While it isn’t the most glamorous topic, it’s worth thinking through the services involved in final arrangements and making sure you have enough life insurance to cover those expenses.

Disposition and Care

Whether you prefer cremation, a traditional burial, or an alternative option, it’s important to ensure this cost is covered first. Not all options are priced the same; cremation is typically the most affordable. If you choose a traditional burial, costs will include purchasing a casket and, if you’d like an open casket viewing, professional preparation to ensure your loved one looks presentable.

Memorial Services

A memorial service is standard practice, regardless of which burial option is chosen. This may include a ceremony in the funeral home’s sanctuary as well as any graveside services. Depending on your preferences, you’ll also want to budget for officiants or clergy who may speak at the service, as well as musicians, printed programs, and other elements you’d like included.

Covering Your Resting Place

If you’ve chosen a traditional burial, expect a fee for purchasing a plot in a cemetery, mausoleum, or columbarium. If you’ve already begun paying toward a resting place, be sure any outstanding balance is accounted for and, ideally, fully secured before finalizing your life insurance policy.

Getting life insurance is an important step, and one that many residents in the Rochester, MN, area have already taken. If you’re nearby and need to secure your own policy, contact us at Safechoice Insurance Agency, and we’ll help you find one that meets all your needs.

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