Charities That Help With Funeral Costs

Charities That Help With Funeral Costs

Over the year, prices have certainly increased manifold but along with this problem is the high costs for funeral, which many mediocre income families are unable to pay.

In the event of a sudden passing away of a loved one, an immediate payment of something between $3000 and $7000 can be very difficult to manage.

Charities That Help With Funeral Costs
Charities That Help With Funeral Costs

Some payments have to be made in just a couple of hours of passing away, which can be very difficult without having a source of funds that can be accessed right away. How can families with low to middle income and minimal savings manage with such circumstances.

Charities That Fund Funeral Costs

One source is state and federal burial program through which a certain amount of finance can be gained to meet with funeral costs. How much is gained depends on location and also income level.

Another means of reducing burial costs is by opting for social security assistance, which offers a one-time payment of $255 to the spouse or children of the deceased. This amounts to very little but still helps in making small payment associated with a loved one’s passing away.

If the deceased is eligible for social security retirement benefits, their loved ones can claim survivor benefits. Such a claim can be made by surviving spouse of 60 and above, parents who are dependents and at the age of 62 and older, divorced spouse in case of a marriage of more than 10 years and unmarried children below 18 years.

Charities and Nonprofits that Help with Funeral Costs

You can also check out the Federal Emergency Management Agency (FEMA) which offers financial assistance to those survivors of victims who have passed away due to a natural disaster. They also make payout in the event of a health condition that causes loss of life at the time of the disaster striking.

Yet another source of financial support for funeral expenses is the local church or funeral homes who will make payment in full and who can be repaid through a flexible repayment schedule.

An organization that offers complete assistance to families that simply cannot afford any funeral costs is Final Farewell, which is a non-profit organization. Friends of the Elderly is another charity organization that assists people in making payments for older people who are financially very poor.  

Help with funeral costs for a disabled person or needy one

Those in Colarado can look into the Colorado Department of Human Services (CDHS), which is a program offering financial help for final expenses to disabled or needy person, but the amount offered is upto $2500.  Look into Funeral Consumers Alliance, which partners with many organizations that also include charities to provide for families unable to cope with funeral insurance costs.

In addition to the above means of getting financial assistance for funeral expenses, you can also look into loans that are provided within couple of hours to make funeral payments right away and which can be repaid through monthly installments.

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How To Plan A Funeral Step By Step?

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Posted in Funeral Tagged with:

How To Plan A Funeral Step By Step?

How to plan a funeral Step by Step?

Death is inevitable, and if there is one thing that a human is certain of in his lifetime, it is death. Thus it is essential to perform spiritual practices to pay tribute to the immortal soul of loved ones.

How To Plan A Funeral?

The funeral is one such ceremony that people don’t want to be part of, especially when the deceased person is still in his/her youth. It takes a lot of heart and character to cremate your loved ones and bid adieu for one last time.

How To Plan A Funeral?
How To Plan A Funeral?

But it is crucial to perform such rituals as these would not only put the deceased soul to rest, but it would give salvation to it as well.

Funeral Ceremonies in The USA

Funeral ceremonies in the USA ensure all the relatives and familiar people of the dead, collectively pay their final tribute dressed in black suits. All the closed ones pay tribute with hymns and poems to remember their cherished memories together.

After everyone is done with their final rituals. The priest or minister calls for the cremation or embalming processes, which include either burying the casket in the graveyard or cremating the body and keeping the ashes in the urn.

Thus, below is the process of how to plan a funeral.

