Yes. It's legal in all 50 states.
Offering estate planning through Legal Karma is 100% legal in all 50 states and the District of Columbia.
Self-help legal documents have over 60 years of legal precedent. Here's exactly how the model works and why your institution is fully protected.
How it works
Legal Karma is built on a well-established legal model. Four principles keep the offering compliant everywhere you operate.
Self-Help Legal Documents, Not Document Prep
Legal Karma provides a product, not a service. Members complete the process themselves,guided by education and clear instructions. No one is authoring or editing documents ontheir behalf.
State-Specific, Not Generic
Every document is customized to comply with the laws of the member's specific state. Notwo outputs are the same. Attorney-reviewed templates cover all 50 states.
Education, Not Legal Advice
The platform teaches estate planning fundamentals and lets members design their ownsolutions. Think TurboTax for estate planning. Support teams are trained to inform, neveradvise.
Built-In Attorney Referral Guardrails
When a member's needs are complex — irrevocable trusts, special needs planning,nuanced tax situations — Legal Karma's team refers them directly to a qualified attorney.
40+ Years
of legal precedent for self-service estate planning. States activelysupport services that close the access-to-justice gap and help peoplesolve fundamental legal needs.
Your institution is protected
Legal Karma carries the risk so you don't have to. Every layer of protection isalready in place.
Insurance Coverage
Legal Karma carries insurance policies that meet and exceed industry norms. Your credit unionbears no risk in offering this benefit.
SOC 2 Type II Certified
Enterprise-grade security controls, independently audited and verified. The same standard yourcore processor meets.
Comprehensive Audit Trails
Every action is logged. Full audit trails are available for compliance reviews whenever you needthem.
Clear Member Disclosures
Disclosures, terms of service, and guidance are built into every step of the member experience. Nothing is hidden.
Ongoing Compliance Monitoring
Laws change. Legal Karma monitors state planning law changes in real time and keeps your offeringcurrent across all jurisdictions.
The Legal Question Is Settled. The OpportunityIs Open.
The Legal Question Is Settled. The Opportunity Is Open. Legal Karma's team includes attorneys and former judicial branch compliance leaders. This model was built to withstand scrutiny. Now the only question is whether your members get this benefit.
Legal Karma is not a law firm nor are we attorneys. Legal Karma is not the substitute for an attorney or law firm. Legal Karma does not provide legal advice. This site and applications are not intended to create any attorney-client relationship, and your use of Legal Karma does not and will not create an attorney-client relationship between you and Legal Karma.