AIG final expense coverage is a guaranteed issue whole life insurance policy to cover burial or other funeral expenses.
Text 408-854-1883 for a field underwriter near you.
There are no health questions or any medical underwriting of any kind. Your acceptance is guaranteed.
Since it’s a whole life policy, the way it works is very straightforward.
- Coverage can never decrease
- The policy can’t expire at any age
- Premiums can never increase
- Non-cancellable except for non-payment
That’s all there is to it. Your policy will literally never change. Only you can change it.
Want to see a consumer brochure? Click here if so.
Since the policy is a type of life insurance, upon your passing AIG will cut a tax-free check for the payable face amount directly to your beneficiary.
There’s no rules or restrictions regarding how the money is used.
The whole idea is that every funeral home in America will take cash. The policy gives your family the money needed to pay for your end of life expenses. If there’s money left over, it would simply stay with them to enrich their lives as they see fit.
Whether you need insurance to cover a cremation or burial, AIG’s guaranteed issue whole life plan will provide the funds so your family won’t have to.
AIG Final Expense Insurance Product Availability
As is the case with all insurance, this AIG burial insurance policy has limits on the amount of coverage you can buy, and where it’s sold.
- States Offered: All 50 & DC except NY
- Issue Ages: 50-85
- Face Amount Options: $5,000- $25,000
- 2 Year Waiting Period: Yes
- Purchase Options: Through independent agencies such as Choice Mutual or from AIG Direct (there’s no difference in price regardless of who you buy from)
A Standard Waiting Period
Because their policy is guaranteed acceptance, it has a two-year waiting period before the policy will pay out a death benefit.
This is important
All guaranteed issue final expense policies (with any company) will have a minimum two-year waiting period. There’s no such thing as a no health question policy with 6 month or a 1 year waiting period. It’s always at least two years.
So during the first two years, AIG will refund all premiums you’ve ever paid plus 10% interest. After two years, the policy will pay out the full face amount for any reason moving forward.
There is one exception to the waiting period however…
The one exception to the two-year waiting period is accidental death. If you pass away from an accident (car or plane crash, a tree falls on you, etc) the full amount will payout even if the accidental death occurs during the first two years.
AIG Burial Insurance Has Living Benefits
AIG guaranteed life insurance is the only guaranteed issue final expense carrier that offers living benefits with their policy.
Please Note: Any policy sold in CA will not include either rider, and the terminal illness rider is not available in District of Columbia.
They include, at no extra charge, these two riders on every policy.
- Terminal Illness Rider: If you are ever diagnosed with a terminal illness and given a life expectancy of 24 months or less, you can access up to 50% of your death benefit early. This rider is only available after the two-year waiting period has passed.
- Chronic Illness Rider: Allows for a one-time lump sum payment if the insured becomes chronically ill (cannot perform 2 out of 6 activities of daily living).
Again, both of these riders are included with every policy. You do not have to pay extra for them.
There is no other guaranteed issue policy that offers any living benefits. Pretty cool huh 😃.
AIG Guaranteed Issue Whole Life Rates
Below are actual prices for AIG guaranteed acceptance final expense insurance.
The cost of burial insurance depends on a few variables. Please remember your final insurance price will depend upon the following criteria:
- Your exact age
- Gender of the insured
- Face amount selected
- Resident state of the insured
Oh and don’t forget
You are not limited to these face amounts. AIG will allow you go purchase any whole number between $5k and $25k. For example, you could buy $7,000, $13,000, $22,000 etc.
When It’s A Good Idea To Buy This AIG Policy
Make no mistake, AIG guaranteed issue final expense offers a very competitively priced no health question plan. For folks who truly need or want a no health question policy, it’s often a superior choice relative to the options out there.
But here’s the deal…
There are only certain situations where AIG’s guaranteed policy is your best option. This policy is not right for everyone. AIG isn’t a like Alex Trebek life insurance or AARP burial life insurance where it’s a bad option all around. For some folks, it’s a great deal.
Take a look at the list below. These health situations are generally when someone should buy a guaranteed issue policy which would mean AIG is a great option.
This list isn’t completely exhaustive, but it does represent a vast majority of the reasons why someone would be best served by a guaranteed acceptance life policy.
Insider Tip: if you don’t have any of these health conditions, you can probably qualify for a plan with underwriting. That will result in a plan without a waiting period and a lower premium. Call us at 1-800-644-2926 and one of our agents will figure it out for you in less than 60 seconds.