  1. Specify your needs to the service provider- Funeral can be done in various ways like Traditional, memorial, or graveside. It is crucial to inform the service providers to place appropriate elements for the required ceremony. These ceremonies require different setups, and they may vary according to your preference. As many people are quite optimistic, thus it is also important to position the objects according to their spiritual beliefs. The sole purpose of a funeral is to ensure that the person’s soul rests in peace as myths suggest that if a person is not buried or cremated through a funeral, then it is considered a bad omen. The funeral ceremonies in USA are followed in distinct ways.
  2. Avail ideal Transportation facilities- As the priest or minister is finished with final rituals of blessing the deceased soul, the crowd makes way for the final destination of the coffin. Thus, it is crucial to book ideal transportation facilities for convenient consequences. In the Funeral ceremony of famous people, the transportation services for the movement of the coffin, is extremely grandeur as the whole world bids adieu to their favorite artist, minister, sportsman, etc. But for normal people, the ceremony is quite calm and placid, and people carry the coffin on their shoulders to pay their last tribute.
  3. Research on the prices offered by different providers- Though, expenses should not be over-hyped in such spiritual deeds. But it is crucial to avail of the services of the most trustworthy funeral ceremony providers. This would not only save you a whole load of money but would also ensure that the deceased soul rest’s in peace — funeral ceremonies in the USA costs around  7000$ to 10000$.
  4. Provide the information to the funeral ceremony providers- Some basic information like the name of the deceased, date of birth as well as death for the death certificate and some other vital details are necessary for funeral ceremonies in the USA.

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Is Lincoln Heritage Funeral advantage legit?

What is Lincoln Heritage Funeral Advantage?

Lincoln Heritage Funeral Advantage is a solution to the financial expenses of the seniors and aged persons. They claim to spend on the funeral costs; unpaid bill amounts and also for the arrangements for their medical expenditure makes it an extremely good insurance option.

Is Lincoln Heritage Funeral advantage legit?
Is Lincoln Heritage Funeral advantage legit?

The amount of the claims approved is paid to the family members within 24 hours of the approval, such that the families can use the cash amount for the needful. They claim to offer the privilege to the seniors to make their won funeral management in compliance with their wishes and interest.

Claims of the pros of this policy Lincoln Heritage Funeral advantage

The Funeral Advantage policy of the company is rated among the top. The company is credited Excellent by the AM Best. They have the reputation of providing advantages to the people aged between 40 years and 85 years.

Although the coverage is less in comparison with other policies, their very fast pay-out scheme is liked by many. They also offer a substantial amount in case of accidental death. The generous policies of this company make the insurance easily available for many.

Features of the policy

The Lincoln Heritage Funeral Advantage provides maximum coverage of twenty thousand dollars. It covers any kind of funeral expenses provided there is no restriction to the usage.

The company has a fixed premium policy and provides coverage for the whole life. It also offers coverage up to one hundred thousand dollars in case of accidental deaths. The prime feature of this policy involves that they dispatch the amount within 24 hours once it is approved.

The expenses covered by this funeral advantage include post-funeral reception, caskets, flowers, cremation, headstones, burial pots, flowers and obituaries in the newspaper.

Qualifications essential for the advantage

The age requirement for availing this ranges from 40 to 85 years. Medical examinations are not required for availing this policy.

All you need to do is answer some medical questions mentioned in the consumer application forms. There are little to no criteria for disqualification from this advantage by Lincoln Heritage. It is also available to the ones reported to have health issues earlier.

Customer Experience Lincoln Heritage Funeral Advantage Review

This policy has positive reviews from the customers who availed it. The policy is liked by many, and there are positive reviews by the customers on their website.

They are accredited with A+ rating by the customers which makes it one of the best policies available in the market. The Lincoln Heritage Funeral Advantage promises to organize for the final expenses, and they seem to accomplish the same.

The positive reviews in several online sites ensure that this final expense policy is a legit one. There are add on advantages offered by this policy with some increased premium.

This includes vision, dental and pharmacy discount plans, healthcare expenses, auto expenses protection, child rider, and identity theft protection.  These advantages are well appreciated by customers, which can be easily assessed from the reviews on the company website.

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How To Pick Senior Life Policy That Pay For Cremation Cost Or Final Expenses?

How To Pick Senior Life Policy That Pay For Cremation Cost Or Final Expenses?

In today times wherein costs are very high, the only real thing that can be depended upon is the savings, especially when you are in the retirement years of life.

Senior Life Policy That Pay For Cremation Cost
Senior Life Policy That Pay For Cremation Cost

However due to the rising costs, this can also be a problem as retirement income is not enough to meet the expenses arising at this stage in life.

In such situations what is needed is senior life insurance which can help loved ones pay for expenses that suddenly arise when they can be no longer provided for by the earning elderly family member.

