How Long is a Funeral Service? | Typical Funeral Duration
How Long is a Funeral Service? | Typical Funeral Duration Last Updated on: August 19th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote The question “How long is a Funeral service” may vary depending on certain factors such as the type of funeral services that the family of the deceased agrees upon, the rituals and customs they wish to practice, delays according to the wishes of the family, and friends, the deceased’s wishes, etc. These are just some reasons why a funeral service could be shorter or longer, but in most cases, an average funeral service would usually wind up in an hour. Whether you’re attending a funeral service for the first time or preparing for a loved one’s final passage, here’s what you need to know. Read on to find out what to expect, the different types of funerals practiced depending on communities and religion, and how long funerals should and usually last! Get Free Quotes Customized Options Await Quotes Now How long is a Funeral Service: How long is a Funeral service? A typical funeral service lasts around an hour, although some funerals can last several days, subject to custom and religious beliefs. Some services can be as short as 20-30 minutes, but remember to allow extra time for people to enter and exit when booking a venue. You might wish to look into booking a double time slot if the funeral may run over just to be on the safe side, though remember that this will cost you more in crematorium and cemetery fees. Some services are deliberately kept short, and then some time is set aside for people to share stories of the deceased. Funeral service slots are usually allocated on an hourly basis, but it’s possible to request more time. Some services last up to two hours, with time given over to hymns, speakers, music, readings, and so on. Some places charge a late running fee, in the instance that the service runs over schedule. You can get a rough idea of how long the funeral will be by the length of the order of service (funeral service schedule), which is given out as you enter the service. This will detail how the service is to be structured, for example, it might start with a song, then the eulogy may be read out, and then there may be several poetry readings. If you are arranging the funeral, speak to your celebrant or minister for a more precise time estimate of the service. If you need to leave early, be respectful and exit quietly. The family will understand if you cannot stay for the whole service, or can only attend a part of the funeral. Use discretion and leave at a time that will cause the least disruption. – Funeral wakes/receptions Funeral wakes/receptions tend to last a couple of hours, but it is expected that people will come and go during this time so you do not need to stay to the very end. The bereaved family will usually stay throughout to speak to guests but don’t feel compelled to be present. Funeral visitations, where people visit the family at the funeral home, don’t last for a defined period. There’s no rigid etiquette for visitations, but most people stay for at least 15 minutes and many stay longer. People can come and go freely, and you don’t necessarily have to view the body. Factors That Influence A Funeral’s Duration Besides religious rituals, several other arrangements and settings can extend or shorten a funeral or memorial service. – Cremation vs. Burial Service Funeral services fall between two broad categories – a burial or a cremation. Burial services typically take more time than cremations because there are more things to get through. A cremation service usually culminates in a cremation without much delay. However, a burial often involves a formal gathering or funeral procession to the burial site after the service. – Elements of the Funeral Service A funeral home service will offer different services and assistance for conducting your loved one’s final service. They may offer standard packages that cover services that most families want. Funeral homes may also offer additional services like floral arrangements or larger halls depending on what the family desires. These added elements may extend a funeral’s duration and their absence can shorten the service. – Reception and Location When a funeral includes a separate reception or wake, it can add time to the proceedings. Similarly, holding the service and burial at different locations will require more time due to transportation and logistics. Funerals that host the service in one location (Eg. Funeral home) and the burial in a separate location (E.g. cemetery) will take more time considering the transportation and commute between the two locations. – Budget and Personal Preferences How long is a Funeral service can also be influenced by budget and personal preferences. Families aiming for an elaborate farewell might opt for a longer service, while those seeking simplicity, or adhering to a tighter budget, might choose a shorter ceremony. The funeral’s budget also influences the duration. Funeral homes and services charge by the hour for the duration you occupy the premises or use the facilities. A longer service implies higher costs. So, the organizing family’s budget also influences how long the funeral service lasts. – Funerals Usually Follow a Standard Structure While religious, cultural, and personal preferences influence the details, most funerals today adhere to a familiar structure that is both practical and comforting. In most instances, a small formal gathering ensues where a leader presides over or addresses the congregation based on the person’s religious preferences. Then, the body gets moved to the burial site or cremation area for the final act of goodbye. Some families may conduct a memorial or Thanksgiving session in honor of the deceased where close friends and family stick around to share stories, show support, and share good food. You can find this general structure
Cheap Funeral Cover for Extended Family- Get Covered Today
Cheap Funeral Cover for Extended Family- Get Covered Today Last Updated on: August 16th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Trying to Decide on the Right Funeral Cover for Your Extended Family? As your family grows and your responsibilities increase, it’s crucial to adjust your insurance coverage to ensure everyone is protected. Choosing the best funeral cover for extended family members can be difficult, given the variety of options available. Before making a decision, it’s important to gather all the necessary information to find Cheap funeral cover for extended family that fits your specific needs and provides the peace of mind you deserve. Let’s started, Get Free Quotes Customized Options Await Quotes Now Funeral cover for extended family Cheap Funeral Cover for extended family helps to pay the costs for a family member and relieves the financial burden on your family without the need for multiple policies. These features are the following: Breadwinner Benefit: If the main insured member dies, the policy will be paid up for the other members who are under the policy, based on the period of the policy. The policy also has provisions for spouses, children, parents, and parents-in-law if the