Open Care Senior Insurance Plan: Everything You Need to Know
Open Care Senior Insurance Plan: Everything You Need to Know Last Updated on: December 6th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Open Care Senior Expense Insurance is one of the most popular options for seniors when covering end-of-life expenses. It is specifically a type of life insurance known to cover funeral, burial, or cremation services so that the needy do not bear the costs of your passing. Here’s everything you need to know about Open Care Senior Expense Insurance: its costs, benefits, and a few drawbacks. Get A Free Quote Get Free Quotes Customized Options Await Quotes Now What Is Open Care Senior Expense Insurance? Final Expense Open Care Insurance is specially designed to pay final expenses and provide for your funeral. That will decrease many of the financially staggering burdens left to your family, as they won’t be burdened with paying your funeral costs, medical bills, or other end expenses at such a hard time in your grieving period. – Key Features of Open Care Senior Expense Insurance Open Care Senior Expense Insurance provides several valuable benefits that place it as one of the most popular among seniors and families. No Medical Exam Necessary This is probably why one finds Open Care Senior Expense Insurance rather appealing-that does not require any medical exam. This would be the perfect solution for a senior person or an elderly individual with some health-related issues who would face challenges to qualify for conventional life insurance policies. With this policy, premium amounts are usually fixed; that is, they remain the same throughout the life of your policy. This helps stabilize finances and prevent the family from having to deal with surcharges at a later date due to unwarranted premium increases. Flexible Coverage Amount Coverage is from $2,000 to $50,000 for you to choose the appropriate amount of protection according to your needs. Whichever it is, be it a modest service or an elaborate funeral, Open Care Senior Expense Insurance works for you according to your requirements. Why Choose Open Care Senior Expense Insurance? Peace of Mind for Your Family The ultimate mission of Open Care Senior Expense Insurance is to help lighten the load on your family financially. The assured coverage of final expenses such as funerals, gives your loved ones peace of mind during some challenging and emotional moments of life. Guaranteed Coverage Open Care Senior Expense Insurance is guaranteed acceptance coverage, so you are all but assured that you will qualify for coverage regardless of your health. This is important to seniors who might have some health issues and can’t be approved for other types of life insurance. Ideal Candidates for Open Care Senior Expense Insurance This policy is great for seniors who want to pay off funeral costs, grave expenses, and other final expenses without leaving their families in dire financial situations. If you seek an uncomplicated, reasonably priced life insurance that is easy to qualify for, Open Care Senior Expense Insurance might just be what you need. – How Does Open Care Senior Expense Life Insurance Work? Designed with an easy-to-understand and accessible structure, Open Care Senior Expense Life Insurance can cover burial and final costs. The application process is simple and stress-free, which especially comes in handy for seniors or those with pre-existing health conditions, who may find it difficult to pass traditional life insurance policies. – Application Process No Medical Exam Needed One of the features Open Care Senior Expense Insurance boasts is that there is no need for a medical examination. That makes the process easier to apply and eliminates possible hurdles for people with health issues or those who are uncooperative towards traditional medical examinations. No Complicated Health Questions Rather than answering a long list of health questions, applicants need only fill out basic personal information. This is easy and fast and makes the process smooth for elderly people who may be applying for coverage. Fast Approval Process Open Care Senior Expense Insurance is generally approved quickly. The no-medical-exam policy and low administrative requirements for approval enable a decision as to coverage to be made in a minimum amount of time. – Types of Coverage Offered by Open Care Senior Expense Insurance There are two main forms of coverage options available under Open Care’s final expense insurance: both are suited for different needs and health situations, respectively. Guaranteed Issue Life Insurance Eligibility: This plan is also open to aged persons in the bracket of 50-85 years old. No Health Questions: Based on the name, there’s no health question included, so basically anyone in this age group can qualify. Waiting Period: The policy ensures that the accepted amount will be paid as a death benefit; however, this can take anywhere from 2 years. If a death occurs before the end of the waiting period, the beneficiaries are returned the premiums paid with interest. Best for Seniors with Health Concerns: This plan is suitable for people who may fail a medical checkup yet still want to provide insurance for their families in case of final expenses. Simplified Issue Life Insurance Health Questions Mandatory: This program requires a few basic health questions. If the person being solicited is in good health, there might be instant coverage. Immediate Coverage: For those who are healthy enough to pass the basic health questions, this plan gives fast access to a death benefit that does not involve waiting periods typically associated with the guaranteed issue plan. Better for Healthier Individuals: This plan is more favorable if you are generally a healthy individual since it covers you right away. – Choosing the Right Coverage While both types of coverage make sure your final expenses are covered, the plan best for you is based on your health and age. The guaranteed issue plan provides peace of mind to those who may have difficulty qualifying for other forms of life insurance, while the simplified issue plan gives a more immediate solution for those with better health. Be it plan A
How Much Does Cremation Cost in West Virginia
