Cost is important, but it’s not the whole story. Take a look at the premium, the amount you will pay each month, how long will you pay that amount? It is not uncommon to pay until you are 100 or even older. Will you be able to pay that amount each month as you age? What if you live to be 100? Will the benefit stay in place? How much will you have paid in by that time? It’s not unheard of for people to end up paying more than they will receive in death benefits.   

Look at the coverage. How much will be paid on your death? Most policies are for a fixed amount your family will receive when you die. This is the death benefit. How soon will you be covered for the full amount? Sometimes you will need to make payments for as long as two years before you would be eligible for the full death benefit. Often the death benefit stays the same over the course of your lifetime. So, as you age and the price of funerals increases, your policy is at risk of falling short and not providing your family with enough to cover the cost of your funeral.   

Before you sign anything, call your local funeral home. Ask for an appointment with the funeral professional who takes care of advance funeral planning. When you meet with this individual be straight forward. Share your financial situation. See what the funeral home has to offer.   

Most of the time the funeral home’s funding program is a little more per month but you make payments for a much shorter period of time. So, you pay much less in the long run. If you are in good health you will most likely be covered as soon as the policy is issued. Some funeral homes even offer a cost guarantee which means you have no worries about the rising cost of funerals.  

It’s always worth the extra time to be sure you are getting the best final expense coverage you can afford. The one that will really be there for your family when it’s needed.

Football, the American kind played with a spheroid shaped ball called a pig skin, is the be all end all Fall activity for millions of Americans.

Fans purchase large screen televisions just to watch the game. Others set up multiple televisions in their game day viewing rooms. All manner of hats, shirts, blankets, sweaters, jackets, mugs, and glasses in team colors are sold each year. Added to the dollars spent on equipment and tickets to events, it all adds up to $100 billion spent each year by fans. Football fans are mighty in number.

It’s no surprise then when a fan dies and the family is putting together a funeral or memorial service, thoughts turn to how to incorporate the football passion in the service in a tasteful manner.

This is a great idea. One of the most important benefits of a funeral service is having the opportunity to gather with others who knew and loved this person and reflect on the good times had together. Why not include something he or she enjoyed?

So, talk to your funeral director. Ask for ideas. There are caskets and urns that are made for fans. A team blanket can be draped over the casket or the person. Don’t forget the music. Ask about having the team song or alma mater played at some point in the service. Consider printing the words to the song in the program so everyone can remember their friend and sing together. 

Think beyond the things you can bring in or wear and ask the eulogist to share some of the stories that make you laugh. You know, the time the car was loaded with the entire family and they drove three hours to the game only to realize when they got there the tickets were left on the table at home. Share the story of the fabulous tailgate or the terrible tailgate, freezing in the cold, or getting soaked in the rain, or losing the car in the parking lot. There are bound to be stories. Talk about how much friends and family enjoyed sharing the football passion with the person who died. 

It all pulls people closer to the one they loved. Remembering the life, not just the cause of the loss, is the beginning of learning to live with the loss.