Sign Hawaii Banking Last Will And Testament Mobile

Industry sign banking hawaii last will and testament mobile

last but not least we have david handley co-founder and founder and CEO of tomorrow dave a she has a very unique and interesting background from serving as a Fulbright Scholar in Bangladesh working with Muhammad Yunus I agree I mean bank two starting two companies one sole to Amazon and the other sole to Deloitte he's had a very fulfilling career most recently after serving as a partner at Deloitte for a couple of years he launched tomorrow - two years ago which is an app that helps people become more financially secure by both allowing them to create a will and a trust that as well as selling term life insurance so Dave great well we started working on it two years ago but we just launched seven weeks ago so in case you're wondering I'm wondering if our friends in AV if you have an iPhone adapter for HDMI I would love to show everyone the app I'm also gonna back up about 15 slides for the start so just to paint a picture here so 1979 to 2012 been my best friend and a larger-than-life character passed away leaving wife and two beautiful children you really never know what's gonna happen tomorrow in life and in death we have huge financial and legal responsibilities and yet we don't address them each of us have seen one of these GoFundMe campaigns for someone these memorial campaigns with someone who looks just like us they're doing everything right but they never got around to buying life insurance or to to creating a will this is what the data looks like right now half of all American households would have an immediate financial crisis unable to pay their bills if anything happened to an earner two-thirds of Americans don't have a will if you're under 40 it's 78 percent of Americans don't have a will so the primary parents of young children in America do not have guardianship established for their children 3/4 of Americans don't own their a life insurance policy a trust outlines all the rule and all the procedures for taking care of your family over time and yet only 5% of Americans have them and why is this its bureaucratic it's expensive its time-consuming but what if it didn't have to be when we looked at this when we looked at the need we thought this is really where it begins if you really want to have financial security for your family it starts with having an outline of what you need a will and a trust that are easily accessible and updatable and then the proper amount of life insurance to make sure that your family will be will be secure and that's what we've built and so as we look at tomorrow we have you know so much about wills and trusts and life insurance are they live below what we think of as the joy line there's a there's a there's a line above which things are fun and I would say that insurance typically sits below those lines except you know maybe tonight well I'll have some fun the but what we do is we focus on things like you know how do you make make sure that your kids you know have their guardians that's it's a good thing more importantly you actually want to go to Hawaii after you have a kid and you don't want to bring that kid but your spouse is not willing to get on a plane until you do a few things that's the common reason why people come into tomorrow and so in tomorrow you decide what to give and who gets what and we create all the documents that you need according to the needs of your family your own decisions and the laws of your state the will and trusts are completely free through this we create you know we we learn about you and your family in our finances and we can recommend just the right amount of life insurance to make sure you're all right so if we could turn on on the phone would love to show you how this works so you come in to tomorrow and it's a very visual experience right so I come in and this is me this is my wife Maren I have four children if you can believe it and there's other family members and friends who are playing particular particular roles which I'll show you so when you come into tomorrow you actually need to assign people roles so Guardians for my kids which has my sister Celeste here we have executives for my will and trustee there's animated videos that explain everything along so you know exactly what happens if you're like me though you made a decision a family member moved out of state and we wanted to make us change so I can actually grab amber here and and move them around or theoretically I can but I just keep clicking on the wrong button as demos do and I can change their order and next thing you know the documents are updated and we have the right Guardian in the right place you go through your assets you we need the address for your will so that means that we actually know not only your address but also the value from Zillow and we can pull in your mortgage data you sing call your bank and brokerage data it's all part about funding your trust making sure that there's that there's enough there for your family you walk around take pictures of things that are in your house decide who gets what piece of art that my wife painted and you you can pick people out too to receive them and then we take all that information and we create these wills and these trusts so again legal in all 50 states we have amazing attorney who designed all these who works in house for us works with the network of 60 attorneys to ensure that they comply with local state laws and you can print these out you can send them to anyone whatever you need to do to get them executed area we take all this data and we we pull in all of your assets the ages of your children and we recommend just the right amount of life insurance so in this case we we are pulling into you know your expenses so you have a mortgaged what what debts do you have what is it gonna take to take care of your family replacement income how much income are you going to need to to take care of your family holiday our kids how much college savings you currently have what are you going to need to give them for college and then you net out your assets so what we've done then is created an integrated life insurance application that takes leverages all of your data that you have from the trust and then ask you simply the life and lifestyle questions to autofill your applications we are a nationwide brokerage appointed with nine carriers AIG Prudential protective banners for others by others and we come through and simply ask you questions like have you travelled outside the US and do you do dangerous things I do scuba diving if I had my license revoked am I on parole no and so it takes about three minutes to apply for life insurance inside the and then you're done we focus on simplified issue where possible so that people can just get in and out a little bit of launch information so we we just launched we have thousands of users who have come in and used it turns out we thought that maybe a half a percent of people would actually buy a life insurance policy it turns out it's two and a half percent so they come in and they actually learn about it they weren't planning to buy life in just a cup this morning and go to quota C and policy genius all these great folks and make it very easy to buy a product it's a very small percent of Americans that are that motivated and informed about life insurance instead they came they saw one particular value they want to do they came in they learned of they're like oh I thought about buying life insurance once three minutes later they have a policy and they're done so back to the slides just really quick we we love what we're doing we've just launched we the docks the last three states are coming in these are just happened to be complicated states we have the nationwide brokerage in we have lots of competitors a lot of people in this are actually are are actually partners or potential partners of us with whom we work the the product that we create as you pay five hundred dollars to go and get this from the folks on the Left again the folks on the right are really meeting the needs of those who know about life insurance and are determined to buy it an amazing team of people we've all built and sold about four companies well four companies between us and and and a really talented team we've great investors this number is now higher since I made the slide two weeks ago we we are funded by a group of really talented investors who plugged in including a number of whom are in this room and investing so please please you may have a will it's probably out of date you probably don't have a trust hopefully the folks in here are well insured but just go download the app it's completely free use the free product I don't care if you buy buy it one of one of the policies your family needs this though please share it and then in the end you know let us know what you think we'd love to hear more thanks everybody awesome thanks Dave you