How Much Does Cremation Cost in West Virginia Last Updated on: December 5th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Nobody is easy to lose; for example, organizing the final proceedings following the loss of your loved one could be challenging and overbearing. Among the most important decisions is how to manage the funeral and cremation process. For families in West Virginia, cremation has become very popular since it is deemed inexpensive and easy to carry out. The costs of cremation as well as the range of services that are offered make this hard time a bit lighter. Get A Free Quote Get Free Quotes Customized Options Await Quotes Now What is Cremation? The process of cremation is burning a dead person’s body at very high temperatures until the body becomes ashes. Though the tradition is still entombment, there is an increasing need for cremation as a way of saving money and satisfying the family. Within the past few years, cremation has been on the rise. This has been the case in West Virginia, where many families require affordable ways to finalize their deceased loved ones. Under these several options lies the solution necessary in choosing the most suitable path your loved one deserves for final arrangements. There are several types of cremation services; from basic cremation to elaborate funeral and memorial services. – The Cost of Cremation in West Virginia The cost of cremation in West Virginia varies depending on several factors. On average, cremations can range from $2,000 to $8,000 or more, depending on the services and items being chosen. This wide range reflects a variety of choices available: simple, direct cremation at the low end, to more elaborate services that include a memorial or funeral ceremony. Here, we break down the average cost of cremation in West Virginia. We explain how the structure for basic and full-service cremation pricing goes, as well as the ways you can cut down on expenses without compromising the quality of services. Cost Breakdown: Full-Service Cremation vs. Direct Cremation – Full-Service Cremation: A Comprehensive Funeral Experience Full-service cremation is an all-inclusive type of funeral service, with a traditional approach to paying tribute to the deceased. That includes not only the cremation itself but also other formal ceremony options, all of which would allow for family and friends to come together in respect and a celebration of life. More involvement and personalization are offered with full-service cremation- there can be a wide selection of services, especially if desired. Key Services Included in Full-Service Cremation – Funeral Services: A funeral service thus usually takes the shape of a formal ceremony performed in a funeral home, in a chapel, or in a place of worship. It is characterized, among other rituals, by eulogies, prayers, music, and readings so that the life of the deceased is treated with dignity. Funeral services can be done following the family’s preferences, whether religious spiritual, or secular so that it portrays something that reflects the individual’s life and values. – Memorial Services: Memorial services may occur in advance of, concurrent with, or even after the cremation and involve the gathering of friends and family in some sort of remembrance. These services can include personal tributes, sharing of memories, and sometimes even slideshow presentations or videos. Memorial services allow one to reflect and heal within a forum setting from home, church, or memorial venue. – Viewings: A viewing, or visitation, often takes place before the funeral ceremony; it is an opportunity for those mourning to pay their respects in person. Families may elect an open casket and let loved ones see the deceased one last time before he or she is buried. The intimate time for reflection and personal experience that the viewing offers means it can be an essential stage of the grieving process for many. – Embalming and Body Preparation: Embalming is a body preservation process to prevent the remains from decaying and make them viewable again for the service. Not always necessary, some cases do require embalming when one is planning a viewing or open-casket service. In addition, embalming offers the freedom to delay the service from the time of death. – Casket or Urn Selection: In a full-service cremation, the selection of a casket or urn is one of the very personal choices. Families have a wide variety of options based on taste, cultural considerations, and budget. For full-service cremation, a simple cremation container is often sufficient, but if a viewing is contemplated, a more traditional casket can also be chosen. Following cremation, a suitable urn is selected in which the ashes are placed, with many different styles, materials, and designs available. Costs of Full-Service Cremation in West Virginia The average cost of a full-service cremation in West Virginia will be around $6,000 to $8,000. This would be when the services utilized for cremation include transportation of the body, the actual cremation, and professional management of the remains. However, depending on which additional services or products are chosen, the final cost could significantly add up. These options may consist of: Upgraded Urns: Most families opt for ornamental or customized urns, which can greatly increase the overall cost. Flowers: Floral arrangements, including funeral sprays, wreaths, and personal bouquets, can cost a pretty penny. Transportation Fees: If the deceased has to be moved over long distances, either within the state or out of state, these fees can also increase the total cost. Specialized Services: These may include counseling in the process of grief, memorial websites, or customized funeral programs for families. Since there are many options, full-service cremation means flexibility and personalization but, at a much higher price compared to simpler cremation alternatives like direct cremation. Why Choose Full-Service Cremation? Full-service cremation will best suit families seeking a full experience when paying tribute to the deceased. A full service enables a customary funeral service, the opportunity to examine the deceased’s corpse and say farewell to them, all within a planned ceremony. Of course, direct
How Much Does a Funeral Cost in Washington: 2025 Update