death occurs within the first ten years of the policy year. After 10 years the remaining members of the extended family will also be included in this budget. Parent Benefit: A maximum of four parents (your own and your spouse’s) can be added under this benefit, and a separate premium will be payable for each parent according to their age. Extended Family Benefit: It is possible to add up to six members of the extended family and their premiums will be required depending on their age. Children’s Benefit: Stepchildren and adopted children are allowed to be included in the policy as members of the insured family. Accident Benefit: If the main policyholder passes away due to an accident, double the insured amount will be paid out. Funeral Cover… What Should You Keep In Mind? What is essential to think about when it comes to funeral cover? Funeral cover is the easiest way to make certain that you as well as your family are protected from death. When deciding on a funeral cover product, you have to prepare questions first. Think about what you would need and what would be vital to you in the event of a death in the family. These are such important points for you to take into consideration! Make sure that you purchase cheap funeral cover for extended family. – Is there an age limit? While most funeral covers do not require that you undergo a medical examination, there may be some limits that are applied based on age. For example, there is a limit on the cover amount children and senior citizens can get. By law, children under the age of 6 years old can be covered for R10,000, and children between 6 – 14 years old can receive a maximum cover of R30,000. Senior citizens can be covered once they have exceeded the waiting period. – What is the waiting period? The waiting period is a safety measure that is imposed by insurance firms to shield themselves against risky customers. This only tells you that when you have bought a policy, you cannot start claiming within the first six months. If you or any of your first-degree relatives die within six months then your claim will not be and your insurer will not be legally bound to pay for your funeral. However, if you or any of your extended family dies within the contracted six months, they will be covered. – Extended Family Members… Who Are They? Who exactly is an extended family member? An extended family member can vary from your parents to your domestic worker. You may be interested in learning what else you should be aware of when it comes to extended family members. The people in your life who you would like to make certain have a suitable burial are extended family members. Make sure that these people have a suitable burial! Why should you consider taking out Cheap funeral cover for extended family? A funeral can’t wait for months and most services are payable upfront. Including funeral cover for extended family members in your policy provides access to funds when you need it most and helps prevent them from taking out loans to host a respectable funeral. If you have family members who are approaching retirement age or are financially reliant on you and have never purchased a funeral cover, you can add them to your policy. Would your family have enough money to pay for your funeral if you had to die? If one of your loved ones passed away, would you have the money to pay for their funeral? If you answered no to one or both questions, it’s time to conduct some research and select a funeral policy for an extended family that’s right for you. How do you find the Cheap funeral cover for extended family? Keep on reading and we will explain. How to get Cheap funeral cover for extended family? You already know you need a funeral policy for extended family to ensure burial costs are taken care of, but you’ll also need to choose how much cover you require. Different policies provide varying levels of coverage to meet people’s particular demands and budgets. Remember that when you purchase Cheap funeral cover for extended family, you will be responsible for all the premiums, as the policyholder. It is a big responsibility. Thankfully, most providers enable you to reduce your plan, so if you suddenly can’t afford to pay the full amount for whatever reason, you can adjust your cover and or benefits. Comparing funeral cover quotes and benefits will help you determine which is the best funeral policy for your specific needs. Some of the things to consider would be: How many extended family members can be included
Above Ground Burial Vault: A secure and best Choice
Above Ground Burial Vault: A secure and best Choice Last Updated on: August 9th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote The final disposition of your loved one does not always necessarily need to be in the form of in-ground burial. Now, there are other options available that are more common than you may think. Above-ground burials. A question we often hear from families is, “Can you be buried above ground?” and the answer is yes, there are in fact a few different ways to have an above-ground burial. Let’s discuss the above-ground burial vaults. Get Free Quotes Customized Options Await Quotes Now What is an Above Ground Burial Vault Above ground burial vault, or mausoleum, is a very solid container, usually granite, that is used to hold one or more caskets for cremation niches. Above ground burials require a mausoleum, an above ground burial vault, or crypts or niches within a building or structure. Mausoleums are used for the above-ground placement of a casket or funeral urn. Caskets are placed in mausoleum crypts and urns are placed in cremation niches. Three types of above-ground interment are burial vaults, mausoleums, and columbaria. Interment is the burial of a corpse in a tomb or grave, usually with funeral rites (ceremony). Crypts can also be considered to be above-ground vaults or mausoleums, where the full or cremated body of the deceased is interred. In the United States, a crypt, or above ground burial vault, is typically referred to as a private mausoleum, individual mausoleum (single crypt), or public (community) mausoleum in which where the intact remains or the cremated remains of the deceased are entombed in containers typically constructed with granite. How works In any case, mausoleums or Above Ground Burial Vault is for above-ground placement of a casket. Caskets are placed in crypts, which are made of heavy materials like concrete (or stone, in ancient times). Crypts are built, shelf-like, from floor to ceiling and along each interior wall of the mausoleum. Some crypts are built to house two caskets, which is an option for married couples who choose to be buried above ground. – Above ground Burial Vault is Traditional Ground Burials A burial vault, otherwise known as an outer burial container has the purpose of protecting the casket from the earth and stopping the ground from sinking in above the casket. The material used is concrete and manufactured at the plant right here at the Gardens at a lower price for you. The concrete burial vaults are incredibly durable and meant to last for years to come. – Burial Vaults Help Preserve the Grounds Burial vaults are needed to safeguard the remains within. Burial vaults are also collective in-ground burials. Heavy maintenance equipment is used over the grounds for proper care. The extra container acts like a shield and helps keep water and insects out of the actual casket. Grounds crew works tirelessly to maintain the quality of Mobile Memorial Gardens. You can rest assured that the integrity of each burial remains intact through the permanence of our structures and the maintenance of our grounds. 