The Final Piece of Your Financial Plan®

With a Beneficiary Liquidity Plan® (BLP), you can allocate existing funds to help cover expenses your family is likely to incur in the months following your passing.

  • Guaranteed issue whole life policy¹

  • No health questions

  • No medical exam or tests

  • No required ongoing premium payments

PLUS, full access to policy funds within 48 hours

¹Single Premium Whole Life Policy funded by Homesteaders Life Company, Form#ICC22-IND-GenBridge.

Avoid the Cost of Leaving Your Loved Ones to “Figure It Out”

Even with careful planning, surviving family members may face thousands of dollars in expenses while waiting to obtain the death certificate required to access inherited funds.

Many beneficiaries are forced to cover expenses by using a credit card or personal savings. In fact, more than 50% of families report going into debt after the death of a loved one.²

With our Beneficiary Liquidity Plan®, you can help ensure your loved ones have quick, easy access to the allocated funds they need to settle your estate. Those funds can help cover expenses such as:

  • The cost of a funeral or celebration of your life

  • Loved ones’ travel expenses

  • Mortgage payments

  • Medical bills

  • Legal fees/other costs for closing out your estate

²According to the 2022 “The Cost of Dying” report published by Empathy.com.

We use a patent pending process to help your loved ones when they need it most. No death certificate is required if filing through a licensed funeral home.³

Get Full Access to Funds in Days, Not Months

With Your Beneficiary Liquidity Plan®

Total Time:
Often 24-48 Hours

Electronic claim filed through a licensed funeral home³

Full policy benefit paid out in as little as 24-48 hours

Without a Beneficiary Liquidity Plan®

Total Time:
Often 60-90 Days or Longer

Request a copy of the Death Certificate from Department of Health and Human Services

Wait as many as 4-6 weeks to receive it

File claim paperwork with the insurance or investment company

Wait up to another 30 days for the claim paperwork to get processed and funds released.

The policies are funded by Homesteaders Life Company, a company that works directly with funeral homes across the country to complete the claims process, so they won’t need to wait for a copy of the Death Certificate. As a result, they are able to pay claims quickly. If your beneficiaries choose to file their claim through a licensed funeral provider, they could have access to policy funds within 24-48 hours.

³The funeral home assisting with claim submission must be based in the United States and participating in electronic claims. Filing by mail or without a licensed funeral provider may delay initial processing and payout.

Get More Details Today

Many clients appreciate that no additional money is required to set up a Beneficiary Liquidity Plan®. By simply allocating a small portion of your existing financial assets into a BLP, you could help give your loved ones some financial breathing room.

Please contact your current financial advisor or insurance agent for more information about this option.