How Much Does a Funeral Cost in Washington: 2023 Update Last Updated on: November 25, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Funeral expenses in Washington have increased over the years, costing as much as $9,000. There are, however ways to minimize these costs. Alternatives for burial such as cremation would be helpful. Discussion on burial, cremation, and planning options will help families answer, in preparation, How Much Does a Funeral Cost in Washington? Get A Free Quote Get Free Quotes Customized Options Await Quotes Now Funeral Costs in Washington: An In-Depth Overview Indeed, planning a funeral is a process that has to be done on an individualistic scale. Knowing the costs will help families during trying times to make informed decisions. The average funeral in the state of Washington for all essentials stands at ranges of between $6,000 to $9,000. The final expense amount varies based on the services chosen, the location, and the funeral home. In general, these costs cut across the main services: Viewing: The visitation or wake, in which family and friends pay their respects. Burial: This includes the gravesite, preparation, and interment. Transportation: Moving the deceased from the place of passing to the funeral home and ultimately to the cemetery. Embalming: The preparation of the body for viewing. In general, this will be needed for open-casket services. Casket: An important cost, with prices that can vary widely depending on materials and design. Its funeral home service fees are charges for organizing the ceremony, staffing and coordinating with other service providers. Although those are the core parts of an obsequy, other expenses such as plots in cemeteries, headstones, flowers, obituary notices, and catered meals for the reception would be paid for separately. It can run into hefty amounts before long, so that is the reason why budgeting must be taken seriously. Average Funeral Costs by County in Washington The charges for funerals, as expected, vary widely across counties in Washington state because of local economies, competition among funeral establishments, and custom practices in different regions. Some averages in various counties across the state include: County Average Funeral Cost Benton County $7,219 King County $5,993 Pierce County $6,730 Snohomish County $6,333 Spokane County $6,742 Yakima County $7,481 These figures give a snapshot of how much families can expect to pay in different areas. For example, the average cost in Yakima County is higher than in King County, whereas the latter is counted as an urban county with more funeral homes to choose from. – Factors That Influence Funeral Costs When, for example, in the calculation of how much does a funeral cost in Washington, the following factors should be considered to affect the price: Location: There are more choices available in urban locations like Seattle or Tacoma, but the cost is higher because demand is higher and operational costs run higher. In rural areas, there are fewer choices, but these may be less expensive. Type of Services: A full-service funeral with a viewing, burial, and traditional ceremony will cost more than options like direct cremation or a simple memorial service. Comparison of Funeral Home Options To decide on a good funeral home, families must prepare to face the challenges of paying for services and merchandise because the funeral home itself establishes every other home’s prices. Personal Choices: The cost depends on the choices made regarding the casket, grave marker, flowers, and many more things. – Reducing Funeral Costs Knowing how much a funeral costs in Washington is just half the process. Families can do several things to keep control over expenses without sacrificing dignity for the service: Consider Cremation: Simple cremation, that avoids embalming and viewing, is often the lowest, and one might pay less than $2,000. Shop Around: Funeral homes are required by law to make a GPL available upon request. Comparing these lists can reveal huge cost differences. Pre-planning is when one prepares and pays for their funeral in advance, so families need not lock into today’s prices but can save their families from bearing those expenses. Explore your payment options: Such life insurance, burial insurance, or prepaid funeral plans can help pay for expenses and ease the financial burden of this difficult time. Funeral Cost Breakdown in Washington This is where understanding the breakdown of funeral costs becomes crucial for those organizing a rightful farewell with their means in check. The following are the average costs of common services related to funeral services in Washington: Service Average Cost Basic Services $1,541 Viewing and Visitation $257 Embalming $642 Graveside Service $247 Direct Cremation $1,366 Direct Burial $916 – Direct Cremation and Low-Cost Funeral Options In the state of Washington, many direct cremation services take place; it is a very reasonably priced service, something like $1,000 to $3,000. In this service, removal, transportation to the crematory, and basic cremation services are included. This service can’t be likened to a traditional funeral setting since the service doesn’t require embalming, viewing, or any elaborate ceremonies. Factors Influencing Funeral Costs in Washington Multiple factors determine funeral expenses in Washington. Some of these factors include: Type of Service: Traditional burials tend to be relatively expensive compared to cremations because they often involve more services and lots of material. Choosing a Casket or Urn: Again, options for caskets and urns for cremation are extremely wide in the price range. Materials, designs, and craftsmanship can bring prices from $500 and up to more than $10,000. Funeral Home Fees: Select a Washington funeral home that is transparent with regard to its pricing. Packages vary greatly, and comparing prices helps avoid unexpected charges families may incur. Additional Services: Other optional services will include floral arrangements, obituary notices, catering, and memorial videos that may double the price tag of a funeral. – Planning Ahead Knowing the elements and considering low-cost options, such as direct cremation, will make it easier for Washington families to make an informed decision. Planning and comparison of funeral service providers ensure that families can pay their