If none of these situations apply to you, you probably shouldn’t buy a guaranteed issue plan. You should instead try for a policy with underwriting. Just call us and we’ll find you one 😎.
However should you have some of these health issues, AIG is likely your best bet, and you should sign up now.
- Currently confined to a nursing home, hospice care, hospital, or any medical facility
- Alzheimer’s or dementia or ever taken any drugs to treat memory problems
- Been advised to have an organ transplant
- Full blown stroke within the last 12 months (TIA mini stokes don’t count)
- HIV or AIDS
- Insulin shock or diabetic coma within the last 24 months
- Heart attack within the last 12 months
- You’ve had or been treated for cancer in the last 24 months
- Terminal illness with a life expectancy of 24 months or less
- Heart or circulatory surgery within the last 12 months
- Congestive heart failure with diabetes
- Amputation due to diabetes within the last 24 months
The following is a sample quote Single Issue Whole Life Insurance for Final Expense from Mutual of Omaha, Living Promise, for a 63 yr old female, non smoker who wanted a final expense plan to pay for burial/funeral expense and leave some estate to her 2 children. Death benefit is $40,000 with monthly premium of $141.26. Health issue: 1 prescription med for hypertension. Healthy weight. Works night shift.
Her goal is to not burden her two daughters should the good Lord calls her. She has been supportive to her family, buying her grandchildren essentials from stroller to clothes.
Working hard during night shift as a CNA in a nursing home, she offers sacrifices to benefit the future of her grandchildren and children.
Email Connie at firstname.lastname@example.org for extra income that entails helping others get a final expense plan matching their needs. Covid proof income generation. There are leads and script and a team to help your business be your own agency owner. Not MLM.
Text Connie 408-854-1883. Must be in the USA. Have a car, computer and cell phone and a good communicator and listener.
Current Life and Health Insurance agents are welcome, up to 140% commission.
Rights and Obligations As To Human Remains and Burial
Our modern society seems to have difficulty addressing the issue of dying and death and that fact is reflected in many of our institutions and words used to describe the very natural act of dying. One “passes away” or “is in everlasting sleep.” Our instructions as to when to let people die is called a “Living Will” when in reality it is instructions for death. The list goes on and on.
It was not always so. The front parlor which still exists in many homes was called a parlor because that is where a hundred years ago people would put the body of relatives to be viewed before burial. It was only used for that purpose. People normally died at home, not in hospitals and the family performed the services normally now performed by hospice. See our article on Living and Dying Preparations for a further discussion of these issues.
The rights and obligations applicable to human remains is a topic of critical importance to a family facing a death yet is a subject that is seldom discussed or considered. This article shall outline the responsibilities and rights as to human remains.
The Basic Law:
A dead body is the physical remains of an expired human being prior to complete decomposition.
State legislatures have adopted many statutes that regulate the disposal of dead bodies. Although the right to a decent burial has long been recognized at common law, no universal rule exists as to whom the right of burial is granted.
The right to possession of a dead human body for the purpose of burial is, under ordinary circumstances, in the spouse or other relatives of the deceased. Sherman v. Sherman, 330 N.J. Super. 638 (Ch.Div. 1999). However, an unrestricted property right does not exist in a dead body. The matter of the disposition of the dead is so involved in the public interest, including the public’s health, safety, and welfare, that it is subject to control by law instead of being subject entirely to the desires, whim, or caprice of individuals. Wolf v. Rose Hill Cemetery Ass’n, 832 P.2d 1007 (Colo. Ct. App. 1991).
A body may not be retained by an undertaker as security for unpaid funeral expenses, particularly where a body has been kept without authorization and payment is demanded as a condition precedent to its release. At times, the need to perform an autopsy or postmortem examination gives the local coroner a superior right to possess the dead body until such an examination is performed. The general rule is that such examinations should be performed with the exercise of discretion and not routinely. Some state statutes regulate when an autopsy may be performed, which may require the procurement of a court order and written permission of a designated person, usually the one with property rights in the corpse.
The preference of the deceased concerning the disposition of his or her body is a right that is usually strictly enforced. Some states confer this right, considering a decedent’s wishes as of foremost importance.
