret words. Just say 'in the safe.'
Instructions
Access instructionstextarea
Professor
Provide step-by-step retrieval guidance for the fiduciary, citing where credentials are stored (e.g., password manager + emergency kit).
Toddler
Tell the boss where the password book is. Don't put passwords in here.
Document the dividend-paying whole life policy that capitalizes the family bank.
Why it exists
Professor
Documents the participating whole life policy whose accumulating cash value capitalizes the family bank. The policy is the reservoir; without it there is no bank.
Toddler
Writes down the special insurance that fills the family piggy bank.
Legal effect
Professor
Documentary only. The policy itself is the contract; this summary is a working reference for the trustee/banker.
Toddler
It's a cheat sheet. The real rules are in the insurance company's papers.
How to execute
Professor
No formalities. Update annually as cash value grows.
Toddler
Just fill it in. Update it every year.
Field-by-field
Policy
Insurance carriertext
Professor
The mutual insurance company issuing the participating policy. Mutual carriers pay dividends to policyholders.
Toddler
Which insurance company. Mutual ones share profits with you.
Policy numbertext
Professor
Unique identifier for the policy contract.
Toddler
The policy's number.
Issue datedate
Professor
Anchors policy duration; older policies often have higher cash-value-to-premium ratios.
Toddler
The day it started. Older = usually more money saved up.
Death benefit (USD)number
Professor
Face amount payable at death — the eventual recapitalization of the bank.
Toddler
How much the family gets when you die. This refills the piggy bank.
Annual premium (USD)number
Professor
Yearly contractual outlay to keep the policy in force.
Toddler
How much you pay each year to keep it going.
Current cash value (USD)number
Professor
The borrowable equity inside the policy. This is what the bank lends against.
Toddler
The money inside the piggy bank you can borrow from RIGHT NOW.
Dividend rate (%)number
Professor
Declared dividend rate; subject to insurer board declaration annually.
Toddler
Bonus money rate. Changes each year.
Owner & Insured
Policy ownertext
Professor
Owner controls the policy — beneficiaries, loans, surrender. Often the insured, sometimes a trust.
Toddler
Who is in charge of the policy. Often you. Sometimes a trust.
Insuredtext
Professor
Person whose mortality triggers the death benefit.
Charter that governs how the family bank lends, repays, and reports.
Why it exists
Professor
The constitutional document of the family bank. Establishes governance, lending standards, and remedies. Without a charter, intra-family loans risk recharacterization as gifts.
Toddler
The rule book for the family bank. Without rules, the IRS might say loans are really presents.
Legal effect
Professor
Internal governance instrument. Helps establish bona fide debtor-creditor relationships under IRC §7872 (below-market loan rules) when paired with executed promissory notes.
Toddler
Helps prove loans are real loans, not gifts. The IRS cares a LOT about this.
How to execute
Professor
Signed by the founding 'banker' and family members who consent to the lending standards.
Toddler
Signed by you and the family who agrees to the rules.
Field-by-field
Bank
Family bank nametext
Professor
Use a distinctive name (e.g., 'The Smith Family Bank') to reinforce its identity.
Toddler
Give it a name like 'The Smith Family Bank.'
Founding datedate
Professor
Date of charter execution. Anchors interest-rate elections to AFR tables.
Toddler
The day you start it.
Funding policy numbertext
Professor
References the whole life policy from the prior template.
Toddler
The insurance number from the last form.
Lending rules
Minimum interest rate (% — at or above AFR)number
Professor
Set at or above the Applicable Federal Rate (AFR) published monthly by the IRS. Below-AFR loans trigger imputed interest under §7872.
Toddler
Has to be at least the IRS's number (the AFR). Lower than that = the IRS pretends you charged it anyway.
Maximum loan term (months)number
Professor
Term governs which AFR applies: short-term (≤3 yrs), mid-term (3–9 yrs), long-term (>9 yrs).
Toddler
How long someone can take to pay back. Different lengths use different IRS numbers.
Approved loan purposestextarea
Professor
List uses the bank will fund: education, first home, medical, business seed. Discourages frivolous draws.
Toddler
What the money can be used for. Like school or a first house. Not vacations.
Default remedytextarea
Professor
What happens if a borrower defaults. Common: offset against future inheritance share, written forbearance, or hardship deferral.
Toddler
What happens if someone doesn't pay back. Often: comes out of their share later.
Governance
Trustee / bankertext
Professor
The 'banker' — typically the policy owner. Owes a duty of fairness across siblings.
Toddler
Who runs the bank. Usually you. Has to be fair to all the kids.
Loan review cadenceselect
Professor
Frequency of loan portfolio review. Annual is the floor for credibility.
Toddler
How often you check on the loans. At LEAST once a year.
Formal request to draw against the policy's cash value to fund a family loan.
Why it exists
Professor
Formal authorization to draw against the policy's cash value and on-lend the proceeds to a family borrower under the charter's terms.
Toddler
The paper that says 'okay, take some money out of the piggy bank and lend it to Aunt Sue.'
Legal effect
Professor
Two transactions: (1) the policy loan from the carrier — interest accrues to the policy and uncollected interest reduces death benefit; (2) the family loan, which must be papered with a separate promissory note at AFR.
Toddler
Two things at once: borrow from the insurance, then lend to family. BOTH need their own paper.
How to execute
Professor
Submit Loan Request to carrier; execute promissory note with borrower; record on the loan ledger.
Toddler
Send a request to the insurance. Have your family member sign a promise note. Write it in the ledger.
Field-by-field
Source policy
Carriertext
Professor
Insurance carrier processing the policy loan.
Toddler
Which insurance company.
Policy numbertext
Professor
Source policy number.
Toddler
The policy number.
Loan
Loan amount (USD)number
Professor
Maximum is the policy's loan value (typically ~90–95% of cash value).
Toddler
How much. Usually no more than 90% of what's in there.
Borrower (family member)text
Professor
Family borrower. Verify capacity to repay.
Toddler
Who is borrowing. Make sure they can pay back.
Purpose of fundstextarea
Professor
Tie to a charter-approved purpose. Document the use to defend bona fides.
Toddler
What it's for. Must match the rule book.
Interest rate (%)number
Professor
Must equal or exceed AFR for the loan term. The carrier's loan rate is separate.
Toddler
At least the IRS's AFR. The insurance has its own rate too.
Repayment scheduletextarea
Professor
Monthly amortization is cleanest. Consider a balloon for short-term liquidity loans.