About Life Insurance Above 80 Years

What does senior life insurance offer – the primary benefit gained from it is an income that keeps elderly people independent from their children financially during the very later years of life.

There are many healthy senior citizens who are battling to face the rising costs of life and small medical expenses or even small debts can be difficult to manage.

A senior life policy which offers payout during the policy holder’s lifetime is best for meeting such expenses but above all it is a prime benefit to loved ones who are not financially capable of meeting high final expenses.

Cremation Insurance Policy

The policy will pay out a lump sum to them in the event of the policy holder passing away which can be used to meet the final expense as well as all other sundry money obligations left behind. 

This payout is enough to take care of such urgent payments which will put a heavy burden on them when they are already in a difficult situation emotionally.

Cremation Cost Policy And How To Find The Right One

This type of policy is low cost and meant specifically to pay for the final cremation expense and other expenses such as outstanding payment that simply cannot be written off when the person passes away. 

It does not require the applicant to take a medical test.  It is a whole life policy and one that costs something around $5000 to $ 25000.  This type of policy is usually taken by senior citizens who cannot get coverage under a regular senior life plan because some pre-existing medical condition is preventing it.

Taking this policy is of significant benefit for dependents as final expense costs are significant and they will be heavily burdened with it alongside having to deal with the emotional trauma of the passing away of a loved one.

How Much Premium Do I Have To Pay for Cremation Insurance Policy?

The best type of policy is one that offers low premiums yet helps you to build significant cash value during your life period so that dependents get a significant amount. 

The premium should be fixed amount for your whole remaining life, which is very important as senior citizens don’t want to pay heavily at the very later years of life.

It should be one whose benefits apply immediately after policy sign up. Some policies require that you wait for two years till the full benefit payout can be received by dependents and should the policy holder pass way a significant percent of the premium such as 100 % or above is only paid.  

A policy with accelerate passing away expenses or one which pays out during the lifetime of the policy holder is best.  It should be one that require no tests be taken as this further simplifies the process of getting coverage and does away with the hassle of showing you are healthy enough to get insurance. 

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Does Life Insurance Cover Funeral Expenses?

Does Life Insurance Cover Funeral Expenses?

Life insurance is a must today primarily due to the hectic lifestyle that many people live, which leads to countless health problems. In the event of the main earning family member passing away, the surviving members, young and old have to cope with a difficult situation.

Does Life Insurance Cover Funeral Expenses?
Does Life Insurance Cover Funeral Expenses?

Importance Of Having Life Insurance Today

If there is no life insurance in place they have to take up the money saved behind in the bank, after showing necessary documents which state their legal eligibility to use the funds of the deceased. 

In case a property has to be sold to meet debts, managing such a task take a week, two weeks, a month or two or even six months. What can they do to meet immediate and urgent finances? It is in such situations that final expense life insurance policy proves to be a vital assistance.

When the main earning family member has left behind a life insurance policy, survivors can use money from it to pay off for various debts, rent, school fees and other immediate as well as big financial expenses such as mortgage dues, credit card EMI’s, loans for funeral expenses and small financial loans.

How long does it take for life insurance to pay funeral home?

What they gain from the policy after claims is a lump sum which can be a very huge amount. The time taken for the amount to get realized can be at most one to three months of time.

Once the money is gained, it is like having a regular monthly income, but in a different way.

Furthermore, it is best for the huge amount gained from the life insurance policy to be properly reinvested so that it pays out over a long period of time, giving necessary financial security in an otherwise very difficult situation for loved ones like a dependents like wife, small child, and elderly family members.

Hence, general final expense life insurance takes care of the long term consequences of an earning family member’s passing away.

What About Immediate Final Expenses?

However, what is to be noted is that general life insurance does not cover funeral expenses, which need to be paid right away after the policy holder’s passing away.  It is in this context that a funeral or final expenses policy is needed.

Here the payout happen literally in 48 hours after making claims and the money provided is just enough tot take care of final expenses of the loved one who has passed away.

Some of the many things for which the money can be used to pay for is burial, cremation, casket, flower arrangements, attendees catering etc. Hence, what funeral expenses insurance companies does is that it provides immediate relief for final expenses to loved one and prevents them from taking a loan to meet the same.