5 Facts About Above-Ground Burials The final disposition of your loved one does not always necessarily need to be in the form of in-ground burial. Now, there are other options available that are more common than you may think. Above-ground burials, for example, have known origins linked to cemeteries creating an option for burials to happen above-ground due to floods. To continue to learn more about above-ground burials, here are five interesting facts. – It is considered a traditional form of burial Believe it or not, above-ground burials are just as traditional as in-ground burials. The difference? It all comes down to personal choice, but those who do choose above-ground burial will tell you it comes with many more benefits. It is considered more traditional because it is accepted across all major religions and most cultures. New Orleans, Louisiana, was nicknamed the “Cities of the Dead”, referring to the large quantity of above-ground burials that were assembled. – It requires a mausoleum entombment Above-ground burials require a mausoleum or Above Ground Burial Vault, a man-made structure within a building. Mausoleums are easily recognizable from traditional burials, as they stand out in beautifully architectural structures. Above Ground Burial Vault also come in the form of crypts that contain a casket with no vault. Cremated remains are also allowed in above-ground mausoleums, so you will not have to worry about not having this as an option. Companion units are most popular amongst larger families that desire to have a reserved section. One may then choose between a private estate or a public community-style chapel with a climate-controlled environment. – The cost will vary Although above-ground burials are considered an affordable option, the cost will always vary. One must first take into account the public or private preference, followed by the number of tombs, the type of shape and size, along with many other characteristics a funeral director can further explain through pre-need planning. In the end, you are getting what you pay for, so making the vast decision on the details of how you want your loved one memorialized matters. – Known as the only dry form of burial Above-ground burials are truly the only dry form of burial and are also the cleanest. They are especially useful in high-prone flood areas as they are kept at a higher level with concrete material. During rainy or colder seasons, families can comfortably visit their loved ones under a protected roof. Lastly, maintenance requires less lawn care. – Not all cemeteries can accommodate it While cemeteries offer different burial options, the cemetery may not always have the space for above-ground burials. In general, above-ground tombs are efficient in-ground space. Still, because they vary in size from the ground up, it could play a role in the cemetery grounds’ limited capacity. Talking to the cemetery staff about the space will
Best Free Burial Insurance for Seniors: Is it True?
Best Free Burial Insurance for Seniors: Is it True? Last Updated on: August 9th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Are you worried about the high costs of funerals? Discover the best free burial insurance options for seniors. It’s always comforting, for seniors and their families, to know that they have an insurance policy to cover expenses such as a casket, funeral, and burial plot. To answer the question of whether the best free burial insurance for seniors is available, or which policy is the most beneficial for seniors, this article compares the insurance policies available. Get Free Quotes Customized Options Await Quotes Now Is There best free burial insurance for seniors? Free burial insurance does not exist. To get insurance, you need to pay for it if you want insurance to meet your funeral expenses. Fortunately, final expense policies were created especially for seniors with a limited income, thus, they are cheap. People should be wary not to fall for these faked ads that you see so often in the mail and on Facebook. Best free burial insurance for seniors, is this true? It is crucial to note that there is no free burial insurance for senior citizens but there are ways that can be accessed to finance burial costs or lessen the load on the families. Social Security: The Social Security Administration provides a lump-sum payment of $255 to certain qualified beneficiaries for funeral and burial expenses. This amount is reasonable and will not be enough to cater for full burial expenses. Non-Profit Assistance: There are many Non-Profit organizations that help in Payment for funeral and burial expenses to those who cannot afford it. It can be helpful to look into any local support groups that may be available. – Life Insurance Alternatives Final Expense Insurance: However, unlike fully comprehensive policies, these policies are intended to pay for funeral expenses, and will generally have lower premium rates, therefore making them more suitable for seniors. Pre-Paid Funeral Plans: Another thing that might come up from some funeral homes is that they provide bundles where people can pre-pay for the burial services which will help to solve a lot of financial issues for the family. Savings Accounts: It is useful to save money for funerals occasionally or to put money aside for the expenses of the funeral period. Some people maintain payable-on-death accounts for such purposes. Although there is no best free burial insurance for seniors, considering such opportunities is to maintain costs and ensure that the remainder does not impose significant expenses on the remaining family members. What is burial insurance? Final expense or burial insurance is another type of life insurance that is suitable for seniors. The insurance assists in paying for any funeral-related expenses to relieve financial and planning stress on the survivors. Insurance plans cost between $18 and $286 per month for the elderly depending on the senior’s age, gender, health status, and desired level of coverage. As is the case with ordinary life insurance, these funds can be used to pay for any other debts that the person left behind had when they died. How Much Does Burial Insurance for Seniors Cost? Depending on the insurance company, the policy type, and your health profile, the monthly premium could range between $18 to $286. Your rate will be cheaper if you’re in good health and can answer no to the health questions that appear on the application form. Some insurance companies may ask for a medical test when applying for the policy while others may not. If you have lost weight or have had some chronic illnesses or are on some medication, the insurance company may put you on a modified or even a sub-standard plan, and hence, your rates will be higher due to health