Good review of something that may be of benefit for some folks. But another suggestion -- if you are interested in helping science and want to be cremated, check out the Anatomy Gifts Registry (anatomygifts.org), a non-profit that will accept your body, use it to support scientific research, cremate what remains after the science and either dispose of the ashes or ship them back to your family for the cost of UPS shipping. No other costs to you. My parents were both registered, as am I. When my father died, they had a local undertaker pick up the body (dad died in home hospice) and take care of the local legal stuff. About 2 months after dad died, we were contacted and paid about $20 to have the ashes shipped to us. Mom died during covid so Anatomy Gifts wasn't taking bodies so I went online in NC and found a local undertaker who would do a simple cremation for about $400. They picked up the body from the hospital, dealt with the legal matters and I picked up a box a few days later.
My brother and I and some friends then took a trip to New Orleans to scatter their ashes in City Park, eat good food, listen to music and celebrate their lives.
So interesting! I never heard of such a policy. I guess it can make sense. A close friend in her 80s recently decided to pre-plan her funeral & burial. To her utter dismay, she found she couldn't afford a basic funeral or to be buried near her parents. This kind of policy, purchased when she was younger, might have helped.
I know very little about final expenses insurance, but I suspect it is an uneconomical product. After commissions, advertising, and admin expenses, there can't be much money left for the insurance company to actually pay claims.
Life insurance is such a minefield. 🤦♀️ An industry that is that established should really review its position and practices if not daily then yearly. I’m always surprised whenever I hear things people say about their experience with life insurance. What you shared here doesn’t surprise me. But that’s a problem in and of itself I think. Thank you for sharing this, Don.
I guess using a nebulizer suggests your time on the top side of the ground is sharply limited.
Good review of something that may be of benefit for some folks. But another suggestion -- if you are interested in helping science and want to be cremated, check out the Anatomy Gifts Registry (anatomygifts.org), a non-profit that will accept your body, use it to support scientific research, cremate what remains after the science and either dispose of the ashes or ship them back to your family for the cost of UPS shipping. No other costs to you. My parents were both registered, as am I. When my father died, they had a local undertaker pick up the body (dad died in home hospice) and take care of the local legal stuff. About 2 months after dad died, we were contacted and paid about $20 to have the ashes shipped to us. Mom died during covid so Anatomy Gifts wasn't taking bodies so I went online in NC and found a local undertaker who would do a simple cremation for about $400. They picked up the body from the hospital, dealt with the legal matters and I picked up a box a few days later.
My brother and I and some friends then took a trip to New Orleans to scatter their ashes in City Park, eat good food, listen to music and celebrate their lives.
So interesting! I never heard of such a policy. I guess it can make sense. A close friend in her 80s recently decided to pre-plan her funeral & burial. To her utter dismay, she found she couldn't afford a basic funeral or to be buried near her parents. This kind of policy, purchased when she was younger, might have helped.
I know very little about final expenses insurance, but I suspect it is an uneconomical product. After commissions, advertising, and admin expenses, there can't be much money left for the insurance company to actually pay claims.
Life insurance is such a minefield. 🤦♀️ An industry that is that established should really review its position and practices if not daily then yearly. I’m always surprised whenever I hear things people say about their experience with life insurance. What you shared here doesn’t surprise me. But that’s a problem in and of itself I think. Thank you for sharing this, Don.
I’m still not sure why they declined you?
Thanks so much for your comments, Thalia!