You may be thinking....
I DON'T CARE WHAT HAPPENS TO ME AFTER I'M DEAD
You may not care, but your family will have to. You'll be making your family's job much harder than it has to be. Because when a person dies without funeral plans, someone in the family someone who may not be aware of your wishes - decides what kind of funeral you'll have and where you'll be buried. And when there's a death in the family, decisions tend to be colored by grief, not governed by reason. There are some questions only you can answer. Some of those questions have to do with money. How much of your estate do you want to go toward your funeral? What kind of casket would you choose? How much do you want to be spent for flowers? Limousines? Some of these questions have to do with personal choices. You choose your pallbearers. You choose the music to be played.
So, even if making arrangements for your funeral is not high on the list of things you want to do, making decisions now will lighten your family's problems later. Anyway, what you are really saying is that you don't want to think about your death.
MY INSURANCE WILL TAKE CARE OF EVERYTHING
No, it won't. No insurance policy tells your family how to plan your funeral, which funeral director to choose, or how much to pay for your funeral. Insurance only provides money, financial security for your heirs. Your family will still be faced with decisions you could have made with them.
If you use Foolish Reason #3 as an excuse, your family may make an emotion-laden decision that won't be in their best interests, and your insurance benefits may not go toward the purposes you in tended -a child's education, a widow's security. Sometimes, too, an insurance policy has to be cashed in because of financial need, especially when a person lives to a ripe old age. You deserve the peace of mind that comes from having your funeral expenses taken care of.
MY CHILDREN | BROTHER UNCLE | FRIEND | LAWYER WILL TAKE CARE OF EVERYTHING WHEN THE TIME COMES
How fortunate you are to have close friends and family who will help make decisions when you are no longer there. And there will be many decisions to make, many reasons for your spouse to call on the expert advice of loving friends. But you can make this decision with none of the pressures that occur when there is a death in the family. And do you really want your children, that trusted friend or favorite brother-in-law to make a decision that you should make? Get the facts, learn the alternatives, educate yourself - be in charge. It's not wise to depend on other people.
I WANT TO BE CREMATED
Probably, there's a note in your will that states your desire to be cremated. The trouble is that wills aren't generally read until long after the funeral takes place. Then, it's too late for your wishes to be carried out. You guarantee that you get what you want by making your own arrangements. You're the decision maker.
MY FAMILY KNOWS MY WISHES
Perhaps you have talked to your family in passing or in jest about the kind of funeral you'd like, but do they really know your wishes? Most of us handle discussions about death by joking or changing the subject, and families are, therefore, unprepared when they walk into the funeral home to make arrangements. And they're overwhelmed. Our years of experience with families convince us that it is more considerate, as well as more economical, to make your own funeral arrangements in advance. Loving family members are sometimes so moved by emotion that they spend more than you would have wanted or less than you deserve.
I AM A VETERAN. THE GOVERNMENT WILL TAKE CARE OF ME
If you are on active military duty at the time of your death, the government will take care of your funeral expenses. If you are a veteran NOT on active military duty, the government provides a small allowance toward the cost of your funeral 1f you die in a VA hospital or have a VA pension. And claim processing takes time. Your family will still have to make arrangements. All funeral arrangements and costs must still be handled by the family at a time when the family is moved by emotion, not reason.
I NEED TO KNOW MORE ABOUT THIS, ESPECIALLY THE FINANCIAL PART
We'd welcome the opportunity to answer your questions and to give you information you need, information that will help you make an intelligent, unhurried decision, information that will help you make a purchase that's right for you and your family.