problems. Funeral Insurance vs. Life Insurance – Funeral Insurance Purpose: Covers funeral and burial costs to ease the financial burden on your family. Coverage Amount: Smaller, usually $5,000 to $20,000, covering funeral expenses. Qualification: Easier, no medical exam required, ideal for seniors or those with health issues. Payout: Quick, often within days of death, helping with immediate expenses. – Life Insurance Purpose: Provides financial support for your beneficiaries, covering living costs, debts, education, etc. Coverage Amount: Larger, from tens of thousands to millions of dollars. Qualification: This can be harder, and often requires a medical exam. Payout: Takes longer, usually several weeks to months. In summary, funeral insurance is for covering immediate funeral expenses with quick payouts, while life insurance provides broader financial support for your family with higher coverage amounts and longer processing times. Finding Affordable Burial Insurance for Seniors Burial insurance coverage is available in many forms and seniors have a wide array of choices. When it comes to that assurance, it’s wise to compare quotes from at least two or three suppliers to get the best suited for your needs and pocket. You can also consult with an insurance agent who will look for the options on his initiative and present you with those he or she thinks are the most suitable for you. Planning for Funeral Insurance It is therefore advisable for every senior citizen to consider funeral insurance when planning for their funeral. Funerals are costly and will leave your family in a very expensive position if you don’t make adequate preparations, this is not something anyone should have to experience especially during the time of mourning a family member or friend. To help ease the burden for your family member, it’s important to consider funeral insurance as one of the planning things to do when other preparations for the end of life are being done: Creating or updating your will Updating or adding beneficiaries to your financial accounts Transferring ownership of property or assets, such as a home or vehicle Updating or creating guardianship and other legal records, such as power of attorney (POA), medical directives, and trust documents How can we help you
Cheapest Burial Insurance for Seniors: Find Secure Coverage
Cheapest Burial Insurance for Seniors: Find Secure Coverage Last Updated on: August 2nd, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Looking for the Cheapest Burial Insurance for Seniors? Are you concerned with how funeral costs may affect your family or loved ones in future? Burial insurance doesn’t have to be expensive to provide comfort knowing your loved one’s final arrangements won’t burden them. So, let’s discover how one can get the required coverage for seniors at the lowest price ? Get Free Quotes Customized Options Await Quotes Now How To Find The cheapest Burial Insurance For seniors When it comes to purchasing any particular item, people know that they should compare offers provided by different companies. The same applies when searching for cheapest burial insurance for seniors. Finally, if you are interested in a life insurance policy that has no waiting period and is cheaper than all the other ones, you will have to contact an agent. So, it is also worth mentioning that most final expense insurance companies if they offer their policies directly to the consumer through the Internet or through the mail have a rule that if you are buying life insurance through them you will not be insured for the first two years because you are going to buy guaranteed issue life insurance which always comes with this waiting period. Plans like Colonial Penn are a perfect example. In most cases, only professional agents can offer the lowest rates and options that allow the policy to pay out the whole amount of the death benefit right away. But do not talk to any random insurance agent. Here are the criteria you should look for when selecting an agency to work with: Independence: Whenever you are in the process of sourcing for an independent insurance agency that will handle your policy, ensure that it has direct access to at least ten insurance companies. It will identify affordable providers for you from different telecoms and connect you to the best one for a cheaper price. So it is recommended not to use “attached” insurance companies. Captive insurance companies restrict their agents from presenting policies of any other insurance company. State Farm is an example of a captive company. Independent State Farm agents can only offer you insurance from State Farm. So, always make sure that you select a broker who has an array of insurers to sample before selecting the best one for a client. Reputation: One should take time and search for some of their previous clients to confirm whether or not they were satisfied with the services offered to them. A bad image usually points to the fact that the insurance company has low-quality insurance products and equally poor customer relations. Expertise: Ensure that you find one that focuses on funeral insurance services for seniors. That way, you understand that you are dealing with a professional and not any untalented beginner in the sector. An honest independent agent is your surest bet for getting the best life insurance for seniors. What Expenses Can Burial Insurance For Seniors Cover? A cheapest burial insurance for seniors policy can cover all the expenses associated with your funeral plans, including: Funeral costs Tombstones and other kinds of memorial gravestones Medical bills Transportation expenses Other receivables or bills, other current assets How Does Burial Insurance For Seniors Work? Cheapest burial insurance for seniors is a sort of complete life insurance that does not require a health exam. It’s designed to cover final costs like burial, cremation, and funeral charges. The payout, known as a dying benefit, is going at once to your family and can be used for any fees they pick out, no longer just funeral expenses. The coverage gives permanent coverage with fixed charges, that means your costs won’t exchange through the years. The coverage quantities normally decrease, frequently below $50,000, but they could offer peace of mind by way of overlaying essential costs. One advantage of affordable burial insurance for seniors is that it’s less difficult to qualify for, even when you have fitness issues. This makes it an awesome choice for seniors who may not be eligible for conventional lifestyle insurance regulations. There are two types of policies that are common among seniors. – Simplified issue These plans are the least costly and can provide an instant death benefit because the face amount is paid out from the first day (no grace period). You are not required to do a medical exam; however, you have to answer health questions. Simplified issue policies are also referred to as ‘no exam funeral insurance. – Guaranteed issue Often called “guaranteed acceptance”, these plans have no health questions because you cannot be turned down. They cost more than the simplified issue policies, and there is always a two-year exclusion on non-accidental death. During the waiting