Affordable Burial Insurance with no Waiting Period
Affordable Burial Insurance with no Waiting Period Last Updated on: November 20, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Affordable Burial Insurance with No Waiting Period Here’s a way to plan for your final expenses so you will not have to worry at all and feel anxious about the high funeral and burial service cost that might leave the remaining family members burdened. Cheapest Burial Insurance with No Waiting Period: there are different options if you want to gain the cheapest burial insurance with no waiting period, or perhaps you just need coverage straight away, as some come with immediate cover. Get Free Quotes Customized Options Await Quotes Now What is Burial Insurance? Final expense insurance or burial expense insurance is another term to which burial insurance refers. It provides funds to pay for funeral and burial services. It is life insurance, not medical life insurance; hence, often people would not need a medical checkup to become insured, which becomes easy in cases of seniors and serious health conditions. Burial insurance for seniors is especially ideal because its premiums are very affordable, and people start getting coverage right away. That is practically the best solution for those not want to leave their loved ones with costly funeral expenses. Burial insurance is somewhat unique because of the specific type of coverage it offers, about final expenses-whether that be the cost of the funeral or the final arrangement being a burial or cremation. When paid out, the death benefit is directly payable to the insured’s beneficiary, and so can be used towards covering last end-life costs or funeral costs. How Does Burial Insurance Work? Well, how burial insurance works in the first place is pretty simple. After getting coverage through the application, you pay premiums monthly, and when you die, your death benefit will be paid to your beneficiary. Of course, the most interesting difference between these two kinds of insurance is that they are burial insurance as opposed to life insurance. Burial insurance has a purpose- it is designed for the times that you’d need a funeral-related expense, and your coverage usually begins immediately after approval. No waiting period burial insurance is perfect for those who need immediate coverage. Most standard life insurance policies have a waiting period of 2-3 years during which, in case of death, nothing shall be paid except by an accident. No waiting period burial insurance secures immediate coverage for final expenses. Here’s how burial insurance with no waiting period works: Application Process There are two basic types of burial life insurance: Simplified issue and guaranteed issue. Simplified-issue burial life insurance will usually require a few health questions and no medical exam, whereas guaranteed-issue burial life insurance will usually have no health questions or at least, few of them and carries a waiting period. Premiums: Premiums are usually calculated based on age, health, and the sum covered. For funeral insurance for seniors, the amounts are a little higher but affordable. Benefit of Death: The death benefit will be paid upon the grant of credit so that the funeral bill will not be paid by your loved ones. Pros & Cons of Burial Insurance Policies As with any type of insurance, there are both advantages and disadvantages to purchasing burial insurance. – Pros: Immediate Coverage This is the biggest plus of a no-waiting period burial insurance: It begins immediately upon its approval. Hence, when it starts to pay out when your family needs it, there would be no waiting time. Easy Qualification Even when suffering from some health conditions like diabetes or hypertension, you qualify to buy burial insurance with no waiting period. Some of the policies are easier in qualification requirements than the traditional life insurance would be, such as the simplified issue burial insurance. Guaranteed Acceptance: Many burial insurance policies offer guaranteed acceptance with no questions asked relating to health. This is really apt for people who happen to have an existing condition or even older people who cannot qualify for other forms of insurance. – Cons: Less Coverage: Burial insurance typically would offer much less coverage compared to other life insurance. If you need life insurance for funeral costs but also other expenses, then traditional life insurance would be ideal for you. Guaranteed issue policies have waiting periods: While most other burial life policies benefit immediately, the waiting period of guaranteed issue policies is such that the death benefit will not be ready. Burial Insurance vs. Life Insurance A lot of people confuse burial insurance with life insurance because at face value, both are pretty much types of insurance that deliver the death benefit, which is really misleading since they come with different purposes as well as differences in coverage amounts, corresponding premiums, and also the expenses they’re supposed to cover. – Burial Insurance Also referred to as final expense insurance or funeral insurance, burial insurance helps pay for the costs of funerals, burial expenses, and other last expenses. Most of these insurance policies, like the one quoted above, fall in the range of coverage from $5,000 to $25,000, although the size of the policy is typically much smaller. That is why burial insurance is quite brilliant for the elderly or someone who just would like to know that his or her loved ones will not be saddled with funeral expenses. Key features of burial insurance Lesser death benefit: Usually in the range of $5,000 to $25,000. No waiting period: Most burial insurance plan offers coverage immediately, and your death benefit can be accessed by the beneficiaries once you die. So, the longer time will have no impact on them because there is no waiting period. Very limited coverages: Only for the very minimal costs of death, which will be only the funeral service costs, the expenses of burial, cremation, and those related costs. This makes burial insurance perfect for those who need a low amount of coverage but will still want the surety of knowing that their funeral costs
