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Ensure your family has cash in hand within 24 hours — no probate delays, no death certificate waits, no financial burden.
Even a well-drafted will and living trust could leave your family without the necessary funds for immediate final expenses. Because death certificates can take days or weeks to be issued, inheritance money is rarely available to cover funeral costs, mortgage payments, legal fees, and more.
"More than 50% of families go into debt following the death of a loved one — and there hasn't been a simple solution. Until now."
According to Empathy’s 2024 “Cost of Dying” report, families face an average of $12,616 in loss-related expenses. 35% receive no reimbursement from the estate at all, leaving them to cover costs from personal savings, credit cards, or selling assets at distressed prices.
You deserve the peace of mind of knowing your family won’t have to worry. The Beneficiary Liquidity Plan gives you that certainty.
The Beneficiary Liquidity Plan (BLP) is a game-changing financial tool designed to ensure your beneficiaries have access to cash within 24–28 hours — without waiting on probate or death certificates.
No health questions, no ongoing premium payments. The BLP is straightforward and accessible to everyone.
Provides guaranteed whole-life coverage — no surprises, no fine print that leaves your family exposed.
Funded with your existing assets — no additional funds required. Seamlessly integrates with your current estate plan.
Funds are available within 24–28 hours through licensed funeral providers — when your family needs it most.
The only plan that works alongside estate plans, ensuring your family won't struggle while waiting for settlements.
Eliminate the need for loved ones to dip into personal savings or go into debt during an already difficult time.
Connect with Michael R. Morera, CMT, to review your current estate plan and identify the liquidity gap your family may face.
Using your existing assets, we set up the Beneficiary Liquidity Plan — no new premiums, no medical exams, no disruption to your current strategy.
When the time comes, your beneficiaries have access to the cash they need within 24–28 hours — through licensed funeral providers — with zero delay.
Request your no-obligation consultation. We’ll review your current estate plan and show you exactly how the BLP closes the liquidity gap — at no additional cost to you.
We’ll reach out within one business day.
Michael specializes in helping families close the financial gaps that even well-drafted estate plans leave behind. With deep expertise in beneficiary planning and estate liquidity, he’s helped hundreds of families ensure their loved ones aren’t left scrambling during the most difficult moments of their lives.
