Funeral
Getting Funeral Insurance: What You Need To Know
January 16, 2012 | 
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It is an unpleasant but inevitable fact that everyone dies eventually when the time comes. Though the thought of dying greatly petrifies most of us, this is an ugly but inescapable truth. However terrifying the idea of death may be, we must always be ready and accept this inevitable fact.
Departing from this life for an eternal repose is so poignant for both you and your family but it pains the more to those who will be left, your family. Indeed, the coping process alone is not easy plus the fact that your family needs to provide you a decent wake and a final resting place. However, if you want to ease your family’s burden and ensure that you will be provided with a decent wake and final resting place, getting funeral insurance is the best you can do.
What Is Funeral Insurance?
Funeral insurance plans, also known as burial, final expense or pre-need insurance, refers to a group of insurance products that are designed to cover or provide for your funeral expenses by paying in advance. For just a nominal amount every month, you can be certain that your funeral is arranged and the cost of organizing your funeral is taken care of and paid for in advance, so the burden isn’t left to your family or beneficiaries.
A funeral insurance cover can take care of all the fine details of your funeral like the casket, the flowers, and the service. Every aspect in between is covered by funeral insurance.
Funeral insurance is different from that of life insurance in the sense that the latter takes care of the people who will be left behind after your death while the former, that is a funeral cover, will take care of your funeral.
What are theThree Types of Coverage for Funeral Expenses?
You can purchase funeral insurance plans from an insurance broker or funeral director. They will write the burial policy which covers specific services and/or products you might feel are vital. This may include covering the casket, funeral service, visitations or viewing, hearse, digging and filling the grave, the actual cemetery plot, burial vault or grave liner, minister, headstone, and flowers. However, there is no standard type of funeral insurance policy. Moreover, the amount of funeral insurance coverage varies and depends on the amount you want the final expenses to cost. This ranges from traditional whole life insurance to policies or agreements that only cover funeral expenses, specifically:
Life insurance with family member as beneficiary. There arelife insurances that cover funeral expenses. However, you can also purchase life insurance with the main purpose of using the proceeds to cover your funeral expenses. You can name a family member as your beneficiary, and discuss your funeral plan with them.
Life insurance with funeral director named as beneficiary. Some funeral homes may provide a small whole life policy with a contract for funeral services, with the requirement that the funeral director is the beneficiary of the policy as part of their services. In this type of life insurance, you maypay for just a part, or the entire funeral expenses, using the life insurance policy that you have paid for. However, the death benefit goes exclusively to the funeral home, not to your family.
Pre-need contract with funeral home. This type of contract usually includes the burial plot, grave marker, casket or urn, embalming or cremation, flowers and funeral cars. There are some policies that do not specify what the death benefit can be used for. In that case, the beneficiary decides on how the money can be used.
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How to Arrange a Funeral
It’s a challenge that most of us will have to address one day. Even if we never have to arrange a funeral for someone else there’s always our own send off to think about – particularly with the sensible trend for planning funerals while we are still alive.
Are funeral arrangements in place?
Assuming you’re faced with the challenge of arranging a funeral for someone else, one of the first tasks is discovering whether they’ve left any funeral plans. The deceased’s will is a good starting point. Other possible sources of information include the following:
- A letter of wishes (perhaps stored with the will)
- An online funeral planning resource such as The Well Planned Funeral
- Recalled conversations with the deceased
If the deceased has stored funeral wishes online, you may even be notified of their wishes by the website. The information might be as simple as a choice between burial or cremation. On the other hand, you could find yourself managing an unusual funeral arrangement request such as a burial at sea.
Understand the deceased’s wishes
As the person responsible for organising a funeral, you and other loved ones are responsible for fulfilling their wishes as closely as possible. Obviously, financial means and logistical practicalities must be considered when planning a funeral – not everyone will be able to have their ashes made into fireworks and blasted into the sky as writer Hunter S. Thompson’s were. At this stage, you might also discover that the deceased had already made their own arrangements by subscribing to a prepaid funeral plan.
How to arrange a funeral – contact an undertaker
Once you understand the deceased’s funeral wishes, you’ll usually contact an undertaker. A reputable undertaker is an experienced funeral planner who’ll guide you through the required procedures. Whether it’s a sophisticated funeral or a simple cremation, the undertaker and their team are powerful allies at an emotionally challenging time. They’ve been through the process many times so draw on their expertise to help with the administrative and practical burdens that you’re facing. And of course, friends and family are another valuable source of funeral help.