period, if you die, then the insurance company will only return the premiums that you’ve paid plus some interest. What need to know when buying funeral expense insurance? You can get best free burial insurance for seniors, but there are a few important things to know: Consent Required: They must agree to the policy. You can’t get life insurance for someone without their knowledge and consent. If they don’t want to participate, consider saving money or a pre-paid burial plan. Health Questions: For immediate coverage, they’ll need to answer health questions. Before talking to an agent, gather their health information to find the best options. Initial Agent Contact: Your parents don’t need to be present for the first call with an agent. For example, at Burial Senior Insurance, we can provide quotes and explain the process. When ready to apply, we’ll arrange a time with everyone involved. This ensures that the process is clear and your loved ones are protected. Factors That Affect the Cost of Burial Insurance There are several aspects that explain why burial insurance is more expensive than other types of policies. While numerous
Prepaid Burial Insurance: Ease the Burden of Loved Ones
Prepaid Burial Insurance: Ease the Burden of Loved Ones Last Updated on: July 31, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote There are several options when it comes to paying for your end-of-life plans. Worried about your funeral cost? Do you need to learn about the most effective strategy in regards to funeral/burial costs? As we don’t want to burden our loved ones with end-of-life expenses. Here the prepaid burial insurance plan comes, it’s essential to consider your financial situation, long-term goals, and preferences. Keep reading and learn more about prepaid insurance and how to plan prepaid burial insurance. Get Free Quotes Customized Options Await Quotes Now What is prepaid burial insurance? A prepaid burial insurance is just what it sounds like – funeral expenses you pay in advance when you’re alive and healthy. It involves making arrangements for funerals while waiting for your turn or that of a family member to die. The most compelling reason some people prepay for a funeral is so that you won’t have to worry that someday your family will be dealing with both a heavy emotional and financial burden while grieving. You might also be very organized and see this as a way of staying on top of things. But how to plan a prepaid burial/ funeral? Essentially, if you’re working with a funeral home, you have one step: Contact the place where you’d like your future funeral to be, and ask if they offer preplanning or prepaying services. You probably don’t even have to call and ask. Chances are, the information will be on the website. Are Prepaid burial expenses Tax Deductible? Many people have this question; “Are Prepaid burial expenses Tax Deductible?” It is an important question. Most funeral costs are not tax deductible for individuals, but under the circumstances, where the estate pays for the burial costs, a different situation occurs. The IRS has stated that for instance if the estate pays for funeral costs such as using a prepaid burial insurance plan, the estate can then use these expenses as a tax deduction. It is important to especially approach a tax specialist for any input as to what may be tax-deductible. Prepaid burial insurance plans usually cover these items: Many people have this question; “Are Prepaid burial expenses Tax Deductible?” It is an important question. Most funeral costs are not tax deductible for individuals, but under the circumstances, where the estate pays for the burial costs, a different situation occurs. The IRS has stated that for instance if the estate pays for funeral costs such as using a prepaid burial insurance plan, the estate can then use these expenses as a tax deduction. It is important to especially approach a tax specialist for any input as to what may be tax-deductible. – Funeral director and funeral home staff services When it comes down to planning and the day of the funeral not only do the funeral directors and their team provide direction and support for the family but the funeral director and or their staff could be on stand-by 24/7. They ensure that everything is well coordinated including flowers, clergy, speakers, music, and meals, to procuring permits and copies of death certificates among other things. – Transportation service to the funeral home Transportation to the funeral home and facilities provided for the beloved. In the case of death, the funeral home will pick that person from home or a health facility and then proceed to take that person through the necessary processes that will include dressing or even cremation before burial. The leading funeral homes have set down strict custody measures that will reduce the chances of errors or confusion. – Casket or cremation container If choosing the traditional burial or having a traditional service before cremation, selecting a casket is a critical decision. Caskets are generally made from either wood or metal and can range in terms of quality and cost. This is a legal requirement and may be in the form of an all-wood casket or a lower-priced cardboard container. – A cremation service and a container Basic cremation involves placing ashes in a basic plastic cassette. You may also choose an elegant wooden casket, a biodegradable scattering tube, or a conventional urn for the cremated ashes. These containers differ in price and can be of wooden, brassy, metallic, or glass construction or from some other material. – Venue for funeral A place where the funeral or the reception is going to be held. Most funeral homes have attractive chapels and contemporary reception halls which are suitable for memorials. Some have large patios, well-suited for outdoor parties, and other houses that have yards, which could accommodate a tent. – Transportation to the cemetery Some services include a procession to the cemetery. In those cases a hearse might also be required and transportation for the family. – Burial vault When it comes to in-ground casket burial, many cemeteries will require that body to be enclosed in a burial vault or an outer burial container. The vault assists in making the cemetery appear as clean as possible after they have been stripped by storms and other disasters. Other expenses like flowers, stationery, decorations, souvenirs for the family, and tokens for friends may also be considered in items that may be pre-paid. How to Plan prepaid burial Insurance Process To set up a prepaid funeral for the future follow these easy steps. – Research available options in your area Go online and search for various funeral homes or insurance companies to identify the variety of prepaid burial insurance that they offer. These points concern location, reputation, and the number and variety of services a company offers. Do not rush into selecting the first plan that you come across. The cost of funeral arrangements varies depending on the funeral home; therefore, one should obtain quotes from different funeral homes. – Schedule a consultation Ideally, the next step would be to set a
Globe Life Burial Insurance Review | Is It Right for You?
