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Cremation and Funeral Services

The human cremation process is an ancient practice.
Over time, it has become an increasingly viable alternative for many families.
Whether because of fulfilling a loved one’s wishes, greater freedom to say goodbye to that person, or even ecological issues.
In addition to reducing environmental impacts, cremation is a more economical option than in pits.
However, despite the advantages that the practice offers, there is still a lot of prejudice, misinformation and even fear about the rite of cremating bodies.
Especially on the part of some religions.

Cremation and Funeral Ancient Practices

Some civilizations since 1000 BC already used this practice as a funeral ritual.

The Greeks and later the Romans also practiced cremation on their dead.

The meaning of cremation was already, at that time, an important gesture of offering a “dignified” destiny to the dead.

However, issues related to cremation, its origin, and practical applications still generate some confusion.

Cremation costs

Whether tree burial, aerial burial, or burial at sea for all these forms of urn burial.

The company add the costs of cremation to the burial costs. On average, these are between $4000 to $7000, although there may be deviations.

The cost of cremation and cost of funeral can vary from region to region or depend on whether a private or communal crematorium is commissioned with the cremation

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What happens at a cremation service?

A cremation service is a ceremony to honor and celebrate the life of a loved one who has passed away. Here is what typically happens at a cremation service:

Gathering and Seating

Guests arrive at the service location and are seated in a designated area. The service may take place in a funeral home, chapel, or other location.

Welcome and Introduction

A funeral director or other designated person welcomes guests and introduces the service. They may offer comfort and support to the family.

Readings and Reflections

Family members and friends may offer readings, poems, or other reflections to honor the life of the person who has passed away. They may also share memories or stories about the person.

Music

Music may be played during the service, live or recorded. It may be chosen to reflect the personality or preferences of the deceased.

Video or Slideshow

A video or slideshow may be shown during the service, featuring photos and memories of the deceased.

Reception

After the service, guests may gather for a reception to share food and memories. This is a time to offer condolences to the family and support one another in their grief.

Types Of Cremation And Funeral Services

Long Term Care Insurance is simply an insurance policy obtained by a senior citizen. Or the senior can get the policy on on their care’s behalf.

Traditional Funeral Service

A traditional funeral service typically involves embalming, viewing or visitation, a formal funeral ceremony, and burial or cremation. This service may be held in a church or funeral home and include music, readings, and eulogies.

Direct Cremation

Direct cremation is a simple and cost-effective option where the body is cremated shortly after death without a viewing or formal ceremony. The cremation ashes are then returned to the family.

Memorial Service

A memorial service can be held after cremation or burial and celebrates the person’s life. It may include music, readings, and eulogies, and the cremation ashes may be presented in an urn.

Green or Natural Burial

A green or natural burial is an eco-friendly option that involves burying the body without embalming or using a traditional casket. The body is placed in a biodegradable container or shroud and buried in a natural setting.

Veteran’s Funeral Services

Veterans are entitled to certain funeral benefits, including burial in a national cemetery, a flag-draped casket, and military honors.

Online Funeral Services

Some funeral homes offer online funeral services that allow family and friends to participate in a service remotely. This may include a virtual memorial service or a live stream of the funeral service.

What does Accidental death insurance for seniors cover?

Accidental death insurance for seniors is a type of life insurance that provides a death benefit if the insured person dies in an accident. Here’s what it covers:

Accidental death: Accidental death insurance provides coverage if the insured person dies in an accident, such as a car accident, falls, or drowning.
Dismemberment: Some accidental death insurance policies also provide coverage if the insured person loses a limb, sight, or hearing due to an accident.
Disability: Some accidental death insurance policies also provide coverage if the insured person becomes disabled as a result of an accident, such as being unable to work due to an injury.
No medical exam required: The policy typically does not require a medical exam, making it an easier option for older individuals with health issues.

It’s important to note that the policy typically only covers accidental deaths, not natural deaths. It’s also important to carefully review the policy details and limitations before purchasing a policy to ensure it meets your specific needs.

How does cremation insurance work?

Cremation insurance, also known as final expense insurance or burial insurance, is a type of life insurance policy designed to cover cremation costs and related expenses. Here’s how it works:

Purchase a Policy: To obtain cremation insurance, you’ll need to purchase a policy from a life insurance provider. You may be asked to answer health questions or undergo a medical exam to determine your eligibility.
Choose a Benefit Amount: You’ll need to choose a benefit amount that covers the cost of cremation and related expenses. This may include the cost of an urn, a memorial service, and other final expenses.
Pay Premiums: Like other types of life insurance policies, cremation insurance requires you to pay premiums regularly, such as monthly or annually. Premiums may be fixed or increase as you age.
Designate a Beneficiary: You’ll need to designate a beneficiary who will receive the benefit amount upon your death. This may be a family member, friend, or a funeral home.
Use the Benefit Amount: After your death, the beneficiary can utilize the benefit amount to cover cremation costs and related expenses. Any remaining funds can be used as the beneficiary sees fit.

How to get cremation and funeral services

Choose a Provider: Research providers in your area and consider factors such as price, reputation, and services.
Determine Your Needs: Decide what type of service you want, such as a cremation or a traditional funeral, and what additional services you may need, such as transportation or a memorial service.
Plan the Service: Work with the provider to plan the service, including the date, time, and location They can help you with the details, such as choosing an urn or casket, selecting music or readings, and arranging flowers.
Arrange payment: Determine how you will pay for the services. You may be able to pay upfront or arrange a payment plan.
Attend the Service: On the day of the service, arrive on time and follow any instructions provided by the provider. This may include a dress code, parking information, and other details.
Receive the cremation Ashes: If you have chosen cremation, the provider will return the cremation ashes to you in an urn or other container. You may keep the cremation ashes or scatter them in a special location.

It’s important to choose a reputable provider and ask any questions you may have about the process. They can guide you through the steps and ensure that the service is carried out with care and respect.

Benefits and drawbacks of cremation insurance

Benefits

Financial Security: Cremation insurance provides financial security and peace of mind knowing that your final expenses will be covered, and your loved ones will not have to bear the financial burden.
Flexible: Cremation insurance policies are generally flexible and can be customized to fit your needs and budget. You can choose the coverage amount that suits your needs, and premiums are affordable.
Easy to Obtain: Cremation insurance is relatively easy to obtain, and you may not need to undergo a medical exam or answer health questions to qualify for coverage.
No Restrictions on Fund Use: The benefit amount received from cremation insurance can be used by your beneficiary for any purpose, not just for cremation expenses. This gives them the flexibility to use the funds as they see fit.
Guaranteed Benefit: Most cremation insurance policies come with a guaranteed benefit amount, which means your beneficiaries will receive the full benefit amount upon your death.

Drawbacks

Limited Coverage: Cremation insurance policies typically provide limited coverage, and the benefit amount may not be enough to cover all final expenses, including medical bills or debts.
Age Limits: Cremation insurance policies may have age limits, which means they may not be available or affordable for seniors over a certain age.
No Cash Surrender Value: Unlike other types of life insurance policies, cremation insurance policies do not have a cash surrender value. This means that you cannot borrow or withdraw funds from the policy.
Limited Provider Choices: Cremation insurance policies may limit the choice of funeral homes or cremation providers that your beneficiary can use to carry out your final wishes.
Policy Exclusions: Cremation insurance policies may have exclusions, such as suicide or death from a pre-existing medical condition, which may limit or invalidate the benefit amount.

Protect Your Family and Secure Your Future

Get the insurance and secure your family’s financial needs. Save your money by shopping from the most trusted insurance providers