Burial Insurance – Protecting Your Loved Ones From Unexpected Costs

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Burial insurance, also known as final expense insurance, provides funds to help cover funeral expenses. It’s a type of whole life insurance policy that doesn’t require a medical exam and many A-rated companies offer it.

Work with an independent agent that can compare burial policies from multiple companies to find the best policy at the lowest cost. Avoid captive agents, which sell only their own company’s policies. Check out Burial Insurance With No Waiting Period near you.

burial insurance

Final Expenses

Burial insurance, also known as final expense or funeral insurance, sets aside funds to help your family pay for the cost of a funeral and burial or cremation services. It can also help cover other related expenses, like obituary notices, transportation, catering, flowers, and a headstone and burial plot. These costs can add up quickly and leave loved ones with a financial burden after your death. Burial insurance may be a more affordable option than purchasing a separate life insurance policy to cover the same expenses.

These policies can be found from a variety of providers and are typically whole life insurance plans that offer simplified issue, meaning they don’t require a medical exam or health history to qualify. Some plans allow you to lock in prices for your funeral home, casket or urn, and flowers. These types of plans also often come with a choice of payment options that can be paid monthly or annually.

A major difference between burial insurance and other forms of life insurance is that it’s specifically designed to cover end-of-life expenses, such as burial and funeral costs, which are one-time or short-term expenses. However, a death benefit from a burial insurance policy can be used by your beneficiaries to pay off other debts you have or for any other expenses they choose.

You can find a wide range of policies from different companies, and each plan has its own unique set of features. It’s important to shop around to compare prices, coverage amounts, and terms. In addition, be sure to check out the company’s financial strength rating to make sure it’s reliable. Then, you can determine which one will work best for your specific circumstances. Buying a burial insurance plan is much like shopping for a car; every policy will have its own fine print, but you can find a good fit with a little research. When you’re ready to start shopping, we recommend finding a local agent to assist you. They’ll be able to answer any questions you have about your burial insurance options and guide you through the process.

Funeral Expenses

Some people find themselves with a financial burden after the death of a loved one, and funeral expenses can add up quickly. Burial insurance (also known as final expense insurance) helps alleviate this problem by setting aside funds for burial costs.

It’s similar to whole life insurance and may be available without a medical exam, depending on the type of policy you select. A life insurance marketplace, reports that premiums for burial insurance start at $53 per month for 50-70-year-olds with coverage from $5,000 to $35,000. Another life insurance company notes that its rates range from $12 to $193 each month, depending on age, gender, health conditions, and the amount of coverage desired.

Burial insurance can be purchased in addition to other whole life insurance policies or as a stand-alone product. It is important to note that a life insurance company that sells burial insurance must have adequate capital and reserves to pay claims. It also must have a good track record, as measured by customer satisfaction. A consumer-driven research organization, analyzes complaints filed with state insurance departments to identify top-rated insurers for auto, home (including renters and condo), and life insurance policies.

There are also government organizations that work to provide relief for those facing funeral costs after a loved one’s death. For example, the Department of Veterans Affairs offers benefits to help defer the cost of a veteran’s funeral. It’s also possible for families to pay for a loved one’s funeral through a memorial fund or trust established by the deceased person.

Many funeral homes offer pre-need services that allow customers to purchase arrangements in advance to save money. This is a great option for those who know exactly what they want to have done to their remains and are ready to pay for the cost upfront. This can be more expensive than burial insurance, but it removes the stress of having family members foot the bill after a loved one’s passing and ensures that family members don’t have to choose between paying for the funeral or other essentials.

Medical Expenses

Many people assume that burial insurance covers funeral and memorial expenses, but it can also help pay medical bills or credit card debt. It may also cover transportation costs to scatter ashes or pay for a headstone. Burial insurance, which is also referred to as final expense insurance or funeral insurance, can offer a smaller death benefit than a traditional life whole policy, but it’s an affordable option that may help your beneficiaries avoid financial hardship.

Unlike pre-need arrangements, which are contracts with specific funeral homes that include the price of funeral services and products, burial insurance is generally a standalone product offered by insurance companies. It works similarly to traditional life insurance in that a premium is paid weekly or monthly, and a death benefit is paid upon the insured’s death. Burial policies are marketed differently, but the end result is the same-a beneficiary receives a lump sum to pay off debts or funeral and memorial expenses.

One of the biggest differences between funeral insurance and traditional life insurance is that burial insurance typically does not require a medical exam to qualify for coverage. This makes it a great option for individuals with pre-existing health conditions or who are concerned about being denied a policy due to certain risk factors.

