RALEIGH, N.C. (3/21/11)--State Employees’ CU (SECU) in Raleigh, N.C., recently piloted a successful Estate Planning Essentials Program to volunteers and has now launched the program to members statewide--this time with an added loan feature. SECU began offering the program to fill member needs for basic estate planning, including a will, a critical element of any financial plan. The new loan product will help members who do not have a will and are deterred by the expense of having one prepared. The loan, offered at a 10.75% rate, provides members up to 12 months for repayment, for an average monthly cost of about $32. More than 3,000 members, including employees and volunteers, participated in the program. Through the program, a member’s estate planning package can include a will with possible trust provisions, a durable power of attorney, a healthcare power of attorney and living will, and Health Insurance Portability and Accountability Act Authorization--all prepared by an estate planning attorney who has agreed to complete the documents at a set member price. Services included in this basic program are priced at $250 for an individual and $350 for a couple with substantially similar estate plans and whose documents are prepared at the same time. Members who require more complex planning can work with SECU trust representatives and a local attorney of the members’ choice.