Estimating Final Costs for Final Expense

Planning your last expenses requires a careful consideration of all your final needs. Consider how you want to be remembered, where your final resting place should be, whether you wish to be buried or cremated and what type of casket or urn you prefer. Talk with a licensed, reliable funeral director in your community about the cost of the services you require. A funeral director will give you a list of the services and products that it provides. The value of your insurance policy should cover the expense of the package you choose, plus any additional costs.

The most basic, economical option is generally an immediate burial plan. An immediate plan may a modest service at the graveside and a simple casket. The expense of a viewing is not included in most immediate burial policies. The costs of the plot, a headstone and flowers must be paid for separately and should be included in the estimate you give your insurance provider. An immediate plan may be purchased with either burial or cremation.

A traditional full service option, including a viewing, a hearse, a formal ceremony and entombment and cremation is more costly than an immediate or direct package. When you consider the costs of a package, you must take every extra expense into account in order to arrive at an accurate estimate of your financial needs. Your final expense insurance benefits can include the costs of preparatory tasks like washing, dressing and embalming. A procession, limousines, flowers and a wake can also be included.

Although most mortuaries offer packages with a pre-determined set of services and products, you have the alternative to choose only the options that you want. The overall expense of the ceremony, casket, entombment, plot and other options will represent the value of your final expense insurance policy. When you're buying insurance, it's important to have an accurate estimate of the amount of coverage you need to avoid leaving your loved ones with these financial responsibilities.

 

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