Burial insurance is often sold through funeral homes, but it’s not uncommon to find independent agents selling these plans. While it’s a convenient way to buy burial insurance, we recommend that you shop your options before working with an agent. A captive agent can only sell burial policies from the company they work for, so it’s important to make sure you’re comparing prices before choosing a plan.

A company analyzed state insurance complaint data and ratings to identify the best burial insurance companies. Our ranking methodology included examining complaint ratios as well as underwriting experience, which includes evaluation of the insurer’s track record for paying claims and handling complaints. In addition, we considered the monetary value of the burial insurance policies offered and their premium costs.

Living Expenses

Burial insurance, also called final expense life insurance, is an affordable, easy-to-qualify for type of life insurance that pays a small death benefit to cover the cost of funeral and burial expenses after your passing. Unlike the more generous death benefits of term or universal life insurance, which you may have heard about, burial insurance plans are specifically designed to pay off a one-time cost that is usually incurred at the end of a person’s lifetime.

The NFDA estimates that the average funeral costs $7,848 and burial insurance can help you cover these expenses, leaving behind some money for other needs. In addition to easing the financial burden on loved ones, burial insurance can help you save on funeral expenses by paying for services at today’s prices.

What are the main differences between burial insurance and pre-need funeral insurance? Burial insurance, which is usually sold through a funeral home or other life insurance agent, is a type of whole life insurance that provides a small death benefit and requires a medical exam. Pre-need funeral insurance, on the other hand, is a plan that’s bundled with services through a funeral provider and can include specific products and services in exchange for a lump sum payout.

Both types of policies can be beneficial to your family, but it’s important to understand the difference between them before choosing which one is right for you. When considering burial insurance, be sure to choose a company with good customer service ratings and a low complaint ratio. A good place to start is with the company’s Burial Insurance Comparison Tool.

Its Burial Insurance Compare Tool analyzes over 30 different companies to provide you with a list of the best burial insurance policies. The results are based on a combination of factors, including price, health requirements, coverage amount and more. The best burial insurance policies typically have lower premiums and higher coverage amounts, but this varies by insurer. If you’re looking for the cheapest burial insurance, consider a simplified issue policy. This type of burial insurance allows you to qualify for a policy based on a short health questionnaire and an instant decision without requiring a medical exam.

Why Driveway Replacement Is Best Left to the Professionals

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A new driveway can significantly improve curb appeal. But installing one is a project best left to professionals. Choose a contractor at https://concretecontractorcoloradosprings.com/ who specializes in the surface material you select. Get estimates from three contractors and check their references. Asphalt is the least expensive option, at $3 to $7 per square foot, followed by gravel and then concrete.

Cracks

Driveway Replacement

Concrete is one of the strongest construction materials, but over time it can develop cracks that will eventually compromise its load-bearing capacity. Depending on the size and severity of the cracks, they may be easily repaired or they might lead to more significant problems. Small cracks can indicate a variety of issues, such as that the driveway foundation was not correctly graded to allow water to move away from it.

Driveway foundations are usually built up of a layer of crushed gravel or road base, which is compacted to form a hard surface before concrete is poured on top. If the ground beneath the driveway settles for any reason, such as if tree roots decompose or if a utility line was laid in the area before construction, it can create stress on the pavement and cause cracking.

Large cracks in the driveway are more serious and should be addressed immediately. These types of cracks can indicate that the driveway has lost its structural integrity, posing a safety risk for pedestrians and vehicles. If left untreated, the cracks can widen and deteriorate further, leading to a collapsed or sunken section of the driveway.

Small cracks can be repaired using a concrete or asphalt filler. A concrete sealant with a non-sag consistency is the best choice, since it will blend into the existing slab and hide any unsightly cracks. These products are available in a variety of colors to match your driveway, and are easy to apply with a caulking gun or a rubber squeegee.

When repairing hairline cracks, choose a sunny day to do the work so that the cracks can warm up and soften. Clean the cracks thoroughly, removing dirt, debris and weeds. Ensure the cracks are free of moisture, then use a product such as Quikrete Polymer Modified Structural Repair mixed with Acrylic Fortifier to fill and sculpt the cracked edges of the driveway. This repair mix is easily shaped and can be rolled with a rolling pin to reform the edges of the driveway. Follow the instructions carefully for this type of repair.

Potholes

Potholes are the scourge of any asphalt driveway, parking lot or roadway. They’re deep depressions in the pavement that can range in size from a basketball-sized hole to a few feet across or more. They can be quite dangerous for drivers, not only because they pose a tripping hazard but also because they jostle the car’s tires and suspension, creating damage and making it difficult to maintain control of the vehicle.

