Why Every Estate Plan Should End with a Beneficiary Liquidity Plan (BLP)

Estate planning is about more than legal documents and tax efficiency, it’s about preparing your clients' families for life after loss. And while trusts and wills lay the foundation, there’s a critical piece many advisors overlook: The Beneficiary Liquidity Plan (BLP).

 

At ePIC Services Company, we help advisors go beyond the basics by integrating BLPs into their estate planning conversations, positioning them as comprehensive planners and unlocking new revenue streams in the process.

 

What Is a Beneficiary Liquidity Plan (BLP)?

A BLP provides beneficiaries with immediate access to funds (often within 24–48 hours) of a loved one’s passing. Unlike life insurance or other assets that require a death certificate or lengthy probate process, a BLP bypasses those delays.

That means grieving families can take care of funeral expenses, travel, and urgent costs without added financial stress.

 

Why Should Every Estate Plan Include a BLP?

• Fast Financial Relief – No waiting on a death certificate or estate administration. Funds are available when they’re needed most.
• Eliminates Early Stress – Grieving families often face unexpected costs. A BLP lets them focus on healing, not financial scrambling.
• Protects the Integrity of the Plan – Without a BLP, clients’ assets may be tied up, causing unintended delays and disruptions.
• Simple Setup – Minimal health questions and an easy activation process make BLPs accessible for nearly any client.
• Adds Value for the Advisor – BLPs create an opportunity to offer deeper service and drive additional revenue, all while strengthening client loyalty.

What’s the Risk of Not Including a BLP?

When estate plans lack liquidity, families can be forced into stressful financial situations like taking out loans, maxing out credit cards, or waiting weeks for life insurance proceeds.

 

Even the most thorough estate plan can leave a family vulnerable if immediate funds aren’t available. That’s why every plan should conclude with the question:

“How will your loved ones cover expenses in the first 48 hours?”

By including BLPs in your estate planning package, you:

• Offer real-world solutions to a real-world problem
• Create emotional and financial value for clients
• Set yourself apart as a comprehensive planner
• Open up a new income opportunity with minimal lift

At ePIC Services Company, we train and support advisors to present BLPs with confidence. We take on the back-office work while you focus on building trust and delivering value.

A Beneficiary Liquidity Plan isn’t a “nice-to-have”, it’s the final piece to any estate plan.

 

Want to start offering BLPs to your clients? Reach out today and we’ll show you how to seamlessly integrate them into your practice.

 

Be the advisor that plans for everything.