Burial Benefits

It’s one of the most important conversations you’ll ever have

•

Chris

✅ 1. Talk to Your Parent(s) About Their Wishes

This can feel uncomfortable—but it’s one of the most important conversations you’ll ever have. Ask:

  • Do they want a burial or cremation?
  • Do they have a preferred funeral home or cemetery?
  • Have they made any plans or bought any insurance?
  • Where are their important documents stored?

💬 Tip: Say, “I want to make sure I honor your wishes and protect the family from any financial burden.”

✅ 2. Find Out If They Have Any Coverage

Ask them if they already have:

  • Final expense insurance
  • Prepaid funeral plan
  • Life insurance with funeral coverage
  • Savings set aside specifically for end-of-life expenses

If the answer is no or “I’m not sure,” don’t wait—this is the time to act.

✅ 3. Consider Final Expense Insurance

Final expense insurance (also called burial insurance) is one of the most affordable and reliable ways to cover the cost of a funeral. Most plans offer $10,000 to $40,000 in coverage and are available for seniors up to age 85.

Why it’s ideal:

  • No medical exam (in many cases)
  • Monthly premiums as low as $30–$80 depending on age
  • Fast payout to you as the beneficiary
  • Specifically designed to cover funeral and burial costs

🛑 WARNING: The older your parent is, the more expensive it gets. If they’re in poor health, they may not qualify for better rates later. Start now.

✅ 4. Avoid Relying on Personal Savings

If you plan to cover funeral costs yourself, be prepared to pay $10,000–$15,000 or more. Many families end up:

  • Putting the funeral on credit cards
  • Taking out personal loans
  • Starting a GoFundMe to ask for help
  • Delaying the funeral because they can’t afford it

🎯 Planning now means you’ll never be in that position.

✅ 5. Get the Legal & Financial Documents in Order

Make sure your parent has:

  • A will or trust
  • A designated power of attorney
  • Clear beneficiaries on life insurance, bank accounts, and retirement funds
  • A folder or file with all key documents in one place

Let someone you trust know where to find everything. Time is critical when someone passes.

✅ 6. Make a Simple Funeral Plan Now

Even if it’s just a list, write down:

  • Burial or cremation preference
  • Type of service (religious, military, private, etc.)
  • Funeral home, cemetery, or crematorium preferences
  • Contacts for clergy, friends, or family they want involved

Having this plan in place will prevent confusion—and overspending—when the time comes.

⚠️ FINAL WORD: Don’t Wait Until It’s Too Late

Too many families are left with grief, stress, and $10,000 in debt just days after a parent passes. Don’t be one of them. You can take action right now to prepare:

Your To-Do List:

  1. ✅ Talk to your parent about their wishes
  2. ✅ Ask if they have funeral insurance or savings
  3. ✅ Get quotes for final expense insurance if needed
  4. ✅ Organize all key documents
  5. ✅ Create a written plan you can follow later

You only have one chance to do this right.
 Protect your peace of mind. Protect your finances.
Start today.