Final Expense Insurance Policies

Getting a funeral insurance cover is easy as usually no medical examination is required. Not only can the amount be used to meet immediate funeral expenses but also other financial dues that simply cannot be put off for even a couple of days or a week.

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What Happens When A Family Cannot Afford A Funeral?

What Happens When A Family Cannot Afford A Funeral?

Today costs are rising so it is vital to set aside at least half of your income every month, if you expect to face any difficult situation, wherein you can’t go to work anymore.

Does medicaid help with funeral expenses?

This holds good during your lifetime and also after it. Taking a life insurance policy or a health insurance plan certainly helps to mitigate costs when difficulties arise.

What Happens When A Family Cannot Afford A Funeral?

In case a family earning member is no longer living to provide for the family, a life policy will pay significantly to dependents so that they can manage the rest of their lives. However, there are exceptions to this scenario, wherein a family does not have any money to pay even for the final expenses of a loved one.

What To Do When There Are No Funds To Hold A Funeral?

Typical funeral costs range from $7000 to $10000 and this number is only rising with the ever increasing cost of living. What happens when a family is confronted with situations wherein they are unable to pay for final expenses of a person?

From where can we get emergency funeral funds?

Let’s look at a typical scenario on what happens when a loved one passes away and a funeral has to be held, which is paid by the next of kin and then look into the extreme case in which there is no money to hold one.

Who pays for a funeral if the deceased has no money?

In a typical situation wherein a person ‘with a will’ passes away, it is the executor of their estate who pays for the funeral costs. This applies only when the person who has passed away did not take any funeral insurance. Money can be taken by the ‘will’ executor for funeral costs from savings, checking or investment accounts and even from sale of personal property.

In case the person arranging for the final expenses of the loved one is eligible for a loan, he or she can pay for it using a small cash advance or quick loan.

In such circumstances, do not opt for ash advance from a credit card since it will have a high interest rate It is also possible to collect little bit of money from relatives close by and put all the funds together to make up for the funeral costs with the assurance that the amount will be paid back in the next couple of months.

What to Do When You Can’t Afford a Funeral?

Let take the extreme scenario when the family has literally no money to pay for the expenses. In such a situation, the person managing the loved one passing away should sign a ‘release form’ at the coroner’s office.

This form formally declares that the family has ‘no money’ to pay for the funeral expenses. Once it s signed, it officially declares that the body must be handled by he coroner’s office, who will either bury or cremate it.  A fee may be charged if family members  wish to get their load one’s remains in the form of ashes.

In the event of the body being managed by a funeral home, the next of kin have to pay costs after the funeral and can get reimbursement for the same in case the loved one who has passed away was a War Veteran or meets the criteria for Social Society Death Benefits.

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Ways To Cover The Funeral Expenses So That Dependents Are Not Burdened With High Costs Suddenly 

Ways To Cover The Funeral Expenses So That Dependents Are Not Burdened With High Costs Suddenly

Today, the main problem that everyone is facing in all parts of the world is raising costs. This is applicable to burial and funeral costs as well as they are now manifold and not what they used to be a decade ago. How do you manage such costs and when should you start setting aside amount for such final expenses?

Ways To Cover The Funeral Insurance Costs
Ways To Cover The Funeral Insurance Costs

A Look At The Way To Cover Funeral Costs Through Insurance

The fastest and best solution to pay for final expenses is through senior life insurance. The policy pays out when the policyholder passes away, leaving immediate funds into the hands of the dependents so that they can pay up for such costs as they happens.

Only a small amount has to be paid in the form of a premium every month, but over a period of time a good amount will be built up in the policy, giving quite an amount to the dependents, enough to meet not just burial and funeral expenses but also to take care of themselves after the lifetime of their loved one, pay up debts, unpaid medical bills and much more.

Easy Way to Cover the Costs of a Funeral

Though whole life senior insurance policy is what is most opted, you can always look specifically for burial and final expenses insurance, which builds up money specifically for this purpose. 

Like a while senior life policy, this policy will pay out a lump sum the dependents that covers for not just final expenses but also various other financial obligations.

Other ways

Another way of paying up for final expenses is by setting aside a certain amount of money every moth towards it, when you have crossed the age of 50.

