Funding Your Own Funeral

Monica says she is curious about finding quotes for funeral insurance.  Do you know where to find quotes for funeral insurance?  It is as easy as opening the phone book.

Most major insurance companies offer funeral insurance so getting quotes for funeral insurance is no problem at all.  Just go through the phone book and find either a specific insurance company you might wish to deal with or call an insurance agent that will give you a list of companies along with comparisons of their policies.  Be careful with agents as often you could have gotten the same policy directly from the company for less money.  Agents are useful as a time saver though.

Once you have picked a few companies to get quotes for funeral insurance from, you need to start calling around.  Find out what exactly they cover.  Do they cover urns but not caskets?  Do they cover military funerals but not civilian?  These are very important questions to find the answers to before you agree to an insurance policy.  So make sure you have a list of questions and wants ready to find out if an insurance policy will work for you.  If you ever feel the policy is not the right policy for your needs, just hang up the phone.  You are not obligated to purchase anything until you have signed the contract.

It is also important to not just jump into a policy with the first company you call.  They may offer you what seems a great deal but the next company on the list may have a superior plan at similar cost.  A cheap policy should not be the only criteria for getting quotes for funeral insurance though it certainly is a factor in the decision.  

Finally, find out if the policy is structured to account for raises in prices and if the policy has any cancellation penalties.  You do not want to get stuck with a policy that will not pay nearly enough for your desired funeral arrangements should you still live another ten years.  You also do not want a policy with severe penalties for cancellation.

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