Life Insurance for Final Expenses in Buffalo NY.
Death is a one-off expense (unless you believe in reincarnation) but it can easily set you back more than $10,000.
If you pop your clogs without a plan in place, you could leave friends and relatives picking up the tab.
And that can be quite an impressive bill.
Funeral costs would be somewhere in the vicinity of $9000 today.
Of course, your final send-off doesn’t have to be an extravagant affair. The most crucial factor is whether you opt for a burial or cremation.
The cost of a funeral and burial can easily run into the tens of thousands of dollars, and most people wouldn’t want their wives, parents, or children to suffer financially in addition to emotionally at their death.
If you know you’re leaving enough money behind to cover your affairs, you might not be worried about putting relatives under pressure.
But bear in mind that it can be months between your death and the actual settlement of your estate.
Funeral homes are running a business and they have to get paid too.
If they don’t, some will charge a monthly fee or interest on the unpaid bill after a certain period.
This means families often do have to come up with the cash, and at quite short notice if the death was unexpected.
So what can you do to make sure your death is as stress-free as possible for grieving relatives?
Relying on government assistance is not a good idea.
Life insurance for Final Expenses is an option. The policies have small face amounts from $5000 to $50000 and seniors age 50-90 can apply even if they have some pre existing conditions.
From our experience there is never enough money at the time of death. Allowance should always be given for the provision of final expenses and emergency funding.
Funeral costs, payment of any outstanding taxes and legal expenses all add to final expenses and in some cases these can be extensive. Allowance should also be made to have a break and maybe take the family away for a short period in order to get everyone settled after such an experience. A small emergency fund could be of great assistance at this time.
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