Monday, September 9, 2013

Take the Burden of Funeral Organization from Your Loved Ones

As people age, the fear of death and the grief it will cause loved ones creates anxiety and stress. Much of the senior population has few debts, and homes and cars are usually paid off by the time they reach their 70s or 80s. This relieves the stress of blanketing a spouse with never-ending bills, or the fear of losing a beloved home after a death, and negates the need for standard life insurance. Yet many people don't quite comprehend the extraordinary costs involved in a funeral and burial. For this reason, the elderly population is strongly encouraged to investigate Final Expense Life Insurance quotes. This kind of life insurance will cover all the obvious, and the not-so-obvious costs of laying a loved one to rest. There are several types of final expense insurance which can be tailored to needs and budget. The greatest advantage to purchasing final expense insurance is the ability to pre-plan all details of your funeral, making family members grateful to be spared this painful and confusing task. The average cost of a basic funeral is about $6,000. This doesn't include extras such as flowers, newspaper obituaries, limousines to escort family, grave-site services, or plots. Considering these details, the price of a funeral can reach $10,000. When a person dies, his or her family members are clouded in grief and often unable to make rational decisions. Many times family members will feel so bad they agree to unnecessary, over-priced caskets, and other extras that help cushion the grief of the moment. By pre-planning your own funeral, and obtaining final expense life insurance, the people you love won't have to make any agonizing decisions. Final Expense Policies to Choose From When searching for final expense life insurance quotes, be aware that there are two kinds of policies. One is 'term life,' which will only cover a policyholder for a specific amount of time or up until a certain age, and then it will expire. But 'whole life' insurance covers a person for the remainder of his life. Another type of insurance is 'Pre-Need Life insurance.' This kind of policy is purchased from a funeral home director, not from a typical life insurance agent. The funeral home is the beneficiary and this policy is a good choice for those who wish for their specific arrangements to be paid for and executed as planned, and also saves family members any arrangement involvement. They only need to attend the funeral and celebrate your life. A 'Pre-Need Trust' is an insurance policy that entails putting money into a trust, always a federally insured bank, where it sits until it is distributed to your funeral director upon your death. With any of these policies, be sure when shopping for the best final expense life insurance quote to get written guarantees on every cost of all funeral and burial expenses. Death is a certainty, and difficult to cope with for those left behind. Make it easier on them by investing in final expense life insurance.

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