Ensure that the account into which money is out is a joint one as otherwise dependents will not be able to access the funds right away to meet expenses. They will be put into trouble of having to wait for a particular period of time till they can access your money and use it for such emergency purposes.

Emergency Funeral Funds

Those who have been working in the army don’t have to worry about final expenses as they can be buried in the national cemetery free of cost. No need to make payment for vault, market or gravesite as all of this is paid for by the government.

A certain amount of money is paid to survivors so that they can cover funeral expenses. In case the burial does not happen in a national cemetery veteran administration will pay for a burial plot elsewhere.

Open up a POD account in a bank and put money into it on a regular basis.  Give the account a beneficiary, so that in the event of passing away, that person will be able to immediately access finds from the account to pay up for expenses. Through this account grounds are available as soon as the death certificate is presented. gives you a smart ways to cover funeral costs.

Posted in Funeral insurance for seniors, Funeral life insurance Tagged with: , , , ,

An Introspect Into Colonial Penn Life Insurance Policies

An Introspect Into Colonial Penn Life Insurance Policies

Colonial Penn has mainly known for providing guaranteed whole life insurance for people who are fifty years and above.

What people really like about it is that there is no need to take a medical exam for any of its policies, unlike what is seen with other insurance providers. It’s a very financially strong company which means that it can be relied upon to pay insurers for claims.

Colonial Penn Life Insurance Policies Reviews
Colonial Penn Life Insurance Policies Review

Colonial Penn Life Insurance – A Review

It is to be noted that Colonial Penn is a leading life insurance company in the U.S. The key feature of its policies is that they have simple features, high premiums and don’t require medical exam.

If you are looking for an insurance policy that will help to build cash value over a period of time, against which you can even avail a loan, Colonial Penn is what you should be signing up for as its whole and term life plans enable you to do this.  Here is a look at the policies types it offers:

  • Term Life – It can be applied people between ages 18 and 75 and the amount that they can avail is up to $50000. Policy benefits are available up to the age of 90.
  • Whole life – Those who are between ages 40 and 75 can apply for this type and coverage that can be availed is up to $50000.
  • Guaranteed Acceptance Whole Life – This one is available for people between ages 50 and 85 and maximum coverage provided is under $20000.

Why Opt For Colonial Penn Life Insurance?

The benefits of its policies can be availed only after first two years have passed. You can get a lower premium rate provided you are healthy; don’t have any risky lifestyle habits or criminal conviction.

Though there are many insurance companies out there, offering different types of policies, what sets this one apart is the fact that its coverage is only up to $50000.

This implies that it’s the coverage needed by those specifically seeking low life insurance coverage at an affordable cost for their family. Coverage can be obtained in a very short time as just ten minutes. No need to have AAA membership and all non-permanent plans that it offers can be converted.

Now that we know what colonial Penn life insurance covers, you should also be aware of what it does not offer:

  • There is no coverage for children and neither are riders available to add this option to the selected plan
  • There is no additional benefits offered to the policy holder in the event that he or she becomes disabled or needs assisted living
  • No premium waivers is offered, a feature usually seen with other insurance companies, in the event of certain situations

In the event of severe health condition in which the policy holder might pass away within a short period of time, no access to policy benefits are given for even such dire circumstances

In addition to the above, you will find that though online application is possible, certain plans are an exemption to this. The plans offered by this insurance company are available in many locations but not New York.

Posted in Life Insurance Tagged with: ,

Preneed Funeral Insurance – Help Your Dependents Meet Final Expenses With Dignity

Preneed Funeral Expenses – Help Your Dependents Meet Final Expenses With Dignity

When it comes to life insurance policies most people opt for the term life insurance as it is low cost and offers a host of benefits. However, it is to be noted that this type of policy will payout after the term ends and the amount might not be enough to meet pressing financial obligations during senior years of life.

Preneed Funeral Insurance

What can be done in this context? Look into life insurance for seniors as it offers a host of benefits by which their financial obligations can be reduced or eliminated.

Funeral insurance for seniors is of utmost importance as it offers many benefits. At a senior age you certainly don’t want to be burdened with expenses that are beyond your retirement income. Though it, you can rest assured that such problems don’t have to be faced.

