End-of-Life Planning
and Final Expense Insurance

You are protecting your assets when you make the decision to pre-arrange and pre-fund your funeral expenses before the need arises. Final Expense insurance can help you offset those costs.

End-of-Life planning involves preparing for those immediate expense needs that are inevitable as a part of yours or your loved ones funeral. Having an irrevocable plan in place that is assigned for those end-of-life needs and expenses can save your assets from being spent unnecessarily because you were not prepared. Your family will receive a greater benefit and will be spared from having to make hard financial decisions at a very emotional time.

Did you know?

• It could take as long as 30-90 days (has taken as long as up to 6 months) before your family receives the claim money
• A certified death certificate is needed to trigger a death claim (which can take weeks or even months)
• Most funeral homes at the time of death whether it's a cremation or funeral service will need to be paid beforehand (usually 3-4 days after the death occurs)
• Interest will be charged to your family if the service is paid after it occurs (and may have only up to 30 days to repay the debt)
• Cash advances are required by the funeral home to cover their miscellaneous costs and has to be paid upfront (within 12 hours after the death occurs)

Having burial and final expense insurance is the best way to eliminate the "business" that is required to be handled when that shouldn't be the focus at that time. It should only be a time of celebrating the wonderful life that your family experienced with you and the proper time to say goodbyes.

Insurance companies are quick to take your money but slow to pay it out. What you need to look for is a company that stands behind simplicity and speed. It can be as simple as obtaining a no-obligation final expense insurance quote  to find out what your options are in taking the necessary steps towards being prepared. In addition, a Forethought Final Expense policy will guarantee a speedy payout within 48 hours of your death to your beneficiaries.


March 30, 2008

    As the loving wife of the departed Chief Master Sergeant, Ronald James Williams, I would like to express my sincere thanks and testimonial to the final expense program offered through the advanced family services affiliated with Remuda Financial.  It was suggested to us to secure finances for our arrangements years prior to Ron's death.  We did not realize at the time, but this suggestion was a blessing to all of my family.  It enabled us to consider, plan and discuss our options while in good health and a clear state of mind.

    When the moment comes for a loved one to leave us, whether sudden or after a long illness, we are never prepared.  I was truly grateful, as well as my children, not to have to make those important financial decisions in our time of grief. 

    I offer my sincere thanks to them for their heartfelt services and going far beyond all of our expectations prior to, during and after this most difficult time for all of us.  As with my husband, my plans have been made ahead of time.  It is comforting to me to know that my children will not have to make these complicated financial decisions at the time of my death.

    I would highly recommend that all families consider the final expense program offered through the advanced family services affiliated with Remuda Financial.

Sincerely,

Doris Williams

Notice: this is not intended as tax, investment or legal advice. Consult a tax, legal, or financial professional as to the applicability of any financial, tax, or legal strategy for you.