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What to Look for When You are Buying Final Expense Insurance

Dec 04, 2022

 

Cost is important, but it’s not the whole story. Take a look at the premium, the amount you will pay each month, how long will you pay that amount? It is not uncommon to pay until you are 100 or even older. Will you be able to pay that amount each month as you age? What if you live to be 100? Will the benefit stay in place? How much will you have paid in by that time? It’s not unheard of for people to end up paying more than they will receive in death benefits.   

 

Look at the coverage. How much will be paid on your death? Most policies are for a fixed amount your family will receive when you die. This is the death benefit. How soon will you be covered for the full amount? Sometimes you will need to make payments for as long as two years before you would be eligible for the full death benefit. Often the death benefit stays the same over the course of your lifetime. So, as you age and the price of funerals increases, your policy is at risk of falling short and not providing your family with enough to cover the cost of your funeral.   

 

Before you sign anything, call your local funeral home. Ask for an appointment with the funeral professional who takes care of  advance funeral planning.  When you meet with this individual be straight forward. Share your financial situation. See what the funeral home has to offer.   

 

Most of the time the funeral home’s funding program is a little more per month but you make payments for a much shorter period of time. So, you pay much less in the long run. If you are in good health you will most likely be covered as soon as the policy is issued. Some funeral homes even offer a cost guarantee which means you have no worries about the rising cost of funerals.  

 

It’s always worth the extra time to be sure you are getting the best final expense coverage you can afford. The one that will really be there for your family when it’s needed. 

 

Funerals are Changing … but Grief is Still the Same

By Platt's Funeral Home Admin • 11 May, 2024
Without a doubt, funerals are changing. Funeral services have become less formal and are noticeably more personal. They are sometimes religious and sometimes they are not. Funerals are often shorter and sometimes take place weeks after the death. There may be more songs, more pictures, and there is much more creativity at many funerals today.

Remembering a Rabid Football Fan

By Platt's Funeral Home Admin • 03 May, 2024
Fans purchase large screen televisions just to watch the game. Others set up multiple televisions in their game day viewing rooms. All manner of hats, shirts, blankets, sweaters, jackets, mugs, and glasses in team colors are sold each year. Added to the dollars spent on equipment and tickets to events, it all adds up to $100 billion spent each year by fans. Football fans are mighty in number.

Vanished Without a Trace

11 Apr, 2024
No obituary was written, no stone was laid, no words were spoken, no one gathered, no songs were sung and yet… She went to church almost every Sunday of her life. She loved music. The opera and the song Amazing Grace were at the top of her list. She played golf and bet on the ponies. She traveled to China and saw the Great Wall, and to Rome, Paris, and Budapest. She won trophies at golf. She skied and was a master at bridge. She swam in the ocean, collected seashells and watched the whales. She read hundreds of books and saw scores of plays and movies. She painted walls, and flowers, and pictures of her pets. She raised five children and played with grandchildren and great grandchildren. She went to all the weddings, graduations, bridal showers and baby showers. She moved her family and her life 11 times to accommodate her husband’s career. She made new friends (that she kept forever) everywhere she moved. She started a new career of her own time and time again. And made more friends. She called friends, visited friends, wrote to friends and hung out with her friends.  She was loved by her family and they visited often. Her home was full of pictures of family and friends. Her grandchildren learned about growing flowers and berries and tomatoes from her. She lived a long and productive life.   So how, you might ask, did she come to pass from this earth without the event being marked or her life celebrated? How is that her friends do not even know she is gone? Why are her children and grandchildren bearing the loss without the comfort of each other’s company?  She told them, “Please don’t make a fuss.” Her family took her at her word. No fuss was made. She vanished without a trace.   www.plattsfuneralhome.com

Preparing The Eulogy

28 Mar, 2024
Writing and delivering a eulogy can be a daunting task. How do you sum up a life in three to eight minutes? If you are not accustomed to public speaking, the idea of “being on stage” can add to the discomfort. But take heart: what you are going to do is important, but perfection is not required.

Scam Protection

15 Mar, 2024
How do I protect myself from scams that have become all too common in society today? How do I prevent myself from becoming a victim of the scammers who are on the phone, on the computer and at the front door?

Age-Associated Financial Vulnerability

01 Mar, 2024
Read this blog even though you don’t want to. Especially if you or your parent is over 65 or living alone. Age Associated Financial Vulnerability is a real thing and it affects intelligent, independent people. The Consumer Financial Protection Bureau puts the cost of elder financial exploitation as high as $36 billion a year.

Grief is Individual

15 Feb, 2024
Let’s talk about the stages of grief. There is denial, anger, bargaining, depression and acceptance. I studied them in nursing school, reviewed them when I got divorced and generally found them to be a pretty accurate and helpful bit of knowledge. And then, a family member died. Stages?

How Should I Prepare for My Funeral Preplanning Meeting?

02 Feb, 2024
First, relax. Talking about your funeral plans might make you a little uncomfortable at first but making a plan doesn’t mean you will be using it anytime soon. Your funeral director or advance planner will guide you through the process. Most people get very comfortable in just a few minutes.

It's Not Really a Funeral Plan if it's Not at the Funeral Home

19 Jan, 2024
Can I just say that funerals stick in the mind of a loved one years after a death? It’s important that you get it right . Please don’t put your wishes in the drawer with the rest of your files. Oh, and that thing where you tell the kids what you want. That’s not the best either.

How to Dress for a Funeral

06 Jan, 2024
First, understand that what you wear to the funeral is much less important than actually going to the funeral or gathering.  Don’t underestimate the value of your presence.  Your kind words, shared stories, or even just a hug will mean a great deal to friends and family when there has been a death. Don’t let not having a pair of dress shoes keep you from offering your support.  That being said, what you wear depends on several different factors. The first thing to consider is who died.  If your 80-year-old grandfather passed, the funeral is likely to be more traditional. His older friends will attend, so you will want to be more conservative.  A pair of slacks and a collared shirt for men and boys will do nicely. If you own a sport coat, by all means wear it. A tie with or without the jacket would be a nice, but not a required, addition.   For the ladies and girls, dress slacks and a nice sweater or blouse will serve the purpose. A dress or skirt would also be lovely. Do pay attention to necklines and length of the skirt.   When the funeral is for a younger person or will not be faith based, it may be more informal.  A celebration of life is typically more relaxed and may even have a theme that the family will ask attendees to support.  So if you’re asked to wear golf attire to the funeral of an avid golfer, don’t be surprised.   Like the dress code for most events today, what we wear to a funeral has relaxed. Black is no longer required, but neat, clean, and subdued are always in good taste.  A funeral is not a place to stand out or be the center of attention. As you survey your wardrobe, think in terms of what you would wear to an important job interview or something you would want to wear to apply in person for a bank loan.     www.plattsfuneralhome.com
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