Free Family Protection Assessments

Most Families Think They're Protected.
Most Aren't.

Answer a few questions. Get your Protection Score. See exactly where the gaps are — before something happens and it's too late to fix them.

Take the Free Assessment Browse Topics

Free · No email required · Takes less than 5 minutes

7
Protection assessments covering every major risk area
50
States with customized laws, rules, and guidance
4 min
Average time from start to score
$0
Cost to see your score and top gaps. No card required.

Your data stays yours

We never sell your information. No advertising cookies. No data brokers. Read our privacy policy →

Encrypted at every step

TLS in transit, salted scrypt password hashing, HttpOnly session cookies, and optional two-factor authentication.

Secure document vault

Store your will, POA, advance directive, and beneficiary forms where your family can find them — only you control access.

Informational, not legal advice

We identify gaps and explain your options. For final decisions, consult a licensed attorney, CPA, or financial advisor.

What Is Sema Legacy?

A personal protection checkup for your family's finances, legal plans, and benefits.

Answer targeted questions about your situation — your state, age, and family. Get a clear Protection Score showing exactly where you're exposed. Then follow AI-powered action plans built for your specific gaps and your state's laws.

Protection Score — a clear number showing where your family stands right now
Specific gaps ranked by urgency — with cost estimates and what to do next
AI-powered action plans — personalized to your state's laws and your exact situation
Progress tracking — annual reviews, deadline alerts, and a document vault

Not a law firm. Not financial advice. Sema Legacy helps you prepare — so the conversations with your professionals are better.

Sema Legacy is not
A law firm or financial advisor
A product that sells you insurance
A generic article or blog post
Sema Legacy is
A diagnostic tool for your family's protection
Education that helps you ask better questions
A clear plan so you know what to do first
State-Specific

Guidance built for your state's laws, Medicaid rules, and tax code.

Prioritized by Urgency

Critical gaps flagged first. You always know what to fix today.

Education, Not Sales

Understand your situation clearly. Ask better questions of your professionals.

AI-Powered Plans

Personalized to your state, your gaps, and your exact situation.

Assessments

Choose Your Topic

Each assessment is tailored to your state and situation. Pick the area that matters most to you right now.

Estate Planning
Wills, trusts, powers of attorney, beneficiary designations. Is your family actually protected if something happens to you today?
Take the assessment
Long-Term Care
Nursing home costs average $108,000/year. Medicare covers almost none of it. Does your family have a plan before you need one?
Take the assessment
Medicare
Wrong plan, missed enrollment windows, IRMAA surcharges — are your Medicare choices protecting you or costing you thousands?
Take the assessment
Retirement Planning
Do you know your retirement number? Are you on track? The biggest risk in retirement isn't a market crash — it's outliving your savings.
Take the assessment
Taxes in Retirement
RMDs, Social Security taxation, Roth conversion windows — are you paying more tax in retirement than you legally have to?
Take the assessment
Social Security
The wrong claiming decision costs most families $100,000–$200,000+ in lifetime benefits. This decision is permanent and irreversible.
Take the assessment
Special Needs Planning
A direct inheritance as small as $2,001 can disqualify your child from SSI and Medicaid. Is your estate plan protecting their benefits?
Take the assessment
Not sure where to start?
Answer a few questions and we'll point you to the assessment that will help you most right now.
Help me choose
How It Works

From "I Don't Know" to "My Family Is Protected"

A clear path from uncertainty to a personalized protection plan.

1

Take the Free Assessment

8–12 quick questions about your situation, state, and current plans. No email, no account, no commitment.

2

See Your Protection Score

Get your score instantly, plus the top gaps putting your family at risk — completely free.

3

Follow Your Action Plan

Personalized checklists, step-by-step guides, cost estimates, and state-specific guidance — at your own pace.

Who It's For

Who Is Sema Legacy For?

If any of these describe you, there's an assessment here that will show you something you didn't know.

Approaching or in retirement

Medicare enrollment, Social Security claiming, RMD planning, tax optimization — all converge at once. Sema Legacy helps you see the full picture before you make permanent decisions.

Parents of a child with a disability

Special Needs Trusts, ABLE accounts, guardianship, benefit eligibility — one mistake and your child loses everything. We built a dedicated assessment just for this.

Families who "haven't gotten around to it"

No will, no trust, no POA — you know you need a plan, but it feels overwhelming. Sema Legacy tells you exactly what to do first, how much it costs, and how long it takes.

Adult children worried about aging parents

Your parents have no long-term care plan and you're terrified about what happens next. Our LTC and estate planning assessments give you a clear picture of what's missing.

People paying too much tax in retirement

RMDs pushing you into higher brackets, IRMAA surcharges, taxable Social Security — our Taxes in Retirement assessment finds the money most people don't realize they're leaving on the table.

Anyone who just wants to know where they stand

Maybe everything is fine. Maybe it isn't. Either way, you'll know in 4 minutes — and that peace of mind is worth the time.

What It's Worth

The cost of not knowing is staggering

Every one of these mistakes is common, preventable, and costs more than a lifetime of Sema Legacy subscriptions.

No Estate Plan
$50K–$300K
in probate, wrong beneficiaries, and court costs
Wrong SS Decision
$200,000+
in lost lifetime Social Security benefits
No LTC Plan
$325,000+
average nursing home costs with zero coverage
Social Security
Claiming at the wrong age
$100,000–$250,000
lost in lifetime benefits — the most common $150K mistake families make
Estate Planning
No will or wrong beneficiaries
$15,000–$80,000
in probate fees, court costs, and unintended tax exposure
Long-Term Care
No coverage plan in place
$95,000/year
average nursing home cost — 2.5 year stay = $237,500 out of pocket
Medicare
Wrong plan or missed enrollment
$3,000–$8,000/yr
in unnecessary premiums — over 20 years, that's $100,000+
Retirement Taxes
Unoptimized withdrawals
$30,000–$80,000
paid unnecessarily — Roth conversions and bracket management matter
Special Needs
Wrong inheritance structure
$10,000–$100,000+
in lost benefits — a $2,001 inheritance can disqualify Medicaid and SSI
Typical family exposure
$500,000+
vs
Sema Legacy annual cost
$349/year

Fixing a single gap pays for 100+ years of subscriptions. The math speaks for itself.

Document Vault

Every Important Document,
Organized and AI-Analyzed

Upload your will, trust, insurance policies, and powers of attorney. Sema Legacy keeps them organized by topic — and lets AI flag what's outdated, missing, or needs your attention.

  • Secure upload — PDFs, images, Word docs up to 10 MB. Stored privately on your account.
  • AI document analysis — Claude reads your actual documents and gives specific, personalized advice on what's outdated or at risk.
  • Smart checklist — Based on your assessments, see exactly which documents you still need to collect per topic.
  • One place for everything — Estate docs, healthcare directives, LTC policies, beneficiary forms — all linked to the right assessment.
Your documents are never shared with third parties or used to train AI models.

Your Family's Protection Starts with Knowing

Take the free assessment. See your Protection Score. Get a plan that actually fits your life.

Take the Free Assessment →
Educational Use Only. Sema Legacy provides educational information, not legal, financial, or tax advice. Laws vary by state. Always consult qualified professionals before making decisions.