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What To Look for When You Are Buying Final Expense Insurance

Adam Striffler • June 12, 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.strifflerfuneralhomes.com

Jewish Funeral Traditions

By Adam Striffler • June 20, 2024
As we begin to learn more about religious practices outside of our own, it is sometimes surprising to find how much different faiths have in common. Mourners of all faiths understand the power of grief and the comfort of community. So, what happens when a person of the Jewish faith dies, and how can a person outside that faith support a friend or neighbor who is grieving?

Until Death Do Us Part: Losing a Spouse   Three to Six months After Loss

By Adam Striffler • June 12, 2024
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.

Writing the Thank You Notes

By Adam Striffler • June 12, 2024
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.

Dad Died. What Do I Do with the Pills?

By Adam Striffler • June 12, 2024
Prescription medication is expensive. Just that fact can be an understandable motivation for some risky business. When my father died, my mother was asking everyone, “Aren’t you on blood pressure medicine?  You take this heart pill don’t you?  What do you take for depression?” Her plan, no waste.

Mother Died… How Long Do We Keep Her Things?

By Adam Striffler • June 12, 2024
Separating from a loved one’s belongings is one of the more difficult jobs you will have to do after a death. It is amazing how much is collected over a lifetime. You probably won’t get it done in a day and you will probably shed a few tears.

Too Little Too Late  - A Memorial Gone Wrong

By Adam Striffler • June 12, 2024
Jane knew some people had a fear of planning a service. They don’t know how to or what to plan. They are at a loss. They should have they called the local funeral home for help. The funeral director could have helped them find someone to pull together a brief ceremony at the graveside or in the chapel.

Grief Is Individual

By Adam Striffler • June 12, 2024
Let’s talk about the stages of grief. There is denial, anger, bargaining, depression and acceptance. I studied them in nursing school, reviewed them when I got divorced and generally found them to be a pretty accurate and helpful bit of knowledge. And then, a family member died. Stages?

What is a Celebration of Life?

By Adam Striffler • June 9, 2024
The celebration of life is the personal or individual aspect of a funeral service. It is about the person who died. It is about their relationships, their loves, their passions, their accomplishments, their beliefs, their talents. It is about what and who they cared about as they lived their own unique life. How did they make a difference?

Preplanning Your Funeral in your 60’s

By Adam Striffler • May 24, 2024
According to a National Funeral Directors Association survey, more than half (62.5%) of us expect to participate in making our own funeral arrangements. And yet, less than a quarter of us have actually acted on that impulse. Not really so surprising since making funeral arrangements can literally be the very last thing we do. We can put it off right up to the end!

Cremation or Burial… is That the Question?

By Adam Striffler • May 10, 2024
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.
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