Globe Life Burial Insurance Review | Is It Right for You? Last Updated on: July 25, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote If you’re looking for final expense insurance with limited health exams, Globe Life offers a variety of products that match this situation. Globe Life only offers coverage with no medical exam, so if you’re healthy, you’ll pay higher rates than you would at an insurer that takes your health into account when setting prices. Additionally, Globe Life Insurance receives far more complaints than competing life insurance companies, suggesting customers are less likely to be satisfied with the service they receive. Let’s have a complete globe life burial insurance Review. Get Free Quotes Customized Options Await Quotes Now Company Overview Globe Life was founded in 1951. Liberty National Life Insurance acquired Globe in 1980 and formed a holding company called Torchmark Corporation. In 2019, Torchmark officially rebranded to Globe Life Inc. and appeared on the NY stock exchange as “GL.” Globe has multiple subsidiaries: Globe Life Insurance Company of New York, United American Life Insurance Company, American Income Life, Family Heritage Life, United American, Liberty National Life, and Beazley Benefits. Their home office is in McKinney, Texas, but they are licensed in all 50 states. They overwhelmingly focus on individual life insurance policies but offer annuities and supplemental health insurance products. Globe life insurance has mixed Globe life burial insurance Review about their policies. Founding Year 1951 Official Website www.globelifeinsurance.com Headquarters 3700 S Stonebridge Dr, McKinney, TX 75070 Phone Number 800-742-6787 Globe Life Insurance Policies Globe Life’s principal products are No medical exam term life insurance and whole life insurance for children and adults. However, to enroll in any of the Globe life insurance policies, you won’t need to sit for any exam, however, you will need to answer some health questions excluding their accidental death policies. As for life insurance, Globe does not have a guaranteed life insurance policy for its clients. A few of the things that are prohibited in the application and policies of Globe Life are as follows; Adults with severe or chronic health conditions will be locked out from getting approval from Globe Life. According to globe life burial insurance Review Several customer complaints regarding pre-existing conditions like diabetes (and many others) have raised claims that Globe rejected their application. Globe Life uses several different underwriting companies: Globe Life and Accident Insurance Company Liberty National Life Insurance (Globe Life Liberty National Division) United American Insurance Company American Income Life Insurance Company Family Heritage Life Insurance Company of America Globe Life Insurance Company of New York National Income Life Insurance Company The offered insurance plans of Globe Life are of several types of life policies including term, whole, and final expense. It may take a few minutes to get a life insurance quote and it is obtained online or through a call to a local life insurance agent. – Term life insurance When it comes to term life insurance companies it is possible that you are interested in Globe Life. Globe Life’s term coverage allows you, for example, to buy a policy directly from the company’s website — although you can still deal with an agent — and without a physical examination. Well, there is certainly a downside to not having a medical exam: There is limited financial coverage offered in terms of coverage of up to $100,000; this is rather lower than most insurers who provide term life insurance. – Whole life insurance Globe Life provides whole life insurance, which is a form of permanent insurance, that pays a death benefit to your heirs in the event of your death provided that the policy premiums are paid continuously. Globe Life’s whole life insurance cannot be bought online; instead, you have to engage an agent or complete a form to get the coverage. However, there is a health questionnaire, but it does not require a medical exam on Globe Life’s whole life coverage. Globe Life also provides whole life insurance with benefits ranging from $10,000 to $50,000. – Final expense insurance Final expense is a whole life insurance product that provides funds to pay for burial or cremation, funeral services, and anything associated with the last days of the policyholder’s life. The final expense coverage offered by Globe Life can be bought online and there is no medical exam required. Preparing for final expenses may be a widely preferred life insurance product for individuals who have no dependents to support, but are still alive during the time of the policy since it tends to be more costly and has restrictive coverage limits, which are quite low. – Mortgage protection insurance Like most of the Globe Life policies, you might not need to submit a medical exam, but it does not mean that your application cannot be rejected. However, Globe Life’s Mortgage protection insurance is different as it is guaranteed. However, it must be understood that this product refers to an accidental death and dismemberment insurance policy, which implies that it only provides benefits when an incident occurs and not due to sickness or disease. – Children’s life insurance One of the most important considerations when assessing a life insurance policy based on the age of the policyholder; therefore it is beneficial to purchase coverage for your children when they are still young so that they can lock themselves into a lower rate for the future. Most of Globe Life’s policies are offered without medical examination and the coverage can be bought through the Internet. It has a death benefit that ranges from $500 to $ 30,000. Should You Buy Globe Life Insurance? If you require a term life insurance policy of a lesser amount ($20,000 or less), then Globe Life Insurance is a good company. They also provide some of the most competitive life insurance policies for children. Apart from those instances, many other life insurance companies include selling both term and whole life insurance
Burial Insurance for Seniors Over 80: Affordable Options
Burial Insurance for Seniors Over 80: Affordable Options Last Updated on: July 25, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote When you’re 80 and older, there are fewer senior life insurance options available than when you were younger, and you won’t be able to buy a large policy. The good news is that at this stage in your life, you don’t need as much coverage as you used to. Most adults in their 80s have paid off large debts like mortgages, have grown children who no longer depend on them, and don’t need a safety net to replace lost income. Plus, they usually have savings and assets covering the debt they leave behind. When you reach 80, it makes the most sense to buy a whole life policy, especially final expense insurance, to pay for your funeral, burial, and other costs. There are also a few different burial insurance for seniors over 80 policy types you may want to consider along with final expense insurance, especially if you have debt from medical bills or want to leave an inheritance to any of your loved ones. Get Free Quotes Customized Options Await Quotes Now Final Expense or burial insurance for seniors over 80 All that most seniors in their 80s searching for life insurance require is cash for burial and other expenses like hospital bills. They do not need whole or term policies for tens or hundreds of thousands of dollars, particularly because the cost of these plans is prohibitively expensive for individuals in their 80s. In many cases, they are not even offered to adults of this age group. Final expense insurance, the other term used as burial insurance for seniors over 80, is one of the best senior life insurance policies at this age. In addition to low rates, there are many other pros to getting burial insurance over other policies when you’re in your 80s: In addition to low rates, there are many other pros to getting burial insurance over other policies when you’re in your 80s: Even if it has a ‘validity period’, your plan is valid as long as you pay your premiums. Your payments remain constant as long as you make the payment. There are options where you can borrow money on contractual terms with the policy’s cash value. In most cases, you are only required to complete basic health questions on the application rather than undertake a medical examination. The requirements are easy to meet, and the completion of the application takes only a few days to get approved. What burial insurance for seniors over 80? All the life insurance companies have final expense insurance policies for seniors who are over 80 years of age. If you are 80 years old with your days precisely at 80 then you can take term life insurance with some companies but you need to pass a medical test. However, if you are over 80, you will be given a chance to