For instance, Utah Code Ann. § 75-3-701 provides that, “the duties and powers of a personal representative commence upon his appointment. The powers of a personal representative relate back in time to give acts by the person appointed which are beneficial to the estate occurring prior to appointment the same effect as those occurring thereafter. Prior to appointment, a person named executor in a will may carry out written instructions of the decedent relating to his body, funeral, and burial arrangements. A personal representative may ratify and accept acts on behalf of the estate done by others where the acts would have been proper for a personal representative.”
In most instances, the courts will honor the wishes of the decedent, even in the face of opposition by the surviving spouse or next of kin. If for some reason a decedent’s wishes cannot be carried out, direction should be sought by the court if unanimous consent of the family to an alternative is not easily attained. The court will decide how the body shall be disposed of and will most likely do so according to the wishes of the surviving spouse or next of kin, provided those wishes are reasonable and not contrary to public policy.
After a body has been buried, it is considered to be in the custody of the law; therefore, disinterment is not a matter of right. The disturbance or removal of an interred body is subject to the control and direction of the court.
Control of the Body and Burial:
Certain rights and duties exist regarding the burial and disposal of the body of a decedent. Upon the death of a married person, the surviving spouse has the paramount right as to the custody of the remains of the deceased and its burial. Radomer Russ-Pol Unterstitzung Verein v. Posner, 176 Md. 332 (Md. 1939). There is no right of property in a dead body in the ordinary sense, but it is regarded as property so far as necessary to entitle the surviving spouse or next of kin to legal protection of their rights in respect to the body. Lubin v. Sydenham Hospital, Inc., 181 Misc. 870 (N.Y. Sup. Ct. 1943).
While the primary and paramount right to possession of the body and control of the burial or is vested in the surviving spouse, the right of a surviving spouse to control the burial is dependent on the peculiar circumstances of each case, and may be waived by consent or otherwise. Southern Life & Health Ins. Co. v. Morgan, 21 Ala. App. 5 (Ala. Ct. App. 1925). This means that the right of a surviving spouse to the custody of the dead body for purposes of burial is not an absolute one. For example, if a spouse does not promptly assert their rights to the body, then the right to possession of the body for burial will be waived in favor of the next of kin. Id, Southern Life.
Additionally, if the deceased had expressed any particular place for his/her burial, then consideration must be given to that place. However, in the absence of such a circumstance, the surviving spouse is entitled to select a place of burial. If there arises any dispute between the surviving spouse and the next of kin, then the spouse’s preference prevails in determining the place and time of burial, and manner of disposal. If there is no judicial separation, a wife separated from her husband has some rights regarding the funeral services of her husband. However, if she does not exercise these rights, the estate of her husband must bear the reasonable costs of his funeral and burial. In re Estate of Barner, 50 Misc. 2d 517 (N.Y. Sur. Ct. 1966)
If there is no surviving spouse or the surviving spouse has waived the right, the right of burial of a dead body is in the next of kin in the order of their relation to the decedent. In other words, if there is no surviving husband or wife, the right lies in the next of kin in the order of their relation to the decedent, usually in the following order: children of proper age, parents, brothers and sisters, or more distant kin. This rule of priority is to be applied with reason. It is flexible and may be modified by circumstances of the moment. Pettigrew v. Pettigrew, 207 Pa. 313 (Pa. 1904).
However, if two or more persons with equal standing as next of kin disagree on disposition of the decedent’s remains, then preference will given to the person who had the closest relationship to the deceased. In re Estate of Weiss, 2009 Phila. Ct. Com. Pl. LEXIS 236 (Pa. C.P. 2009). In the absence of a surviving spouse, wishes of the next of kin regarding control of the body depend upon the nearness of the kinship and the personal relations between them and the decedent. In exceptional circumstances, a distant relative or a friend not having any blood relation may possess a superior right. Pettigrew v. Pettigrew, 207 Pa. 313 (Pa. 1904)
In some jurisdictions, while delineating the rights of family members to control the disposition of the remains of a deceased person, the courts clearly places the decedent first. Further, the decedent’s preference may be determined by resort to both testamentary and nontestamentary statements. Sherman v. Sherman, 330 N.J. Super. 638 (Ch.Div. 1999). The extent to which the desires of a decedent as to the method of burial or disposal of his/her body will prevail against those of a surviving spouse depends in part on circumstances as to the mental condition of the decedent. However, if a decedent is proved to be mentally incapable, then his/her stated wishes often will not be given effect. Rosenblum v. New Mt. Sinai Cemetery Asso., 481 S.W.2d 593 (Mo. Ct. App. 1972).
