New Rates Refreshed: 07/16/24

Determining Final Cost

A common mistake that individuals make is not taking into consideration all of the expenses that will be connected with their funeral and burial process. Consideration should be given to what you want your afterlife resting place to be. Is it your choice be to buried, or will cremation be more in harmony with your wishes? What type of casket would you want? And where would you want the plot of land for your afterlife resting place to be? A good way to gauge how much all of these things will cost, and thereby determine the face value of your final expense insurance policy, would be to speak to a reputable funeral director in your area.

A basic immediate burial plan provides a simple, yet dignified funeral arrangement. These things would include a modest graveyard service and a simple casket. Things such as the viewing, the plot of land for the burial, decorations and flowers, and a headstone would not be included in this basic immediate burial policy. These would have to be paid for separately. An immediate plan can be purchased either for those wishing a burial or those who prefer cremation.

A more traditional funeral service is going to include things such as the viewing, the hearse, and cremation. This option is going to be more expensive than the immediate burial plan.

When considering the amount you will want your final expense insurance policy to be, think about the other extras that you may wish to be included in your service. These would include things like limousines, processions, and flowers. Also, tasks done by the mortician including dressing the body, watching the body, and embalming the body should also be considered and included when deciding the details of your policy.

While many mortuaries have set packages that they offer to their customers which include certain services, customers are often able to choose to have additional services included in these packages. This reinforces the point that speaking to a qualified funeral home director is a good idea prior to selecting the policy amount for your final expense insurance. This way, you will be guaranteed to have an accurate price that covers all of the options and choices that you may want. Remember, you do not want to have grieving loved ones also be saddled with these unnecessary financial obligations.

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