Invalidating life insurance

16-Oct-2018 22:08 by 5 Comments

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That means you can lock in today's prices no matter when your funeral is held in the future.

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In drawing up pre-paid contracts, funeral directors may offer guaranteed prices for some items but not for others.

You can name any beneficiary, typically a family member, who would make the claim and receive the money upon your death.

That beneficiary would then be responsible for using the money to carry out your wishes.

This too lifts the burden from family members and helps ensure that your wishes are carried out.

There are three main ways to fund a pre-paid funeral: Final expense insurance, also known as burial insurance or funeral insurance, is a life insurance policy with a low face value, such as ,000 to ,000, that you buy directly from an insurance company.

Globe Life's final expense policies are "term to 80," meaning that the policies expires at age 80 if no benefit has been paid.

They are "simplified issue" policies with applications that ask for your medical history going back three years.

This allows you to go in and make arrangements for some or all of your own funeral, down to every detail.

The funeral director will give you a price list for goods and services, which is required under the FTC's "Funeral Rule." Pre-planning relieves your family of significant stress and uncertainty over arrangements.

Here are some things you should consider on the process.

Most funeral homes today offer pre-planning services.

The median price for a funeral is about ,000, according to the National Funeral Directors Association, and costs can rise significantly beyond that figure given the wide range of add-ons available today.

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