A surviving spouse has an implied contractual obligation to pay for necessary funeral expenses arranged by a third party. However, such expense must be reasonable. The test in determining reasonableness states that the surviving spouse must assist according to his/her ability to do so.C. Battle & Sons Funeral Home v. Chambers, 63 Ohio Misc. 2d 441 (Ohio Mun. Ct. 1993).
In the absence of a normal parental and filial relationship at the time of death, an adult child may not claim a paramount right as the nearest next of kin to dictate the manner and place of his/her parent’s burial. In re Application Pursuant to Article 4200 of the Pub. Health Law, 196 Misc. 2d 599 (N.Y. Sup. Ct. 2003).
It is to be noted that if there is no surviving spouse or children for the deceased, then the deceased’s parents have the right to possession of the body. Similarly, if the parents are divorced, the right to bury the child belongs to the parent who was awarded with the custody of the child. If the duty to bury a person is given to a personal representative of the deceased person, then such representative has the right to bury the deceased. However, this right can be waived by the inaction of the executor with regard to the disposition of the body.
Types of Disposal and Rights and Obligations Applying:
Disposal of dead body is the practice and process of dealing with the remains of a deceased human being. Several methods for disposal are practiced. In many cases, the manner of disposal is dominated by spiritual concerns and a desire to show respect for the dead, and may be highly ritualized. This event may be part of a larger funeral ritual. In other circumstances, such as war or natural disaster, practical concerns may be forefront. Many religions as well as legal jurisdictions have set rules regarding the disposal of corpses. Since the experience of death is universal to all humans, practices regarding corpse disposal are a part of nearly every culture.
The most common methods of disposal are:
- Burial of the entire body in the earth, often within a coffin
- Cremation, which burns soft tissue and renders much of the skeleton to ash. The remains, known as “cremains” may contain larger pieces of bone which are ground in a machine to the consistency of ash. The ashes may be stored in an urn or scattered on land or water.
Many jurisdictions have enacted regulations relating to the disposal of human bodies. Although it may be entirely legal to bury a deceased family member, the law may restrict the locations in which this activity is allowed, in some cases expressly limiting burials to property controlled by specific, licensed institutions. Furthermore, in many places, failure to properly dispose of a body is a crime. In some places, it is also a crime to fail to report a death, and to fail to report the disposition of the body. See our article on the Law of Cemeteries.
Although common law did not regard dead bodies as property, the courts, through the centuries, have treated them in a quasi-property context. The right to the remains of one’s deceased kin for the purpose of providing proper burial has long been recognized as a legal right. The surviving next of kin have a right to the immediate possession of a decedent’s body for preservation and burial and damages will be awarded against any person who unlawfully interferes with that right or improperly deals with the decedent’s body. This right, characterized as the right of sepulcher under common law, continues to be recognized by the courts notwithstanding the passage of many hundreds of years. Correa v. Maimonides Medical Ctr., 165 Misc. 2d 614 (N.Y. Sup. Ct. 1995).
All governments have recognized legitimate governmental interest in the provision of burial services in that the disposition of the dead is so involved in the public interest, including the public’s health, safety and welfare, that it is subject to control by law instead of being subject entirely to the desire, whim or caprice of individuals. In the exercise of its police power, the state may adopt reasonable regulations as to burials or other means of disposing of dead bodies. There is no question of the power of the legislature to exercise complete control of burials so far as is necessary for the protection of the public health and the promotion of the public safety. Thruston v. Little River County, 310 Ark. 188 (Ark. 1992).
Federal statutes authorize the payment of expenses for the burial or disposal of the remains of certain persons in federal custody, persons dying on or in federally owned property or facilities, and certain federal employees who die in the line of duty. Also, federal statutes authorize payment of interment of employees of the Immigration and Naturalization Service who die while in a foreign country in the line of duty. Federal provisions also make specific provision as to the payment of expenses for the transportation of dead bodies of particular individuals. For example, 10 USCS § 1483 provides that, “the Secretary concerned may provide for the care and disposition of the remains of prisoners of war and interned enemy aliens who die while in his custody and, incident thereto, pay the necessary expenses of–
(1) notification to the next of kin or other appropriate person;
(2) preparation of the remains for burial, including cremation;
(3) furnishing of clothing;
(4) furnishing of a casket or urn, or both, with outside box;
(5) transportation of the remains to the cemetery or other place selected by the Secretary; and
(6) interment of the remains.”
