Just had training about how to help beneficiaries access funds almost immediately after their loved one passes away. Most people don't know that life insurance and other funds will not be given to beneficiaries until the state's official death certificate is issued. That will take weeks or even months! This program requires a little pre-planning -- and after that is done, it provides such a comfort during the extremely difficult time of losing their parent or spouse, etc. Makes the immediate grieving time a little easier.