Burial Insurance With Pre Existing Conditions
Burial Insurance With Pre Existing Conditions Last Updated on: November 20, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Burial insurance with pre-existing conditions, for most people, might sound like the last thing one needs to get life insurance. However, it may be the best final expense alternative. Burial insurance also commonly known as final expense insurance is created for people who cannot qualify for standard policies due to old age or some pre-existing health issues. These insurances pay the expenses of a funeral and burial so that if another family member dies, he or she is not shocked to discover the costs of something that he or she never anticipated. Get Free Quotes Customized Options Await Quotes Now Understanding Pre-Existing Conditions A pre-existing condition is a medical condition you have at the time you enter an insurance program. Examples include diabetes, heart disease, cancer, and liver disease. Pre-existing conditions can be required in determining if you are qualified to purchase or continue to have a traditional life insurance plan, and what your premiums will be. Burial insurance companies, however, are more open-ended since most people want such policies because they always have some kind of health issues. What Is Burial Insurance, and How Does It Work? Burial insurance is typically a whole-life policy, albeit one that only lasts as long as the person is insured-that is, as long as the premiums are paid. It’s marketed mainly to older adults, requires no medical exam, and only a few questions about health status in some cases. The amounts available for coverage are limited, often $2,000 to $40,000, which may be peanuts for financing final expenses and thus the expense of a funeral. Since burial insurance is whole-life coverage, the cover does not expire and the premium rates are consistent throughout life. A tax-free amount is paid to the beneficiaries in a lump sum that is given to them with no restraint from the insurance company on how it is to be used for funeral expenses, unpaid medical bills, or other financial obligations to be fulfilled following a loss. Key Features of Burial Insurance To help clarify what burial insurance entails, let’s look at some of its main characteristics: Lifetime Guaranteed Coverage: The policy pays lifetime coverage if premiums are paid. Fixed Premiums: The premiums are level and hence do not increase with age or changes in health. Modest coverage amounts: The policies range from $2,000 to $40,000 coverage, which may just be enough to cover the funeral and burial charges. Advanced Underwriting: They may ask a few basic health questions, but normally, there are no medical tests. Who Can Benefit From Burial Insurance? Such insurance is most targeted at elderly persons, especially those with health concerns that would see them disqualified from traditional life insurance. It also offers assistance to people who would want something simple, little, and less burdening, covering the minimum end needs without extensive medical scrutiny. This will be insurance that helps a person and his family know help will be there when they need it to pay for funeral and burial costs. How Insurers Evaluate Pre-Existing Conditions Two types of life insurance, which are traditional and burial. Traditional tends to be quite strict, where they would ask for a medical exam plus detailed information from the health questionnaire of the policyholder. Burial insurance is not that tight, however, on this regard. For them, the underwriting process would be simplified, with just a few questions, usually on a short questionnaire. Let’s first look at two of the major types of burial insurance policies and their approaches to underwriting. – Simplified Issue Policies Simplified issue burial life insurance plans involve answering a short series of health questions. Once you qualify, there is no waiting period, and the coverage comes into force immediately after the first premium payment. So, this type of plan is very often available if you have mild pre-existing conditions, such as controlled diabetes or high blood pressure. In such plans, the insurance company has some information about you related to health and so has somewhat less risk. This makes the policy cost-effective. – Guaranteed Acceptance Policies Guaranteed acceptance policies do not require any health questions or medical examination. Approval is guaranteed; however, a waiting period usually exists. This two-year period means that if the insured dies of natural causes within the first two years, only a portion of the death benefit is paid out unless the death is accidental. Because insurers lack health information for these applicants, these policies come at a higher premium. This option usually suits people with grave medical conditions who are very likely to be disqualified from other related covers. Examples of High-Risk Pre-Existing Conditions There are also certain health conditions that insurance companies might classify as “high-risk” in the context of burial insurance, therefore further limiting your chances or putting in additional risk when other factors are used to determine eligibility. Premiums for such insurance products also go up in the case of high-risk conditions. Many people with health challenges, however, find coverage with designed policies. These are some additional more common high-risk pre-existing conditions and how they could impact your burial insurance options. – Cancer: Applicants who have survived cancer tend to be considered high-risk. On the other hand, though, certain burial insurance programs do offer coverage to people who have recently had cancer treatments. In some cases, insurers can even offer a return of premium benefit which means, that if you go cancer-free for some specified duration, you will be able to get a percentage of your paid premiums. – Heart Disease or Heart Attack: You get categorized under high-risk criteria; heart disease gets you into that category, more so if you already had a heart attack. You can be sure that your premiums are going to be higher, but usually, most companies will still sell you a policy. However, it will come with a waiting period. If you have a well-managed heart condition, then