Further, 16 USCS § 17e provides that, “the Secretary of the Interior is hereby authorized, in his discretion, to provide, out of moneys appropriated for the general expenses of the several national parks, for the temporary care and removal from the park of indigents, and in case of death to provide for their burial, in those national parks not under local jurisdiction for these purposes, this section in no case to authorize transportation of such indigent or dead for a distance of more than fifty miles from the national park.”
The practice of cremation has been increasingly common in recent times, and it is advocated mainly on the ground that it is safer for the living, more sanitary, than ordinary burial in a cemetery. The practice has become general and crematories are now so common in many of the larger cities of the United States that the courts may take judicial notice of the usual method of operation. Abbey Land & Improv. Co. v. County of San Mateo, 167 Cal. 434, 439 (Cal. 1914).
In California, for example, according to Cal Health & Saf Code § 7010, “Cremation” means the process by which the following three steps are taken:
(a) The reduction of the body of a deceased human to its essential elements by incineration.
(b) The repositioning or moving of the body or remains during incineration to facilitate the process.
(c) The processing of the remains after removal from the cremation chamber
Cremated remains, which are not a health risk, may be buried or immured in memorial sites or cemeteries, or they may be legally retained by relatives or dispersed in a variety of ways and locations. Since a crematorium does not make “interments” within the meaning of a statute governing the cemetery business, it is not a cemetery corporation or association. Nevertheless, the regulation of crematories is within the police power of the municipality, and reasonable restrictions upon the operation thereof are valid.
In Abbey Land & Improv. Co. v. County of San Mateo, 167 Cal. 434 (Cal. 1914), the court held that “ a county ordinance which prohibits the establishment or maintenance in any one township of more than one crematory for the cremation of human bodies cannot be upheld as a police measure as against a cemetery association located near another crematory and in close proximity to several cemeteries and in a neighborhood where there are but few dwelling-houses and no buildings devoted to any business except that of burying the dead.”
Transportation of Bodies: Liability of Mortuaries:
According to the common law, it is the duty of a mortuary to deliver a dead body relatively in good condition to the relatives of the deceased person. A mortuary must do their duty with utmost care and attention. A reasonable expedience is expected from a mortuary that carries a dead body. Moody v. Messer, 489 S.W.2d 319 (Tex. Civ. App. Corpus Christi 1972). The mortuary will be held liable if any damage is caused to a dead body due to their negligence. Quesada v. Oak Hill Improvement Co., 213 Cal. App. 3d 596 (Cal. App. 5th Dist. 1989)
However, a mortuary that fails to deliver a dead body that is donated to medical students cannot be held liable either in contract or tort. In order to make a mortuary liable under a contract or tort, following conditions need to be satisfied. They are:
- it must be proved that there existed a meeting of mind between a mortuary and the relatives of a deceased person regarding transportation method; and
- it must be proved that the provisions of law regarding donation of dead body gave the relatives of a deceased person the authority to decide about delivery of dead body. Hinze v. Baptist Memorial Hosp., 1990 Tenn. App. LEXIS 601 (Tenn. Ct. App. Aug. 23, 1990)
But a mortuary that has entered into a contract to ship the cremated remains of a dead body will be held liable for negligent performance, if cremated remains of a dead body are lost due to mortuary’s negligence.
Close relatives of the deceased person can sue the mortuary for tortuous infliction of emotional distress. Contreraz v. Michelotti-Sawyers & Nordquist Mortuary, 271 Mont. 300 (Mont. 1995). See our article on Torts.
In Quesada v. Oak Hill Improvement Co., 213 Cal. App. 3d 596 (Cal. App. 5th Dist. 1989), the plaintiff, sister of the deceased person, brought an action for damages against defendant/funeral home. The allegation against defendant/funeral home was that the defendant/funeral home mishandled the dead body and caused emotional distress to plaintiff. The defendant/funeral home delivered another person’s dead body for burial. In spite of the protest made by the relatives of the deceased person, the dead body was cremated in the plaintiff’s property. However, the trial court ruled in favor of defendant/funeral home for the reason that there was no contractual relationship between plaintiff and defendant/funeral home. Hence the defendant /funeral home had no duty towards plaintiff.
