CKT Insurance, LLC

📋 A durable power of attorney grants someone legal authority to manage your finances if you cannot — without it, your family may need a court order to pay a single bill.

A healthcare proxy names who makes medical decisions on your behalf. A living will documents your treatment wishes. Each covers a gap the other cannot fill, and having one does not substitute for the other.

IRAs, 401(k)s, and life insurance do not pass through your will — they go directly to whoever is named on the beneficiary form, which means an outdated form overrides your entire estate plan.

A funded revocable trust can transfer assets to heirs without probate; a will alone cannot, and an unfunded trust offers no probate benefit either.

The account and insurance inventory is the document most households skip: without a written list of accounts, policy numbers, and document locations, assets sit unclaimed for years.

Knowing the documents exist is not enough — tell someone where they are stored and how to access them, including the key, the combination, or the login.



*The content shared here is for educational and informational purposes only. It is not personalized investment, tax, legal, or financial advice. Consult a licensed professional before making decisions based on your specific situation.*