Define Interment Funeral: Understanding the Funeral Process
Define Interment Funeral : Understanding the Funeral Process Last Updated on: August 26th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Have you ever wondered about the different ways we honor our loved ones after they pass away? Among the various funeral practices, define interment funeral as a timeless tradition that holds deep cultural and emotional significance. But what exactly is an interment funeral, and why does it play such an important role in the way we say our final goodbyes? Understanding this practice can provide insight into how we celebrate and memorialize life, even in the face of loss. Get Free Quotes Customized Options Await Quotes Now How to define interment funerals? What is interment? Put simply, it’s when we place someone who’s died in their final resting place. Define interment funeral in a way that it is a process of burying a deceased person’s body in the ground, usually within a cemetery. This could be a traditional burial or a natural burial, where a coffin is lowered into the ground. But nowadays, when people talk about interment, they’re often talking about the interment of ashes. There are lots of ways that ashes can be interred. We’ll look at some of your options below. It’s good to know that the meaning of interment is different from “internment”. It’s easy to mix the two up because they sound the same and have very similar spellings. Internment (with an “n” in the middle) is when somebody is placed in prison, usually within the military. Where can an interment funeral ashes take place? The procedure for the interment funeral ashes starts with finding a permanent location. Possible locations include: A Local Authority cemetery A burial ground or churchyard A green or natural burial ground (they tend not to allow headstones) Interment funeral Options for the Cremated Body – Lawn Crypt Essentially, a lawn crypt is a type of underground mausoleum. It’s built deeper into the ground and can house multiple caskets. Often made of concrete, a lawn crypt possesses a drainage system, which protects the grave’s contents from the elements. In some cases, families are all buried together, but it’s not a requirement. Make sure to ask a cemetery representative if they use individual grave markers or just one for everyone buried in the lawn crypt. – Traditional burial In traditional burial, the body is interred whole and may be preserved by employing embalming so that the deceased can be displayed before the funeral rites and burial rites. Before burial, the cemetery prepares the location by digging a hole at the grave and may then place a grave liner or burial vault in the hole. The casket is then placed in the grave by the cemetery grounds crew after the committal service and more soil is then added to the grave. Finally, a tombstone with an epitaph is placed at the site as a form of honoring the deceased – Mausoleum A mausoleum is an above-ground structure used when the remains are placed in a casket. They provide individual methods for remembering your loved one, such as name etchings, nameplates, and vases for flowers. A mausoleum commonly contains individual or companion niches and safeguards the body from the environment. It is made of community mausoleum and private mausoleum kinds. In most situations, a private mausoleum is far more costly. Mausoleums are ideal for people who wish to have their remains buried with their loved ones in their tomb. – Natural (or Green) Burial There is another form of full-body interment that is natural or green burial. Green and natural burials are an attempt to mimic the natural process of decomposition as closely as possible. The main differences are two-fold: The main differences are two-fold: 1) Green burial does not allow for any type of embalming, while the cemetery ground is approved merely for green burial. 2) Green burials can only happen on very specific areas of land while a natural burial can happen on any piece of private property or any cemetery that permits it. Other Interment funeral Options A few lesser-used interment options are: Burial of ashes in a biodegradable urn by planting it with seeds so that a tree will grow on the site After cremation, the ashes are combined with cement to form a reef to assist the oceans to recover. They include, for instance, the launching of the cremated body into space. Being involved in burial at sea service is an option that is possible with both the full body and cremated body. For other options, refer to Meaningful Ways to Honor Your Loved One’s Ashes – Burial Vault or Mausoleum A burial vault is a structure built within the grave that holds one or many remains. An example of this would be a mausoleum. A mausoleum is essentially a large tomb. It is a monument, often made from stone, designed to house the remains of one or several individuals above ground. Like burials, mausoleums commonly contain personal mementos to markers related to the deceased. There are many types of mausoleums. Common ones include: Public/common Mausoleums. This is a structure that holds multiple individuals inside of the same place. Anyone is allowed to visit and pay their respects. Private Mausoleums. This is a type of mausoleum restricted for family use. These can be found on private property or purchased at a cemetery. Garden Mausoleum. This type of mausoleum is found outdoors and often decorated with flowers, plants, statues, and more. Sarcophagus mausoleums. This type of mausoleum is partially underground and has no door or windows within the structure. Vestibule Mausoleums. This is a small structure that looks similar to a house. There is typically a door entrance that leads into an inner burial vault. These are also often private or family-owned. – Columbarium Entering the final arrangements of the cremated body, the most common choice is a columbarium. Columbaria are made of a large number of small spaces also referred to
Burial insurance for Disabled Persons: Secure Your Future