On appeal, the appellate court reversed the trial court judgment and held that the duty of defendant/funeral home was to be decided on the basis of test of foreseeability of injury to close relatives and friends of a deceased person. The court of appeal further held that plaintiff is a close relative of the deceased person and is entitled for damages.
The family of a deceased person has a personal right to bury the dead body of their relative. Any mutilation or disturbance of a dead body is considered as an interference with this personal right and it gives rise to an actionable wrong. Whoever negligently withholds a dead body or prevents it from cremation or cut open a dead body is liable for causing emotional distress. In order to bring an action for tortuous infliction of emotional distress against the mortuary, a plaintiff must establish that a defendant has caused a serious emotional distress to plaintiff intentionally. Powell v. Grant Med. Ctr., 148 Ohio App. 3d 1 (Ohio Ct. App., Franklin County 2002)
Apart from the tortuous liability, a mortuary will be imposed with criminal liability if a dead body is transported without removal permit or burial transit.
Expenses for transporting the remains/bodies of officers to their homes for burial, who die while performing their job in foreign countries, are paid on a written order of the Attorney General by the home country. In the case of persons employed with National Park Service, and indigents the expenses for transportation of deceased employee’s body or indigent’s dead body will be given by the Secretary of the Interior.
A post mortem examination or autopsy is a medical procedure that consists of the examination of a corpse to determine the cause and manner of death and to evaluate any disease or injury that may be present. It is usually performed by a specialized medical doctor.
Forensic autopsies are autopsies performed to determine if death was an accident, homicide, suicide, or a natural death. The extent of an autopsy can vary from the examination of a single organ such as the heart or brain, to a very extensive examination. Examination of the chest, abdomen, and brain is considered standard autopsy procedure by most pathologists.
Performance of certain autopsies or other postmortem operations is subject to federal regulations. According to some statutes, autopsies or other post-mortem operations can be performed on the body of a deceased patient only by direction of the officer in charge and only after obtaining consent of the authorized person. Further, documents embodying consent must be made a part of the clinical record. 42 CFR 35.16
However, a hospital or its medical personnel cannot order the removal of tissue or other body parts of a deceased person for forensic or scientific study without consent from the spouse or next of kin. Kelly v. Brigham & Women’s Hosp., 51 Mass. App. Ct. 297 (Mass. App. Ct. 2001). A wrongful autopsy claim is based on the general principles governing thetort of negligence. Rubianogroot v. Swanson, 13 Mass. L. Rep. 276 (Mass. Super. Ct. 2001). As a result, the plaintiff must show that the defendant owed him/her a duty, that his/her act or failure to act was negligent and that the negligence caused him/her harm.
If consent is given by the concerned party for the performance of an unofficial autopsy, then there is no liability for a pathologist, even if such autopsy results in the removal and destruction of some organs or the failure to return organs to their original placement in the body. Lashbrook v. Barnes, 437 S.W.2d 502 (Ky. 1969). However, liability may be imposed if the person performing the autopsy exceeds his/her authority by causing a negligent or unnecessary mutilation of the body during the autopsy.
It is to be noted that an unofficial autopsy cannot be performed over the objection of a surviving relative or friend of the deceased that such a procedure is contrary to the religious belief of the decedent. Liberman v. Riverside Mem. Chapel, 225 A.D.2d 283 (N.Y. App. Div. 1st Dep’t 1996). Similarly, an action to recover damages for the performance of an unauthorized autopsy is meant to compensate family members for the emotional and mental suffering occasioned as a result of an improper autopsy.
An autopsy helps in evaluating new diagnostic tests, the assessment of new therapeutic interventions and the investigation of environmental and occupational diseases. Moreover, medical knowledge on existing diseases derived from autopsy based research is often important.
Emotions can become powerful during a time of death of a loved one and as one client commented, one is required to make difficult decisions, often involving tens of thousands of dollars at a time when one can barely think. That same client had somehow agreed to a funeral arrangement with a casket costing thirty thousand dollars. To the credit of the funeral home, they did back down when our protest was made but something for all of us to consider is how it would help our relatives to receive not only clear instructions as to the type of funeral and burial to have, but to indicate who has what rights to handle the details.
Such instructions should be in writing and delivered to those trusted persons who will handle the matter and, ideally, one’s attorney and executor. Too often people place such instructions in safe deposit boxes which cannot be opened or, worse, put them among piles of papers which are only examined long after burial.
Such an effort on your part can be one of your kindest bequests to your loved ones.