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SpinDistribute.com Article Directory

The following article was published in our article directory on August 21, 2013.
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Important Things to Know About Final Expense Insurance

Article Category: Advice

Author Name: Jim Lee

The end is certainly not something that people look forward to. But it is an inevitable circumstance. And when the time comes, the last thing you want is to make it more difficult for the surviving family members. You would not want to lay the burden of final expense on your family.

The average cost of final expense is approximately $6,000. And that's a lot to expect from a grieving family. With the help of insurance however, some of the burden for the loss may be lifted.

A Policy for Every Need

The main objective of this type of insurance is simply to provide for the burial expenses way ahead of time. So when the time comes, the surviving family will incur no cost or at least a minimal one for burial. Most of these policies prove to be quite flexible. There are specific policies that can meet certain needs.

What does it include?

This type of insurance policy is intended for the purpose of covering the cost of embalming, cremation, funeral services and burial or other related expenses. Final expense insurance policy comes by many names. It is also referred to as burial insurance. But all these policies are basically the same products.

This kind of policy however, varies by term. A term insurance policy, for instance can cover the individual up until a certain age. For example, the policy may be meant to cover for the policy holder until the age of 100. Such may or may not cover the final expenses. This option may be beneficial for those who expect to live less than what the term insurance policy promises to cover them for.

In addition to term life, there are also whole life policies. It basically covers for the individual until end of life regardless of age. Moreover, there are policies that offer both guaranteed issue and premium which shall depend on the insurance provider. It simply means the insurance company is willing to make the policy available without requiring any medical examination. They may also come with an assurance that rates will not be increased over time.

How does it work?

After choosing an insurance company, the policy holder must assign a beneficiary. This individual is the one who receives the proceeds of the policy after the policyholder's death. It is the beneficiary who shall oversee of handle the funds to cover for the funeral costs.

The biggest advantage of this insurance policy is that the premiums are rather inexpensive. Also, the coverage can be provided immediately or only within a short period of time. However, a huge potential drawback is that the assigned beneficiary has no legal obligation to use the received funds to cover for the funeral expenses. In which case, it is very important to choose and name a beneficiary who is truly after one's best interest or that of the family's.

Overall, final expense insurance policy is a wise investment. Nobody looks forward to their own demise but it is also a sign of being financially responsible, looking after the family's best interest even after the end of life.

Keywords: final expense, burial expense, what is final expense, burial insurance, what is burial expense

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