Burial insurance for Disabled Persons: Secure Your Future Last Updated on: November 10th , 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Death is hard enough by itself. But with a disabled person who you love, it is twice as heartbreaking. On top of that, thinking about funeral costs adds pressure that makes it even more daunting. This is where burial insurance for disabled persons comes in very handy. It is also possible to use this kind of insurance to cover funeral expenses. At times, this can come as a pretty crushing blow when you need to start finding a way to pay for everything else. Let’s dig a little deeper and learn how it works. We will also discuss what you need to know. Get Free Quotes Customized Options Await Quotes Now Get A Free Quote What is a Disability? A disability is a condition that affects an individual’s capacity to perform everyday functions or activities. The different types of disabilities include: Physical (such as impaired mobility, inability to walk) Mental illness such as anxiety, depression The degree and type of disability will also lead to various impacts on everybody differently. Types of Disabilities Understanding the types of disabilities can help you choose the right Burial Insurance for Disabled Persons. Here are some common conditions and their implications for insurance. – Arthritis This condition often involves ongoing pain and stiffness. It can limit your ability to move freely and perform daily tasks. Insurance Impact: Simplified issue policies might be a good fit. These policies avoid detailed health exams, making them easier to qualify for. – Back Pain Affects many people at different stages of life. It can range from mild discomfort to severe, debilitating pain. Insurance Considerations: Look for policies that don’t require extensive medical histories. This is especially important if back pain leads to limited physical activity or frequent medical visits. – Cancer A significant health challenge with varying treatments and outcomes. This can be very high, impacting financial stability and future planning. Policy Choice: Guaranteed issue policies might be necessary if the diagnosis is recent. These policies accept applicants regardless of health status but come with higher premiums and lower coverage amounts. – Heart Disease Includes conditions like heart attacks, chronic heart failure, and other cardiovascular issues. It requires regular medical attention, medication, and sometimes surgeries. Insurance Options: Consider policies with lenient health requirements. Simplified issue policies can balance coverage and affordability without needing a medical exam. – Depression Can deeply affect daily life, productivity, and overall well-being. Some insurers might ask detailed questions about mental health history, which can complicate the application process. Suitable Policies: Simplified issue life insurance can be an excellent choice to avoid intrusive questions. These policies often provide quicker approvals and fewer barriers. – Diabetes These types of patients require continuous management of blood sugar levels through diet, medication, and lifestyle changes. This can lead to other health issues, like neuropathy, kidney disease, or cardiovascular problems. Insurance Fit: Policies that don’t require medical exams can be beneficial, especially if the condition is well-managed. Look for insurers who specialize in covering individuals with chronic conditions. Burial Insurance for Disabled People However, some disability conditions may not qualify a person for old-fashioned life insurance. Disabled individuals can still acquire burial insurance as the insurance is particularly designed to pay final costs such as funeral costs. The insurance gives one peace because the family cannot be pushed to break under financial stress upon death. – Advantages of Burial Insurance for Disabled Individuals Easier accessibility: Most burial insurance policies do not require a medical examination and can therefore be offered to disabled people as well. Guaranteed issue policies: Policies that do not ask health questions are more accessible to people who have various health conditions. More affordable coverage: Burial insurance offers smaller coverage amounts that are usually affordable for the payment of funerals as opposed to the bigger life insurance policies. Savings peace: It ensures there are savings to finance funerals, thus saving families the burden of paying. – How to Get Disability Burial Insurance Work with specialized insurers: These are insurers who know what the disabled person requires and will offer policies that cater to their needs. Compare policies: Consider the variety of options you would have and pay attention to the exclusions or limitations upon people with specific disabilities. Seek professional advice: Consult an insurance agent who has experience in dealing with clients who are disabled. Simplified Issue Life Insurance: Quick and Easy to Get – What it Is: With simplified issue life insurance, you answer several health-related questions but don’t have to take a medical exam. With simplified issues, if you qualify, you get coverage pretty quickly. – Why It Could Work for You: This policy is a sort of middle ground between term life and guaranteed issue life insurance. Its qualifying process is easier for those with disabilities, and you’ll get coverage faster than traditional life insurance. However, the premiums would be higher compared to a policy that does not question. – Pros: No medical exam Faster approval process – Cons: Still requires answering health questions Higher premiums Burial Insurance: Cover Your Funeral Costs Without Hassle It is sometimes known as burial insurance, but final expense insurance is actually intended to pay out for the costs of your funeral and other final expenses. It is generally a small whole life policy in most cases – Pros: Simple and affordable No medical exam required Covers funeral and burial costs – Cons: Low coverage amounts (typically between $5,000 and $25,000) Only for final expenses How Medicaid Burial Funds Can Help with Funeral Costs Medicaid allows you to reserve funds for funeral and burial expenses, which will not be considered in your Medicaid application. These reserved funds are known as “burial funds.” – Pros: Exempt from Medicaid’s asset limits Allows you to save for funeral costs – Cons: Limited to funeral expenses Rules vary by state Does Medicare Cover Burial Expenses?
