Thinking about our inevitable demise is really uncomfortable and it comes even harder to start planning in advance our own funeral. Many people choose to plan their funerals instead of leaving the remaining relatives handle it. The bill is extremely expensive and any financial help is well appreciated. Life insurance no medical exam required policies are another way to provide assistance to your surviving beneficiaries.
Funeral costs are ever increasing- this is a fact. In ten or twenty the prices will be significantly higher than the current ones. The National Funeral Directors Association has displayed a list with the usual funeral services and their costs. On the list they include: embalming services, use of a hearse, tombstone, casket, use of a service van, vault, digging fee and the list seems endless.
The total costs are around $10.000 and that is just the minimum cost. To understand better the price fluctuations visit first a funeral director and discuss about all available services, their price and future prediction of prices. Unlike many other events in life, a funeral can be detail planned and you can get fair price estimates.
Based on those estimated, you can figure out how much to save. Burial life insurance is an attachable life insurance rider that acts like a permanent life insurance. It is offered by companies independently of funeral related merchandise and services. Different companies include different plans for their final expense policies.
The premiums can be included in an already existing life insurance policy, purchased from the same company, or they can be paid separately, as an individual service. Also, some companies require monthly payments, while others prefer to collect the money after a period of several years. There are many options on the market and you must study them well before taking any decision.
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