apply for a universal life insurance policy but this will require you to undergo a medical examination. Final expense insurance: Term life policy is for a small death benefit often not exceeding $ 50,000 and it covers people with medical conditions, no medical examination is needed. The payout money is intended mainly for burial expenses, but your family members can use it to pay for medical expenses or credit card bills. Guaranteed acceptance: A guaranteed-issue life insurance policy does not need you to even take any physical examination or answer any questions on your health status. They provide you with a guarantee of approval, which is the reason they are called ‘payday’ loans. Since there is no underwriting involved, such policies always come with a two-year waiting period and are generally the most expensive. The coverage options usually start from $2K up to $25K. Traditional whole life insurance: Whole life benefits are fixed, with large minimum and maximum benefit amounts compared to other insurance plans. Typically, you’ll have to invest in a minimum of $50,000 worth of coverage, and it will come with a medical exam if you are 81 years old or older even if you’re obtaining a small amount of coverage. Whole-life policies accumulate cash value and provide lifetime benefits that are guaranteed not to go down. Plus, the price remains the same forever. Term life insurance: Temporary life insurance that has a specific period of validity and will be taken out of force after the stipulated time. Once the policy is over the insurer takes your money and you have no cover. Yes, if one is 80 years old and if he can claim for term insurance, at most it can take up to ten years max. In case you purchase a 10-year term policy at age 80, it will end when you attain the age of 90, without insurance coverage. The only reason that one would consider purchasing a term life insurance policy at this age is if there is a temporary obligation that needs to be met, such as financial obligations. When you get to 81 years, you cannot apply for a term policy anymore. Universal life insurance: A type of permanent life insurance policy where the cash value earns interest based on various investment classes chosen by the insurer. If the investments underperform, your premiums may rise, or the policy may lapse. These plans also offer payment and cash value flexibility. However, if you pay too little or withdraw too much cash value, your premiums may greatly rise, or the policy may prematurely terminate. Is it harder to get burial insurance for seniors over 80? People above 80 years of age commonly have limited prospects when it comes to life insurance, besides paying more than the younger generation. But, the good news is that you can still go for optimal, cheap insurance. This is one of the criteria used to determine who qualifies for burial insurance for seniors over 80. If
Mutual of Omaha Burial Insurance Reviews: Pros & Cons
Mutual of Omaha Burial Insurance Reviews: Pros & Cons Last Updated on: July 19, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote It is always important to plan for the end of life expenses and this is one of the events that most people do not really like to discuss. Burials and funerals themselves are often quite expensive and may cost a few thousand dollars. Burial insurance is one way of preparing for these events. However, most people have no idea where they can find the best burial insurance policy that fits their needs. Are you thinking about getting burial insurance and wondering if Mutual of Omaha is the right choice for you? Let’s explore the mutual of omaha burial insurance reviews to help you make an informed decision. Get Free Quotes Customized Options Await Quotes Now How Does Mutual Of Omaha Final Expense Insurance Work? Mutual of Omaha’s final expense insurance is a whole life insurance policy with coverage that ranges from $2000 up to $50,000. It provides a tax-free cash payment to your beneficiaries or the funeral home, bills, creditors, or any other expenses you might have during the final moments of your life. Furthermore, your beneficiaries will also be entitled to the remaining money after all the costs are incurred. In mutual of omaha burial insurance reviews there are three plans you can qualify for depending on your health and how you apply: Full financial advantage (without playing the waiting game). Graded benefit with 2 year waiting period Guaranteed slots (with a waiting period of 2 years) The following are the general features of all plans: No medical examination is required. In whole life insurance, there is a guarantee that the policy will be valid for an entire life, the premium for the policy will not change and the amount of coverage being offered will not be reduced. It also accumulates cash value from which the policy owner can make a withdrawal at any given time. The first-day coverage option United of Omaha’s final expense policy for seniors committing to cover all natural or accidental death from the first day is named “Living Promise. ” When it comes to health ratings, Mutual of Omaha Living Promise has two; the level death benefit and the graded death benefit. The level benefit has no waiting period since you are instantly covered for natural or accidental death on the day the first premium is paid. To be able to take part in the level plan you must be able to answer no to all the following health questions and be within the following height/weight ratios. You cannot directly purchase this policy at Mutual of Omaha Life Insurance Company. It is only available through contracted Mutual of Omaha agents such as the company called Burial Senior Insurance. The graded plan The graded plan is modified whole life insurance coverage, therefore, if you die during the first two years (other than from an accident), you will get 110% of the premium amount refunded by Mutual of Omaha. It is also more expensive than the level benefit option. If you have any of these health conditions, you will be offered the graded plan. The Level Benefit Plan The level benefit is the lowest cost plan, age of 45 to 85 and there’s no waiting period. That means you’d be 100% insured for natural or accidental death the day you make your first payment. You have the option to add an accidental death rider (which costs a few dollars more) that would cause Mutual of Omaha to pay out 200% of the death benefit if you die from an accident. You can get a dying benefit from $2,000 to $forty,000. You’re included from the first day. It’s one of the maximum low-priced options accessible. Why Consider It? Immediate Coverage: Coverage starts on day one. Affordable: One of the cheapest plans available. High Coverage: Up to $40,000 in death benefits. Ideal For Ages 80-85: Great mutual of omaha burial insurance rates for this age group. Health Questions: If you can answer a few health questions, you might qualify. Need Immediate Coverage? Check mutual of omaha burial insurance reviews this plan has you covered right away. Looking for Low Costs? This is one of the most affordable plans. Can Answer Health Questions? If yes, consider this plan. Think about the Level Benefit Plan from Mutual of Omaha if you want an affordable, immediate one. Guaranteed acceptance The guaranteed acceptance option does not have health questions, and can’t be turned down for any pre-existing conditions. But, just like any other guaranteed issue life insurance policy, there is a waiting period of two years. The offer that you get in the mail or directly from the Mutual of Omaha Website is the guaranteed acceptance policy offer. Pros and Cons of mutual of omaha burial insurance reviews – Pros Affordable Prices: Rates are much lower than most other companies, making it budget-friendly. High Coverage Amounts: Offers coverage up to $50K, providing ample protection for final expenses. No Waiting Period Coverage: Available, allowing immediate benefits for those who qualify. Lenient Underwriting: Accepts many health issues, making it accessible for those with pre-existing conditions. Diabetic-Friendly: Coverage includes insulin usage. Age Flexibility: New applicants up to age 85 can apply. Guaranteed Acceptance: No health questions for certain policies, ensuring coverage for everyone. Accidental Death Rider: Option available for added protection. Fast Underwriting: Approvals typically within 24 hours, providing quick coverage. Financial Strength: A+ rating from A.M. Best, indicating strong financial stability. Online Policy Management: Access to view and manage your policy online. Policy Delivery: Both physical and digital (PDF) copies are mailed out. Beneficiary Management: Change beneficiaries or payment information via verbal authorization, simplifying the process. Unlimited Beneficiaries: Can designate unlimited primary and contingent beneficiaries. – Cons No Waiting Period Coverage in New York: Immediate coverage is not available in this state. Two-Year Waiting Period: This applies to certain health issues, delaying full benefits.
