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Paying for a Funeral - Funeral Insurance

The cost of funerals are rising year by year. Many funeral homes will not tell you that you can have a perfectly good funeral service for half their typical costs. Unfortunately and for obvious reasons, most people are not in the 'save money' frame of mind when they visit a funeral home. If you have ever had to make arrangements for a loved one, you understand.

Many funeral homes may try to sell you on a traditional service running in the neighborhood of $10k-$15k. If your loved one did not have insurance nor preplanned for his or her passing, a close family member will be left with the bill not to mention copping with a devastating loss.

What can you do? Shop around. I know this may sound odd but it's a prudent approach to the future state for the person left paying the bills. Typically, the person left paying the bills is not in a proper state of mind to shop around nor has the desire to do so. Preplaning can go a long way in this area but many do not want to think of the their own demise for obvious reasons.

Funeral insurance is another possibility. Insurance plans vary depending on the provider but most will cover any costs directly related to your funeral. Where can you purchase funeral insurance? Check with your local insurance agent or local funeral homes. You should insure your funeral for at least $7k. Keep in mind that many policies will accure interest which will help to combat inflation. Be sure to check the fine print.

If you do not have insurance nor any immediate funds to pay for a funeral, consider contacting your local county officials. Some counties offer compensated services if you qualify. In addition, consider all the avenues such as the local coronor, Social Security, Goodwill and the Salvation Army. If the person was a veteran, consider checking for the local VA for assistance.

If you want to benefit science, you may consider the Anatomy Gifts Registry (AGR). The AGR is a non-profit whole body donation program and provides a no-cost alternative to traditional funeral services. Visit their site for more information - www.anatomicgift.com.

As funerals become more and more expensive, consider shopping online to save costs. The Casket Place has assisted many individuals in time of need. We created our services to specifically combat the high cost of traditional services. The Casket Place offers deeply discounted caskets and urns to fit your budget.

We found the following article a good source of information as well:

Get Cheap Funeral Insurance - Find the Option for You, Low Cost, Benefits

Dying is big business in the USA. Most funeral homes and there directors are nice people but as in any business you will find those who will take advantage. Let us ask ourselves who is more vulnerable than someone who has just lost a loved one.

Learn how to find: Discount Funeral Insurance

There are many misconceptions about funerals and burials and we will attempt to make things easy for you to understand so that you can find funeral insurance.

Get some Advice about: Types of Insurance

First embalming is not a legal requirement but in some states after 24 hours it is required and other state have no requirements at all. Refrigeration is also an alternative that is now offered. A viewing of the body is not a necessity, for some people this may even have a negative effect. In surveys it has been stated that 32 percent of people found it to be not comforting at all. Most people start saying there goodbyes long before death occurs. If the family members choose to have one last look this can then be arranged by the funeral director.

Choosing a casket is really when they tug at the heart of the deceased family. There is no need for a protective or expensive casket. Processes that interfere with the normal decomposition of the body are unnecessary.

Cremation is another area for misconceptions because there is no need to purchase a special urn to bury or store the ashes. They can be kept in the vessel and they are given to you at the time of cremation. Ashes can be buried on any private property as long as the owner gives permission. Cremation means that there are no longer any health hazards so therefore it is considered a final disposition of human remains.

Prepaying for a funeral by using funeral insurance can be a good option for you because first and foremost it takes most of the decisions out of the breve family members. Also you will be paying for the funeral using todays cost. Just remember that all of your plans can not always be meet due to extenuating circumstances. If you are ok with that then this can be the right decision for you. Certain cost such as flowers, autopsy, clergy and obituary notices will be paid by the family estate.

Funeral insurance can be an excellent choice for you so that you can take the worry out of a situation were you may be in distress. We have attempted to make this information on funeral insurance easy for your loved ones you in there hour of need. As with any other business dealings try to work with people you feel comfortable with and that they have been recommended by someone you trust.

Author: Bryan Burbank
Article Source: http://www.articlesbase.com/insurance-articles/get-cheap-funeral-insurance-find-the-option-for-you-low-cost-benefits-473812.html

 

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