Few surprises are as unpleasant as the exorbitant price of burial costs and miscellaneous other final expenses. Although many individuals have life insurance of some type, many of these policies are outdated and may not in fact provide enough coverage. Small face amount insurances that may have been adequate several years ago are probably not going to fully cover the cost of today's expenses. A consumer must understand what is included in burial costs and final expenses in order to correctly determine the appropriate amount of protection necessary. Funeral home expenses are derived from a variety of different services and some may be optional, but most are fairly standard. Transfer costs from the morgue to the funeral home are typically $200-300 and after this first step the really expensive items can begin. Caskets widely vary in cost with most ranging from $2,000-5,000. Preparation of the body is often expensive, but also depends on the options selected. Typical professional charges will normally add up to $1,000 or more and this typically doesn't include the actual funeral service. Burial costs are another major expense and are something that many people simply leave out of their planning. Although a cemetery plot is normally pre-purchased at a cost of $1,000-2,000, there are also fees for the opening and closing of the grave. Special ceremonies are an additional cost and so are headstones and their engravings. Burial costs normally conservatively add up to about $3,000-5,000. When everything is added together, most funeral home and burial expenses total up to a staggering $6,000 to $15,000. Not many consumers are prepared to spend this much, especially if the death was sudden or unexpected. Many individuals believe that Social Security pays a death benefit to help cover funeral costs, but the fact of the matter is that the amount is $255 and will only be paid if there is a surviving spouse. Other organizations, such as the Veterans Administration, will pay a little bit more at approximately $450. It is blatantly obvious that these small numbers will not even make a dent in the total costs, so it is imperative that an individual take the necessary steps as soon as possible. Life insurance programs become more expensive and have more limitations as the client grows older, so procrastination can be costly. The good news is that there are many different options and programs available and most are surprisingly affordable.
All dog lovers love their dogs, right? I know the vast majority do, but if that is true why do so few insure their dog? I believe the main reason is we just do not think about it. Life is busy and there are so many more important things to think about, right? Well, the truth is NOT having you dog insured is something to worry about and definitely something that has the potential to complicate your life. First misconception about dog insurance: It costs too much, I can't afford it. A strong case can be made that you cannot afford to NOT have it. You can get an accident policy for as little as $10 per month. A typical policy like this would have a low deductible, probably around $50. There is usually no waiting period and no surcharges for specific breeds. What is typically covered in an accident policy? Motor Vehicle Accident Bone Fractures Lacerations Burns Allergies to insect bites Accidental Death An accident policy usually tops out at $2000 coverage. The accidents listed above are all pretty common. Would you have the $2000 tomorrow if your dog needed treatment? The next level of coverage is usually a more complete type dog insurance. This will typically cost around $50 per month, and there may be surcharges for some breeds. The coverage amount will be higher, usually around $5000 for accident or illness. This plan would have a deductible of around $100. This type of policy would cover all the same things as the accident plan, plus: Wellness Plan - vaccinations, spay, neuter, heartworm testing, teeth cleaning Boarding should your pet need it for medical reasons Recovery - A reward you can pay if your pet gets lost Euthanasia Finally, there is a top level plan available from most pet insurance companies. Ironically, this plan is much more affordable that the previous plan. The reason is because although this type of plan is cheaper per month and usually covers everything the previous plans did, the coverage amount for some categories will be less. The deductible is still around $100. For around $25 per month, your dog can have total coverage, but your limits might be $3000 for certain things rather than $5000. Other benefits are usually things like: Unlimited Accidents Any Illness with no maximum coverage amount I hope you know more about dog insurance now than you did before reading this article. The point of it is that there is cheap dog insurance available and we all need to take advantage of it. If your dog was injured tomorrow, and it was going to cost a few thousand dollars to get him the treatment he needed, are you prepared to pay it? If so then perhaps you do not need dog insurance. But in most cases, if we are being honest, people do not have thousands of dollars laying around just in case something happens. Why not pay a small monthly amount and be able to take care of the dog you love?
When it comes to health, nothing should be compromised. This is why it's important for one to have a medical insurance plan to rely on just in case things turn for the worse. This is all the more important for growing families who may not always have cash in case an emergency happens. To be sure that everybody gets the right medical attention when and where it's needed, it's always essential for an individual to secure for himself and the whole family a medical insurance plan so that all needs will be met. Basically, what one enjoys out of buying a policy is the peace of knowing that in case anything happens, everyone and everything will be properly taken care of. There are many insurance agents out there offering many different plans for many different individuals and income brackets. Before you jump at anything that sounds attractive, it is important to first have a good grasp of what you're getting into. First of all, you need to understand how a policy is laid out. It is also wise to look into the different types of plans that suit your specific circumstances. Different people need different types of health plans. Aside from this, financial issues are also major which means no plan is good for everyone. A very important consideration you should make is affordability of the plan you're planning to get. It may sound like the best plan for you and your family, but if it's way beyond your financial capacity, it may only become a burden in the long run. An expert in these things is someone you should come to for assistance. Missouri insurance agents can can give you a good idea of the policy that you and your family could have the most use of. Getting an insurance policy is not something you should entrust fully to your instincts, unless you yourself are adequately knowledgeable about the matter. It takes someone with expertise to be able to advise you on which policies you might wisely consider for yourself and the family.
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