Practical funeral actions
A major part of the funeral will be the ceremony itself. How to arrange a funeral will depend on the deceased’s beliefs; these may dictate an elaborate religious ceremony or a simple alternative funeral. Whatever its form the funeral ceremony represents the culmination of mourning and the opportunity for everyone to say goodbye to the deceased. Start making a funeral checklist as soon as you can; it’s a sensible way to make sure everything is remembered. Important parts of the funeral service usually include the following:
- Decoration of the venue with flowers and/or other meaningful items
- Funeral music
- Poems or readings
- Religious rituals (if appropriate)
- Tributes and appreciations
- Committal of the deceased for burial or cremation
When the funeral’s over, the mourners will typically move to a cemetery or a crematorium for the committal of the body. After this, it’s usual for mourners to join the friends and family for refreshments – a wonderful opportunity to reminisce and celebrate the life of the deceased in more informally.
How to arrange a funeral – many people plan while they’re alive
Increasingly, enlightened people take responsibility for their final send-off while they’re still alive. From burial instructions to details of funeral flowers arrangements or a poem to be read at a funeral, it’s a great way to make sure your wishes are fulfilled. Whether you do this by leaving instructions in your will, investing in a prepaid funeral plan or learn how to arrange a funeral through an online funeral planning resource will depend on your personal preferences.
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Planning a Funeral With the Funeral Director in Your Community
Contemplate this; a funeral home is in the business of organizing one of the most critical days of a person’s lifetime. Who is the funeral director in your community? You may not be ready to die but when it happens, neither is your household ready for the grief that follows. Funeral Directors instantly become counselors, floral arrangers, caterers, funeral price accountants, will advisers, eulogy writers, death announcement writers and grief counselors. Put yourself in their competent hands now and let them guide you to do what you need to do every single step with the way and your families grieving period will be considerably less complicated and less painful. Arranging a great funeral starts by knowing the way to approach a perfect funeral. Arrange your funeral now to save your loved ones during their time of grief and to potentially save them money at probate.
First and foremost, do you have a will? You would do best to look for a lawyer that specializes in wills, the power of attorney and living wills. Why do you require having a will even if you do not own anything you may ask, easy, it makes life better for those you leave behind. It details exactly what you “will” even after that you are buried or cremated. Having an executor will ensure that you have one person in charge as apposed to potentially having too many family members arguing over the planning process.
Secondly, you will need to locate a funeral home. Interview the funeral homes within your area. Do they offer the services you feel your household might be most comfortable with? What can they do to previous plan a funeral within your budget? When you discover a funeral director that you know will carry your requests out he or she will review things like the charges and fees that work within your family needs for arranging your funeral. Detailed outline of all costs of your funeral and making arrangements upfront for payments and payment plans may be offered. Included in the funeral program costs of arrangements and price lists for coffins and urns etc. will all be disclosed and signed for.
Following that, detailed funeral arrangements and detailed facts about the burial or cremation support to ensure the best possible funeral for your family. Which person or persons will you want to deliver the eulogy, and how you can write a eulogy in advance may be discussed as well as, whether you wish live music for just a funeral service or if you wish it during the viewing. Talking about this openly may very well put the families’ minds at ease.
The funeral director will even share with you what music is most popular at funerals at this time. You may also ask about how to write a poem or where to locate a poem being used at your funeral, perhaps in the announcement or on the memorial card.
You will provide a list of immediate family members names, schools, organizations, churches and associations attended by the spouse and children member for being included inside the death announcement by the funeral home.
You may discuss flowers being purchased for your funeral program or charitable donation you want mentioned. Some funeral homes even offer the service of providing catering of food to the funeral location and/or arrangement of area to become included inside the announcement in the newspaper. Always photographs and memoirs to individualize the viewing time and enable people to keep in mind the great times during a lifetime.
It is here that you will also discuss what clothing will be worn at the burial. Having a family member present, preferably the executor will put your minds at ease.
Ask if they also have in place how they would recommend that your loved ones will be easiest contacted and offer to them at that time, the support they will need through their stages of grief. Bereavement counseling available may be offered and the location of bereavement counseling.
Let us face the facts; many ethnicity do not decide on for a functional funeral service ahead of time. I want you and your family give some thought to this for a moment. Many of us usually take some time in order to prepare for a labor and birth, years to plan for a wedding and reception and a short time to prepare a funeral service! Do you realize the fact that funeral homes and funeral directors talk with families during the most upsetting serious amounts of time and need days to plan for which might realistically require much longer? I want to recommend to people today in giving funeral planning some consideration. All of us cherish and nurture each of our children and our families almost all our lives as if it truly is our spiritual motive. You could start to eliminate the particular stress regarding funeral planning in order to lessen the pain during their bereavement process. Preparing for the funeral while you are alive is less demanding compared to the not known territory when someone you love leaves you and your funeral director will be there to help during the process of you planning a funeral.