Should You Be The Responsible Party For Planning A Funeral?
All too often, funerals are planned at the last minute with family members scrambling to find funds and guessing at what the deceased person's final wishes were. Not to mention, many people don't know who exactly should be planning the event. Therefore, if a person does not want these burdens falling on the shoulders of their loved ones, they should consider orchestrating the ordeal themselves. Working with a funeral home and insurance provider can help with this endeavor.
What Is Burial Insurance?
The funeral home of your choice will be more than happy to assist you in planning your big day. This action will ensure that you know exactly how much money is needed to cover the costs. Then, you can simply purchase a burial insurance policy that meets the monetary demand. It is a product that is used to pay for funeral services and merchandise. The monthly payments are affordable, which means the consumer doesn't run into difficulties paying them.
Meanwhile, the total payout will vary according to the plan a person chooses. The amounts often range between $2,500 and $25,000. Plus, it is easy to get a policy as there is no medical exam required. Planning the event ahead of time assures that your final wishes are taken care of, and it eliminates family members from having to deal with all of the confusion and money problems. After all, the only things they should be worried about after your passing are grieving, mourning, and celebrating your life.
Who's Responsible When No Pre-Planning Occurs?
When a deceased person has not listed a specific individual to handle funeral arrangements or deal with the estate, the duty falls to next of kin. Some of the tasks on their plate will include writing the obituary, selecting a coffin, cemetery plot, the funeral music, and even organizing a reception. The pecking order for the responsible party goes (1) Legal spouse or partner, (2) surviving adult child, (3) surviving parent, (4) surviving adult sibling, and (5) authorized guardian.
Don't go away just yet as the list continues going though. If none of those persons mentioned above are available, the responsibility then falls to (6) grandchildren, (7) great-grandchildren, (8) nieces and nephews, (9) grand-nephews and nieces, (10) grandparents, and (11) aunts or uncles. Should there still be an issue getting a funeral planner, the next individuals in the line include (12) first cousins, (13) great-grandchildren of grandparents, (14) second cousins, and finally, (15) a fiduciary also known as a legally appointed trustee.
The Matter Should Be Taken Care Of In A Timely Fashion
Sometimes, it is not possible to find the last will or other legal documents in a hurry. Still, the deceased person needs to be buried or cremated within a respectful time frame. With any luck, you and your family now have a better understanding of who the responsible party should be when it comes to planning a funeral. So, if no pre-planning occurred, use this guide to get the right people involved in the process.
Give us a call to obtain top-notch burial insurance today.