Most of us don't like thinking about our own funerals, but no matter how much we ignore the inevitable, the truth is that when the time comes someone will be responsible for those expenses. The question is will it be our grieving loved ones who foot the bill or will we plan ahead and purchase funeral insurance to cover those costs so they'll have one less concern to worry about.

One thing we do not recommend is Pre-Paying for a Funeral at a Funeral Home. The main reason is that you have to part with that expens right away or withing a fairly short lenght of time if the Funeral Home has a payment plan. Should you die before the Pre-paid funeral is paid-off, usually your family will still owe the Funeral Home and will have to pay it off. You are also tied in to that location, and if you ever move away, it will be very hard if not impossible for you to transfer the plot, ot sell it.

The best solution we have found is to buy a simple, cheap, Whole Life policy that will cover the amount of the Funeral Expense. You can even buy a policy with a guaranteed number of payments (such as 10 or 20 years) after which time it is paid up for life.

Funeral insurance protects your loved ones by covering the costs of the burial and service so they don't have to. Most funeral insurance policies range between $5000 and $20,000 in value and are available to persons of any age, so it never becomes too late to begin making these important arrangements. Funeral insurance provides security and shows those we love that we cared enough about them to plan ahead and to save them from the unnecessary stress of paying for our funeral. But, more than that, funeral insurance can also be used to pay off additional medical costs or other incurred bills so our families will not be hounded by debt collectors at one of the saddest moments of their lives. Funeral insurance benefits are 100% TAX FREE.