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It’s Your Funeral, Why Leave It To Others?
Mixed Feelings:
Making plans for the future brings mixed feelings. It is right to concentrate on the good things, but sometimes there are things you would rather not think about. A funeral is one of those things. You may not have considered planning a funeral in advance, but there are several reasons why it can bring great peace of mind.
Bereavement usually brings with it emotional and financial burdens. However, you can spare your loved ones much of the burden of having to make difficult decisions at an upsetting time.
Funeral Costs:
The cost of many funerals has more than doubled in the last 10 years, and prices are set to continue to increase in the future.
If you have savings set aside for your funeral, you can never be sure that there will be enough – or you may be setting aside more than you really need to. It makes good sense to guard against unknown price rises.
A prepaid funeral plan is a way to be absolutely certain that the services of the funeral director will be provided and there will be nothing more to pay for these services.
Avoid Family Stress:
Bereaved relatives usually arrange a funeral and may be unsure what was actually wanted. It helps to do something at times of sadness, but it is not a good time to make important decisions – which, if wrong, cannot be put right later. Planning ahead for your funeral can be a great help in alleviating the emotional and financial burdens that naturally accompany bereavement and those who remain will remember your thoughtfulness.
There is also some quiet satisfaction to be gained from putting your affairs in order and reflecting on the most appropriate arrangements. People worry that their wishes will not be carried out. It is important to realize that any funeral wishes are set out in your Will or other letters or documents are only requests. Your executors are under no obligation to carry out your wishes. However, if you own a prepaid funeral plan, your guarantee is with a funeral director and your wishes are set out in your guarantee certificate.
Pre-Arranged Funeral
When you pre-arrange your funeral with your pre-paid funeral plan you can:
Decide on your funeral service and select a suitable arrangement
Settle on a method of payment to match your circumstances
Select who benefits under the plan
Have comfort, reassurance, and freedom from worry and stress
Ensure no hidden extras are charged
Final Expense Insurance
What is final expense insurance?
Final expense insurance will pay for your funeral expenses, as well as any debts accumulated at the end of your life, which could include nursing home costs not covered by Medicare. Senior citizens used to refer to it as burial insurance.
Why do I need it?
Funerals are expensive and the price continues to rise. Even without a plot and headstone, the average funeral costs more than $9,000, and that amount has risen more than 10 times since the 1960s. Most people don’t want to leave this burden to their heirs.
Are there different types of policies?
Yes. You can purchase a whole life final expense insurance policy that covers you until your death. Or you can buy a cheaper term life insurance policy that only provides coverage until you reach the age specified in the policy. Final expense insurance policies offer varying amounts of coverage and premiums. MetLife sells a $2,500 policy costing $10 a month for a 45-year-old woman because she is expected to live to age 82.
When should I buy it?
You can purchase a final expense insurance policy anytime between the ages of 45 and 85. Remember that the cost of the policy is lower when purchased at an earlier age since you will be paying into it over a longer period.
What Insurance Company Do I Work For?
I am an independent insurance agent! I work for you, NOT the insurance companies to get you the best possible rate for the most coverage.
Can you purchase your coverage from us online?
We are different from other insurance agents; most of our application enrollments are done online, while you stay in comfort of your own home.
I work for you, not the insurance companies!
How Do You Contact Me?
Phone: 845-380-5809
Email: InsuredMeds@gmail.com
Snail mail:
Bill Vargas, CLU, ChFC
1145 Rt. 55, Suite # 3, Lagrangeville, N.Y. 12540
What Other Services Do I Offer?
We offer retirement planning, Life Insurance, Medicare Supplement & And Medicare Advantage Plans, Final Expense Insurance and a full line of financial services.
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