It will provide enough compensation to help meet various types of immediate and pressing financial needs in your senior years, either as a payout when the term period is over or as a full compensation to loved ones when the policy holder passes away.

The Pressing Need For Senior Life Insurance

May companies offer burial life insurance which is now being looked into more by people as it specifically targets their funeral and final expenses? Why do you need funeral insurance?

It is to be noted that when a loved one passes away, people depending on that person face a lot of emotional distress. Adding to this is the fact that final expenses have to be paid. Any debts out outstanding bills also have to be settled right way.

Pros and cons of prepaid funeral plans

Such financial difficulties can be removed with burial life insurance which offers enough compensation to meet such expenses. With the policy paying out for such expenses, dependents don’t face any additional stress and they can cope with the situation of having to lose the person they had lived with and depended upon for so many years.

Lincoln heritage funeral advantage Program

This policy type just cover what is says – your funeral expenses over 80 plus age, plus additional money that can be used to settle medical bills and even outstanding loans. You certainly don’t want your dependent spouse to be put into any difficulty after your lifetime.

What if you had to take care of a child with disabilities or special needs at an old age. How would he or she get financial support when you pass away? It is such specific requirements that Lincoln heritage funeral advantage pre-need insurance is necessary. Today, you can buy it in just minutes from various insurance websites that provide it at very affordable costs.

Funereal advantage program is of vital importance in today’s world where, expenses are rising. When you purchase it at the age of 75, at that time burial expenses will be nominal but when you are 95 they would have doubled. Such costs can be effectively met by dependents through payout from the policy.

Posted in Funeral life insurance Tagged with: , ,

Funeral Cover For Grandparents With No Waiting Period

Funeral cover for grandparents with no waiting period

In today’s times of inflation, the cost of everything seems to be increasing, including funerals. A funeral cover policy allows the family of the departed to arrange a respectful send-off to their loved one. Most funeral insurance for seniors covers have a waiting period, some less than the other.

The goal of the insurance company is to make sure that the cover is not being applied when a person is on their death bed, as that would be cheating. However, most companies provide with the immediate cover in case of an accidental death.

Why is Funeral cover with no waiting period important?

Let us face it, death is inevitable, and once you have crossed the age of 50, it is important that you get a funeral cover with no waiting period. This policy will save your family the harassment for arranging a funeral on a tight budget. You do not have to go through any medical tests for availing this policy which is an advantage.

Funeral Cover With No Waiting Period

Funeral Cover With No Waiting Period For Natural Death

Funerals can burn a hole in your pocket

Funerals can be a very expensive affair. From incurring the travel cost of close ones, to booking the church hall to buying a coffin and burial ground, everything is very expensive.

Your loved ones are anyways undergoing traumatic times and dealing with the loss of a beloved, and the last thing they need to fret about is funeral related expenses. Coping with the loss of a family member is anyways difficult, and people don’t want to be burdened with the cumbersome funeral cost. Don’t let you passing away be the cause of someone’s hassle, instead pre-plan everything and get it all arranged in your lifetime.

Why choose a cover with no waiting period?

There are many companies which offer immediate funeral cover. Some of them offer the money within 48 hours of the death. There are some cultures who do not wait for a long time before arranging for a funeral service in South Africa, which is why such a service is important.

Getting such final expenses policy will prove to be a practical decision which your family will be thankful for. A policy which offers immediate relief after the death of the policyholder will help you in making sure that the arrangements are not haphazardly put together, but are well thought out, all thanks to the availability of the funds.

It will allow you peace of mind

A funeral policy over 80 to 85 will allow you peace of mind. You will be assured that your family will not have to face embarrassment because of the lack of funds for your last rites. You can choose from many different policy providers from here

Funeral cover for extended family with no waiting

In fact, you can start an internet search of “funeral cover with no waiting period” and filter your choices depending on the customer feedback and the quote you receive. While filtering the choices go through the clauses and terms and conditions properly to make sure, that there are no loopholes in the contract.

Death is a very sad affair, but the biggest reality of life. Instead of running away from it, be sure to get hold of an effective policy which provides immediate funeral cover.

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