Direct Burial
Burial Insurance - Advice From a Licensed Funeral Director
As a funeral director I’m often asked by the public, “do I need burial insurance?” My stock reply is the usual, “that depends.” I’m not trying to be insensitive or cute with my answer, but the truth is that it does depend on several factors in my opinion, but two most importantly.
I believe two of the most important factors are to consider who will make your final plans first, then how will those plans be funded? Simple questions yes, but among those most of us fail to ask ourselves or give serious thought to.
Choosing a person to handle yourfinal arrangements can be done in reality by doing nothing at all. At your death in most states, lineage will decide who will have right of disposition. If no legal descendants are available to handle this duty most counties, townships and/or states will step in and have the final disposition done. This will usually be a direct burial or cremation as determined by the government body handling it. I recommend avoiding this possibility by selecting a family member or friend to entrust with this duty and to make sure they have the legal documents necessary to abide by your wishes. Also, be sure your chosen administrators will have access to final expense funds. Many problems can be avoided by making sure of this one thing. Tip: Burial insurance will in most cases let you designate the beneficiary. This allows you to make sure specific funeral and burial expense funds are in the control of your chosen administrator.
Secondly, give thought to the funding aspect of your final arrangements. Are you satisfied with your current funding (insurance, savings, etc.) to be sufficient and available when that time comes? Is it possible your current insurance might be needed to settle other expenses such as medical bills, estate taxes, etc.? Are you comfortable that your current insurance or savings will keep pace with funeral inflation costs? If you answered no to any of these questions, then you may want to consider additional insurance specifically for your final expenses. Tip: Burial insurance policies can be issued in small amounts to subsidize your existing insurance or larger amounts to cover total funeral and burial costs. In many cases it is also easier to qualify for in older age groups.
Does everyone need burial insurance? Certainly not, but as a funeral director I can tell you that many families I’ve assisted were able to honor a loved one’s wishes only because that person had a burial insurance policy in force at the time of their death.
Take a few minutes and give this some thought. The attention and consideration you give these matters now will make a tremendous difference for those who eventually will do your final planning.
About the Author
Jerry R. Guy is an active licensed funeral director and author. More information on how to save money making funeral arrangements can be found at his sites: http://www.beforeplanningafuneral.com and http://www.integritypreneedsolutions.com
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Cremation The History of Direct Crematon
Although it is a common belief that the first cremation funerals were performed in the Middle East and Europe around 3000 BC, there is evidence that the practice of cremating human bodies actually started very much earlier. The cremains of the Mungo Lady were found in Lake Mungo, Australia in the year 1969, and it clearly showed that human beings had started burning up the bodies of their departed loved ones some 20,000 years ago.
However, the discovery of Mungo Lady was too singular for historians to ascertain that cremation was actually widely practiced among the early inhabitants of Australia. On the other hand, elaborately decorated pottery cremation urns that were found in Russia showed that the Slavic population had been quite advanced in the practice of cremation around the time of the Stone Age. Later on, from around 2500 BC to 1000 BC, the people in the British Isles started to embrace cremation, and the practice spread to other European countries, such as Hungary and Italy. Cremation was introduced in Greece around 1000 BC. During the time of Homer, around 800 BC, the country was ravaged by war, and cremation became a most convenient way to dispose of the bodies of slain soldiers.
After the Greeks, the Romans were the next major civilization to practice cremation. Cremation became so popular among the Romans that the government issued a decree to prohibit the practice within the limits of the city. The Romans continued to cremate the bodies of their deceased loved ones until the end of the Roman Empire, using finely-crafted urns to store the cremated remains of their departed loved ones and keeping them in buildings with columbarium niches.
Although cremation was widely practiced during the time of the Roman Empire, it was regarded as a paganistic ritual by the Christians and Jews. When the Christianization of Europe came about around 400 BC, people throughout the continent were not allowed to cremate the bodies of their deceased loved ones. Instead, burial became the only option for them, and they did not practice cremation for the next 1,500 years, except for times when wars or plagues broke out.
The birth of modern cremation took place when Brunetti, a professor from Italy, exhibited his model of a cremation chamber in Vienna in the year 1873. One of the people who saw the model was Sir Henry Thompson, surgeon to Queen Victoria. Thompson was so impressed with Brunetti’s model that he started the Cremation Society of England the following year. In 1878, the first crematory in England was established in the town of Woking.
The practice of cremation in the United States officially started in 1876 when Dr. Julius LeMoyne set up the country’s first crematory in Washington, Pennsylvania. Within the next decade or two, crematories were being opened in major cities around the country, including Los Angeles, New York, Detroit, Buffalo, and Cincinnati. The Cremation Association of America was established by Dr. Hugo Erichsen in 1913, but it changed its name to the Cremation Association of North America in 1975. By 2000, the number of crematories in the United States had increased to more than 1,500, and approximately 600,000 cremations were performed in that year alone.
About the Author
Established in 2002; we are a non-denominational firm providing a variety of options for Cremation merchandise, and services to families of all ages, creeds, and ethnic backgrounds.Call us toll free @ 1-877-989-9090.