Most potholes are caused by rainwater that seeps through the pavement and erodes the base beneath it. The resulting craters are exacerbated by repeated driving over the area. In gravel driveways, the hole can be made even bigger by the water and ice from melting snow that thaws and re-freezes in the winter.

If you want to repair potholes in your driveway, there are a few things you need to know. First, be sure to clean out the holes as much as possible. Use a shovel or rake to remove any loose dirt or debris in the area and be sure to dig out any areas of deteriorating asphalt as well. Next, wet the driveway with a hose so that surface imperfections are easier to spot.

Before you begin to fill the potholes, you should heat up the asphalt around them with a flame torch (or a propane torch if that’s what you have handy). This will help to bond the patch aggregate to the existing asphalt and make it last longer. Just be sure not to overheat the asphalt and burn or scorch it, as this will cause more problems in the future.

After you’ve filled the pothole, you should compact it down to be sure it holds firmly in place and isn’t easily displaced by cars passing over it. You can use a tamper for this purpose or just drive over the area several times until it looks and feels level with the surrounding pavement surfaces.

Leaving potholes in your driveway can be hazardous to the health of your vehicle and the other vehicles that drive over it. The best thing to do is to repair them as soon as you can, as this will save you money on vehicle repairs and other related expenses.

Sunken Sections

Concrete is an incredibly strong, useful material for many things, including driveways. Unfortunately, even though it has a lifespan of up to 30 years or more, the concrete in your driveway can eventually begin to sink. This can be caused by a number of issues, from soil erosion to underlying drainage problems. Often, the issue is exacerbated by vehicles that have been driven over a damaged surface, causing the soil to shift.

The best way to solve this problem is to have the sunken sections of your driveway leveled out by a professional. Using a process called slabjacking, our professionals drill holes through your sunken concrete and pump a wet substance under it. Originally, this process was done with mud, which is where the name comes from. However, today it’s often performed with cement and rock for more durability.

This lifts the sunken section of your concrete and helps prevent it from sinking again. While this does help, it doesn’t address the underlying problems, which means that your sunken sections may return in the future.

If you have a large vehicle, such as an RV, in your driveway, it is essential to find alternative places to park it. Larger vehicles can create a lot of pressure on the concrete, which will cause it to shift and sink over time. In addition, erosion and poor yard drainage are common causes of shifting and sinking driveways.

Erosion can wash away the soil under a concrete driveway, creating a space underneath that allows it to sink. Erosion can also be caused by poor yard maintenance, clogged gutters and downspouts, and poorly compacted soil.

While sealing your concrete driveway can be a good idea, it won’t help with sunken sections or other areas of damage. To address these issues, you need to have the area leveled and rebuilt with a new driveway base and surface. This is a very costly solution, but it is the best option if you want to ensure that your sunken sections don’t return in the future. Alternatively, you can choose to have the sunken section lifted by using mudjacking or foam injection, which are less costly but will not address the underlying problems that led to the sinking.

Rough Edges

A driveway with a crisp, finished edge isn’t just attractive; it provides strength and durability. Without a clear boundary, the concrete can degrade into the softer soil adjacent to it and sink in during vehicle loading. A professional installer can repair crumbling asphalt edges by recompacting the underlying base, adding more aggregate and then laying new pavement. It’s much less expensive than tearing out the entire driveway and starting from scratch.

A well-defined edge of the driveway also prevents visitors from driving into your lawn, which can damage your grass and other plants. You can dress up your driveway edging with landscaping stone, bricks or even stamped concrete to add a touch of elegance and enhance curb appeal.

If you’re on a budget, you can use a landscape material like gravel or crushed rock to define the edge of your driveway. It is inexpensive and easy to install and maintain; just sweep away debris and replace any stones that become loose. However, using a soft material such as this can be inviting to weeds, so layering the gravel with a weed-blocking fabric is recommended.

You can also use a more durable material such as masonry or aluminum strip to create a clean, crisp edge of your driveway. These types of materials are available at most home improvement centers and are relatively inexpensive. They’re also a good choice for curved driveways. Just be sure to follow proper installation techniques. Dig a trench slightly deeper than the thickness of the edging and make sure it’s straight and level, and that it sits flush with the asphalt.

Wood edging isn’t as robust as masonry or strip, so heavy rainfall may wash it away. It’s best to set this type of edging deep into the soil and secure it with stakes, and to check it regularly for loose or missing pieces.

When choosing a contractor to work on your driveway, be sure to ask them how they plan to address the edges of your driveway. Reputable and honest contractors will take the time to finish the job properly. An unethical contractor might cut corners in order to get the job done fast and cheaply.