Gerber Guaranteed Life Insurance: Customer Reviews and Rating
Gerber Guaranteed Life Insurance : Customer Reviews and Rating Last Updated on: October 11th, 2024 Reviewed by Kyle Wilson Licensed Agent @ Burial Senior Insurance Get A Free Quote Gerber Life Insurance stands out as a reliable, well-established life insurer offering a diverse range of plans to suit different needs. It’s one of our top picks for the best term life insurance companies as well as the best whole life insurers. In this review, we take an in-depth look at the Gerber Life Insurance Company, exploring gerber guaranteed life insurance, pros and cons, plans, pricing, and customer satisfaction ratings. Read on for more. Get Free Quotes Customized Options Await Quotes Now Who Should Get Gerber Life Insurance? With life insurance policies available for all ages, Gerber Life could be a good option for those seeking whole life coverage for a child or teen, or term or whole life for an adult or senior, as well as those looking for guaranteed-coverage or no-exam life insurance. Gerber Life Company History For more than 50 years, Gerber Life has been providing budget-friendly life insurance so that children and adults can have greater financial protection. Founded in 1967 by the Gerber Products Company, we share a common heritage and values in caring for the millions of families who place their trust in us. Today, Gerber Life is a member of Western & Southern Financial Group Inc., one of the strongest life insurance groups in the world. With $65 billion of life insurance in force as of December 2023, you can count on Gerber Life to provide insurance plans for the entire family that offer the reliability, flexibility, and peace of mind you deserve. Gerber Guaranteed Life Insurance Company Policy Overview Face Amounts Range: $5,000 up to $25,000 Insurable Ages: 50 – 80 State Unavailability: Not for sale in MT Graded Period: 24 months Riders: None Premium Percentage Returned: 10% of earned premium Application Process: Using an independent agency or directly through the carrier Guaranteed Life policies are $25,000. Gerber Life Insurance Company will not issue insurance for any proposed insured when a POA or Guardianship exists on the proposed insured. What Riders Does Gerber Life Insurance Offer? Riders are additional coverage options you can select to customize your insurance policy. Here are two riders Gerber offers. Keep in mind that others may be available and availability varies depending on your location and the policy. They gerber guaranteed life insurance Option Rider. This rider allows your child to purchase additional coverage as an adult at standard premiums relative to their age. Gerber doesn’t require a medical exam to get this extra coverage. It’s automatically included in the Gerber Life Grow-Up Plan at no additional cost. Waiver of Premium Rider. This rider is available at an additional cost for Gerber Whole Life policyholders. If you become disabled, Gerber will waive your premiums while your coverage remains active. You must meet age requirements to qualify. Pros of gerber guaranteed life insurance There are many advantages to choosing gerber guaranteed life insurance. Below we will list each pro and explain why it might benefit you. – Guaranteed Issue Policy If you’re 50+ years old, your life insurance acceptance is guaranteed regardless of your health history. There are no medical exams to complete or lengthy health questionnaires to fill out. To be eligible for coverage you must be a U.S. citizen between 50 and 80 years old (New York residents, maximum age of 75) residing in the US or permanent legal resident. The total limit of all combined Gerber Life Guaranteed Life policies is $25,000. Gerber Life Insurance Company will not issue insurance for any proposed insured when a POA or Guardianship exists on the proposed insured, except legal guardians of children. – Gerber Life is a Reputable & Financially Stable Company When it comes to the plan itself, the Gerber Life Insurance Company’s Guaranteed Life Plan is a fairly typical policy in terms of features and benefits. What sets it apart is that it’s backed by an excellent life insurance carrier with a strong balance sheet and a reputable brand name. This is a company that you can put your faith into and trust that your beneficiary will receive the necessary funds that can be used for your final expenses. – Graded Death Benefit Guaranteed Life is individual whole life insurance with modified benefits. For applicants aged 50-80 (50-75 in New York) who die (for any reason other than an accident as defined in the policy) within the first two years of coverage, the death benefit will equal 110% of earned premiums. The full death benefit amount is only payable for other causes after the first two years of coverage (one year in North Dakota). – Product Availability Gerber Life Insurance Company’s Guaranteed Life is available for people between the ages of 50 and 80 in quantities that range from $5,000 up to $25,000. With Gerber Life, you can take out multiple policies, but the cumulative total cannot surpass $25,000. To compare guaranteed acceptance life insurance rates for your exact age and requested policy amount, use the complimentary quoting tool on the side of this page. – Competitive Premiums & Payment Options When selecting a guaranteed acceptance policy, the cost will always be one of the key determining factors. Generally speaking, there isn’t a huge variety of policy features across carriers, which is why it always comes down to price. We also understand that most people qualified for a no-questions policy are on a fixed income and unable to pay exorbitant monthly premiums. Gerber Life Insurance Company is known for its competitive pricing, although they are a little more expensive than other guaranteed acceptance plans. These premiums, however, are fixed and will never increase on you. Be Aware: Unfortunately, there are some plans on the market where premiums increase every 5 years. This is not the case with Gerber Life. Payment of premiums is notably flexible with Gerber Life and there are discounts for certain methods. You
