What Is Presence Insurance™?

The category everyone needed. The words no one had.

When someone dies, the system activates.

The estate attorney opens the will. The life insurance company processes the claim. The funeral home makes arrangements. Within weeks, the family receives documents, account numbers, legal instructions, and a check.

What they don't receive is the person.

Not their voice. Not their stories. Not the things they meant to say on a Tuesday night but never did. Not the wisdom they assumed they'd pass down someday. Not the "I love you" they thought they had time for.

When you're gone, all of that disappears. Permanently.

Unless you make sure it doesn't.

Presence Insurance is the guaranteed delivery of a person's voice, messages, and final wishes to their designated recipients after death or incapacitation.

It is not life insurance. It is not estate planning. It is not a will, a trust, or a digital vault. It is something that has never existed before — a category built around one insight that the entire death-preparation industry has overlooked:

Families don't just need your assets. They need you.

The money helps them survive. The documents help them organize. But neither helps them heal. What helps them heal is hearing your voice. Knowing what you wanted for them. Understanding why you made the choices you made. Receiving the words you never found the right moment to say.

That is what Presence Insurance delivers.

To understand what Presence Insurance is, it helps to understand what it is not.

It is not a replacement for anything that already exists. Estate plans distribute property. Life insurance pays out money. Presence Insurance delivers the person's voice. These are three different jobs. Presence Insurance complements the first two. It does not compete with either.

It is not a pre-planning tool. Most legacy products help people organize documents before they die. Presence Insurance operates after the documents are signed. The will is written. The policy is in force. The funeral is pre-paid. And still — the family has no idea what their father actually wanted to say to them. That is the gap Presence Insurance fills.

It is not about assets, credentials, or account access. It preserves intent, voice, and context — not passwords, property titles, or investment portfolios. This distinction matters: Presence Insurance is not a fiduciary product. It does not hold assets or provide legal advice. It holds something far more personal — the things that money cannot replace and documents cannot convey.

It is not scheduled emails. A message that sends on a timer doesn't know whether you're alive or dead. It doesn't verify. It doesn't protect against false alarms. It doesn't carry the weight of finality.

It is not a journaling app. Private reflection is valuable, but it is not the same as intentional delivery to specific people at specific moments.

It is not software. The infrastructure exists, of course — secure storage, automated verification, encrypted delivery. But what the family experiences is not a login screen or a file download. What they experience is hearing from someone they thought they'd lost completely. That is not a feature. That is the entire point.

There is something else Presence Insurance protects against — something most people don't consider until it's too late.

Your heirs don't know they're heirs.

This is intentional. Presence Insurance doesn't notify recipients that messages are waiting for them. There's no alert, no heads-up, no "you've been added to someone's vault." Nothing changes in their relationship with you. Nothing shifts in the family dynamic.

They find out only when the moment is real.

This matters more than it might seem. The knowledge that someone has recorded final messages can distort relationships. It invites pressure, manipulation, the quiet corrosion of family dynamics by people who suddenly have incentives to behave differently. It creates the conditions for exactly the kind of harm Presence Insurance is designed to prevent.

So we protect against it. Your messages remain yours, completely private, until they're delivered. Your heirs live their lives without the weight of anticipation or the temptation of influence. The relationship stays clean.

When the silence is real — and only then — they receive what you left for them. Not a moment before.

Presence Insurance isn't just about delivery. It's about integrity. The understanding that your final words are sacred, and that sacredness must be protected from every direction — including from the people who will eventually receive them.

I built this because I learned the hard way what silence costs.

My father died of a heart attack. No warning. No goodbye. He left behind more than grief. He left confusion — hidden assets no one knew about, debts owed by people whose names we didn't have, and nothing written down to explain any of it.

But the money wasn't the worst part.

The worst part was the silence. The things he never said. The wishes I'll never know. The regrets he took with him. What followed wasn't mourning — it was guessing. Guessing what he would have wanted. Guessing what he meant. Guessing who he was, in ways I should never have had to guess.

I built Eterna Legacy so no family endures what mine did. Not because death can be prevented. But because silence can. And because no one should have to guess what the person they loved most in the world would have said to them — if they'd only had the chance.

The landscape of death preparation is well-established. Life insurance protects assets. Estate planning distributes property. Funeral services handle the body. Between them, they represent over a trillion dollars in annual economic activity.

None of them handle the voice.

There are products that store documents. Products that manage passwords. Products that provide account access to survivors. These are useful tools. They solve a logistics problem — and they solve it well. But logistics is not what keeps a daughter awake at three in the morning, wishing she could hear her mother's voice one more time. Logistics is not what sends a son to therapy for years, trying to reconstruct what his father would have wanted for him. Logistics does not address the absence that never fully resolves — the one that sits in the room at every birthday, every wedding, every quiet Sunday morning for the rest of a family's life.

This is the gap that an entire industry has walked past. Not because people don't care. Because nobody named it. When everything around death is framed in terms of assets and documents, the emotional void doesn't get a line item. It doesn't get a product. It doesn't get a solution. It gets silence — and the family absorbs the cost of that silence alone.

Presence Insurance is the first category designed specifically to address that void. Not by storing files. Not by managing accounts. By ensuring that a person's actual voice, their actual words, their actual intent reaches the people they chose. Automatically. Privately. With certainty.

Consider what you already spend to protect your family.

Estate planning runs $5,000 to $15,000. Life insurance premiums add up to thousands per year. The average funeral costs $12,000 or more.

Now consider what your family will actually remember.

They won't remember the efficiency of your trust structure. They won't remember the payout timeline on your policy. They won't remember the flower arrangements.

They'll remember your voice. Or they'll remember that they can't remember it anymore — that it faded faster than they expected, and they'd give anything to hear it again.

Presence Insurance starts at $199 a year. Less than the cost of dinner out once a month.

But the comparison isn't to subscriptions. The comparison is to what silence costs.

One more distinction matters. Perhaps the most important one.

Presence Insurance delivers what the person actually said. In their actual voice. To the people they actually chose.

It does not clone voices. It does not generate synthetic versions of the deceased. It does not use personal data to simulate conversations with someone who is no longer alive. There will be companies that try this. There will be products that promise to let you "talk to" a loved one who has died, powered by algorithms trained on their digital footprint.

That is not what this is.

Presence Insurance is built on a different conviction: that a person's real words — imperfect, unfinished, human — are more valuable than any simulation could ever be. That hearing your father stumble through what he actually wanted to tell you is worth more than a polished AI that sounds like him but isn't. In an era where technology increasingly tempts companies to cross ethical lines in the name of innovation, restraint is not a limitation. Restraint is the product.

The promise is simple: what you record is what they receive. Nothing more. Nothing less. No interpretation. No approximation. No simulation. Your voice. Your words. Delivered with care, received with certainty.

Life insurance protects what you leave behind. Presence Insurance protects who you are to the people you love.

Every day, people die with words still in them. Words their families will spend years wishing they could hear. Not because those people didn't care — but because they assumed there would be more time. There is always more time, until there isn't.

The category exists now. The question is not whether families need this. Every family that has ever lost someone without warning already knows the answer. The question is whether you do something about it while the choice is still yours.

— MK Founder, Eterna Legacy Presence Insurance™ eternalegacy.life