How to Buy Burial Insurance for Parents | Complete Guide
How to Buy Burial Insurance for Parents | Complete Guide Last Updated on: July 11, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote All parents try to do their best to look after their children for as long as they live. If your parents are aging, then everyone must be ready to face the cost that comes with their last years of life, including burial fees. Are you considering burial insurance to ensure your parents’ final expenses are covered? Funerals in general cost an average of $10,000 and the things that have comprised this cost are burial or cremation expenses. If your parents have unpaid hospital bills, those can be another burden that is placed on you during what is already a very difficult time. It is an expense that no parent would wish their children to pay. Burial and funeral costs fall under this category; final expense insurance or funeral insurance helps to cover such expenses at a reasonable price. Here’s what you should understand while how to buy burial insurance for parents and some tips on how to discuss this issue with your parents. Get Free Quotes Customized Options Await Quotes Now Can I buy burial insurance for my parents? Not surprisingly, most of us have not talked about the cost of a funeral. But it is possible to prepare now and if the families do not prepare now, they may face serious financial challenges later. The first one is to ask your parents what their personal preferences are; Some experts recommend following the 40/70 rule: Discuss funeral preferences and other important issues and aging-related issues when you are forty and they are seventy. What kind of funeral do they want? Do they want to be buried or cremated? What types of insurance for parents would they require? This could be scary to do – but I’m pretty sure everyone will feel better about what’s going to be said next. Ideally, it becomes wise to try and plan for funeral insurance in such a manner that the amount is enough to cater for the funeral expense at its highest expense possible, alongside other day-to-day expenses which may include bills on medical expenses. If you’re considering buying burial insurance for parents, there are a few steps that you’ll need to take: Your parents agree to the policy being issued. You will require their social security number as well as other details. If you discuss it with parents in advance, then it is far easier to get things right when it is time to purchase the policy. Is burial insurance worth buying? The purchase of burial insurance is fast and inexpensive, which makes it suitable for most families to make their last arrangements. Less coverage translates to lower premium rates and with plans that are between $5, 000 and $40,000, you are sure to get the right plan for your family. Through this option on how to buy burial insurance for parents, your parents can usually be approved up to the age of 85 years. Firstly, there is no medical check and people can generally get approved quickly within hours. Can you buy burial insurance for parents In the complete process of how to buy burial insurance for parents? Ideally, you should be the owner, the payor, and the beneficiary (unless someone else is to be). This way nobody else can enquire about the policy or change the policy without your consent. Furthermore, if you own the policy, the benefits, which accumulate as cash value, will not affect their Medicaid rights. With a life insurance policy, there are generally four parties: Insured: Your parents Owner: The one who is in charge of the policy and any cash value that may be present. Beneficiaries: Who receives the amount in cases when the insured has died Payor: The person who pays for the premiums. This kind of ownership can be created at the time of application or it may be transferred after the issuance of the policy. One should be very careful when processing funeral insurance online because online processing forms are not intended for filing by anyone other than the applicant. When you fill out the online forms from companies like the AAA or Colonial Penn, the insured or your parent automatically becomes the owner. Regarding these policies, the insurance companies would only respond to inquiries or changes (even if you want to cancel the policy) from your parents, and only the parent has the authority to make those changes. How To Find The Best Burial Policy For Parents Whether you want life insurance for parents or a grandparent, it’s vitally important to compare various policies side by side to find the best burial insurance plan. That’s because each company’s policies vary significantly in price, underwriting, and waiting periods. How to buy burial insurance for parents? The best thing you can do is work with an independent agency like Burial Senior Insurance. Independent agencies represent multiple insurance providers rather than just one. An agency’s job is to analyze each company to find the best life insurance option without favoring one provider or another. In contrast, captive insurance companies do not allow their insurance agents to represent other providers. For example, State Farm is a captive life insurance company. Their agents can only offer State Farm. If you don’t like State Farm’s offer, the agent cannot recommend another insurer that might give you a better deal. Remember, when you buy through a broker like Burial Senior Insurance, there is never a cost, fee, or upcharge to the insurance. An independent agency will answer all your questions and find you the best, least expensive policy possible. Steps to how to buy burial insurance for parents? 5 simple steps to purchasing burial insurance. – How much coverage do you want? Most carriers allow up to $25,000 for purchase. Depending on your parent’s health, some carriers allow more. – Find out more about your parent’s health history.
