Life in the diaspora comes with ambition, sacrifice—and uncertainty. For many African families living abroad, success is often shadowed by questions no one wants to ask: What happens if I die suddenly? Who takes care of my kids if I’m deported? What if I’m disabled and can’t manage my business or assets?

At Ntare Financial Services, we believe that the most loving act you can make is to plan ahead. That’s why we’ve developed the Ntare Diaspora Insurance Plan (NDIP)—a revolutionary legal-financial solution that protects you and your family against the four biggest threats to legacy and stability: Death, Disability, Divorce, and Deportation—the 4Ds.

This blog breaks down how our service works, what it includes, and how we’ve priced it transparently to offer more than just insurance—it’s peace of mind for every stage of the immigrant journey.

📊 1. Estate Planning & Trust Creation Pricing

Attorney-led estate planning packages typically range from $2,000 to $5,000+, depending on complexity and location ocelderlaw.com+1brazoslawyers.com+1 legalzoom.com+1doaneanddoane.com+1.
- In Texas, a basic living trust: $2,000–$3,000; comprehensive plans: $3,000–$5,000+ brazoslawyers.com+4brazoslawyers.com+4hancockwhitney.com+4.
- Online platforms (e.g., Trust & Will) offer simplified trust packages for around $499 ocelderlaw.com+5trustandwill.com+5smartasset.com+5.

Ntare's Trust Offer: $2,500
→ Priced competitively within attorney-based trust setup, below high-end complex estate packages.

⚖️ 2. Legal Service Bundles (Wills, POA, Prenups, etc.)

Legal plans or prepaid services typically charge $15–$60/month, or flat rates per document in the low hundreds ocelderlaw.com hearstvoluntarybenefits.com+2metlife.com+2paypalbenefits.com+2.
Individual documents—POAs, care directives—range from $100–$500 each smartasset.com+3paypalbenefits.com+3goetc.net+3.

Ntare’s Fee per 4D Service: $550
→ Bundles multiple documents—will, trust setup, prenup, guardianship—under one fee. Comparable to 2–4 standalone documents from other providers, but with more coordination and depth.

🛡️ 3. Integrated Insurance + Legal Bundles

No true peer exists combining insurance and legal execution per trigger.

Life/disability insurance policies vary widely based on age, coverage amount, and health.
Legal riders (e.g. prenup) are typically standalone, priced individually.

Ntare’s Full Protection Package (All 4Ds + Trust) = $4,200 (bundled savings)
→ Equivalent to paying full price separately (4 x $550 + $2,500 = $4,700). Save $300.
Given:

Trust: $2,500
Four legal/legal-structure services: $550 x 4 = $2,200
Total unbundled: $4,700
Package saves $300 → 6.4% discount

💡 5. Conclusion

Trust (at $2,500) – aligned with mid-tier legal pricing; competitive vs. DIY platforms.
Each 4D service (at $550) – bundling multiple legal documents per D, priced in line with or lower than equivalent standalone offerings but with coordination benefits.
Full package ($4,200) – transparent pricing with clear saving of ~$300 (6.4%) compared to buying separately.

Overall Positioning:

Competitive with mid-tier estate attorneys.
Superior to basic monthly legal plan subscriptions when considering combined depth and event-based activation.
Unique in combining insurance structures with legal event triggers—not just document creation, but actionable coverage.

🧩 Recommendations

Emphasize bundled value and coordination premium vs. piecemeal legal + insurance fees.
Showcase $4,200 package discount prominently: “Save $300 vs. buying services individually.”
Position trust as central engine that activates at each 4D trigger.
Consider offering financing or payment plans given higher trust cost.

Legacy is Built on Preparation, Not Hope

In our communities, we work hard to build a better life—but too often, we leave that life unprotected. The 4Ds—Death, Disability, Divorce, and Deportation—can strike without warning. When they do, they don’t just affect individuals—they ripple through families, businesses, and generations.

At Ntare Financial Services, we’re not just selling insurance or drafting documents. We’re building a safety net for the diaspora—one that’s rooted in cultural understanding, legal foresight, and financial empowerment.

Whether you're just starting out, growing a family, running a business, or planning for retirement abroad, the Ntare Diaspora Insurance Plan (NDIP) gives you the structure to face the future with confidence.

Because true legacy isn't what you leave behind—it's what you protect while you're here.

👉 Ready to secure your 4D protection plan?
Let’s get started.

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