What To Look for When You Are Buying Final Expense Insurance

December 19, 2024

Cost is important, but it’s not the whole story. Take a look at the premium, the amount you will pay each month, how long will you pay that amount? It is not uncommon to pay until you are 100 or even older. Will you be able to pay that amount each month as you age? What if you live to be 100? Will the benefit stay in place? How much will you have paid in by that time? It’s not unheard of for people to end up paying more than they will receive in death benefits.   Look at the coverage. How much will be paid on your death? Most policies are for a fixed amount your family will receive when you die. This is the death benefit. How soon will you be covered for the full amount? Sometimes you will need to make payments for as long as two years before you would be eligible for the full death benefit. Often the death benefit stays the same over the course of your lifetime. So, as you age and the price of funerals increases, your policy is at risk of falling short and not providing your family with enough to cover the cost of your funeral.   Before you sign anything, call your local funeral home. Ask for an appointment with the funeral professional who takes care of advance funeral planning. When you meet with this individual be straight forward. Share your financial situation. See what the funeral home has to offer.   Most of the time the funeral home’s funding program is a little more per month but you make payments for a much shorter period of time. So, you pay much less in the long run. If you are in good health you will most likely be covered as soon as the policy is issued. Some funeral homes even offer a cost guarantee which means you have no worries about the rising cost of funerals.   It’s always worth the extra time to be sure you are getting the best final expense coverage you can afford. The one that will really be there for your family when it’s needed. www.griffithsfuneralhomes.com

August 7, 2025
Cremation, like electric cars and cell phones is here to stay. For some people cremation is part of their religious practice. For other people, cremation just feels right for them. The big question is who should help you with your cremation, a society or a funeral director?
July 10, 2025
What’s the story behind flowers at a funeral? Well, back in the day before funeral directors perfected the art and science of embalming, flowers were used to mask the odor of the body.
June 5, 2025
Millions of high school students across the nation will graduate this year. There will be parties, balloons, cakes and speeches. Many of these young people will receive the gift of a wonderful little book written at 87 years of age by Dr. Seuss.
May 1, 2025
April 3, 2025
Nothing means more to a grieving child, spouse, sister, brother or friend than a personal note from the deceased. It’s something that will be cherished. The note will make its way out of it’s safe keeping spot whenever the mourner needs to feel close to the person who died. It will be read on those tearful days that are sure to come. It will also be read on those days that are full of joyful remembrance.
March 6, 2025
By now most of the big stuff is probably done. The Thank you notes have been written and mailed. The marker or head stone has been placed or you’ve found a place for the urn. You’ve probably filed for the life insurance, and perhaps you’ve even begun to clean out his closet.
February 7, 2025
When a family member dies or when a person is planning their own funeral in advance, one of the first questions that will be asked is, “Do you want burial or cremation?” The burial or cremation question is a starting point for a number of choices that must be made. It’s a place to start. But it is absolutely not the entire story.
February 6, 2025
Writing thank you notes is usually one of the very first “after the funeral” tasks you will undertake. You may be surprised to find that your brain/hand coordination is not working so well. You sit there with pen in hand and well-formed thoughts in your head, but somehow it all gets lost between the head and the paper. Don’t despair. This is normal and it’s all part of the grief journey. You are not thinking straight now, but you will again soon.
By Sank Griffiths January 22, 2025
The Normandy American Cemetery is the resting place for 9,387 Americans, most of whom gave their lives during the landing operations and in the establishment of the beachhead. The headstones are of white Italian marble adorned with a Star of David for those of Jewish faith and a Latin Cross for all others. The permanent cemetery is located on land France granted to the United States in perpetuity.