Funeral Planning: Avoiding Common Mistakes

Throughout the years, unfortunate and unexpected mishaps have occurred at funerals, creating distressing situations for everyone involved. Caskets have been dropped, families have experienced conflicts, hearses have gone astray, and there have been instances of inappropriate behavior like taking selfies. Today, we want to focus on a crucial mistake that happens even before the funeral takes place: the lack of proper planning.

Importance of Planning

The passing of a loved one often comes as a shock, and with it comes the responsibility of arranging a funeral. Funerals are sensitive topics that are often avoided in discussions. However, this avoidance often leads to a lack of planning.

The absence of planning is the first mistake we highlight because it burdens the grieving family and loved ones with the task of organizing and finalizing the funeral arrangements while they are already coping with the loss.

Dealing with the emotional impact of a death is already immensely challenging. Having to worry about the costs associated with funerals, such as burial expenses, coffin costs, and other related expenses, only adds to the difficulty.

Financial Considerations

In situations where the deceased did not have funeral coverage, the responsibility of covering the costs typically falls on the family. Funerals can be quite expensive, and contributing to these expenses can place families in financially strained situations.

The average funeral costs between $7,000 to $9,000, which is a significant amount for an average family to handle. Unequal contributions, absent family members, and other factors can further intensify tensions during this already emotional time.

Furthermore, the lack of proper funeral coverage means that family members not only mourn the loss of a loved one but also have to bear the financial burden. The combination of grief and financial stress can amplify the already heightened emotions among family and friends.

Time Constraints

With proper funeral coverage, the insurance provider typically processes and approves the claim within 48 hours. This enables a smoother and faster funeral process without unnecessary delays.

However, when a person does not have funeral coverage, the costs can only be covered once the family members have collected enough money, which often takes longer to sort out. This can lead to delays, inaccuracies, and complications depending on the circumstances within the family.

As time passes, the costs tend to increase, compounding the financial strain on the family. This situation can be financially burdensome and leave everyone involved feeling frustrated.

Prevention

While the aforementioned funeral mistakes occur frequently, it doesn’t mean they have to happen to you. Funeral insurance offers an excellent and affordable way for families to avoid these mistakes before they arise.

By securing funeral insurance, you can plan ahead, ensuring that when the time comes, your family won’t have to rely on contributions from each other or potentially incur debt.

Most funeral insurance policies provide payouts within 48 hours, or even less, ensuring a seamless and timely funeral process without the risk of heightened tensions among family members. Additionally, many policies allow for coverage to be taken out on behalf of someone else, ensuring protection even if they cannot afford it themselves.

Finally, by selecting the right funeral policy, you can eliminate the possibility of your family members falling into debt after your passing. As mentioned earlier, funerals can be costly, and if families are unable to cover the expenses collectively, debt often becomes the only option.

With the appropriate coverage, you can prevent these mistakes from occurring.

Contact our team of insurance experts today to guide you in choosing the right coverage for you, your family, and your budget.