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3Probably because IAm not a FE guy.
Question -
How many FE agents leave those?
how many FE clients have updated those?
How many even have a blank one in their Life insurance file?
How many have a Life insurance file?
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Fex Contracting or the Insurance Squad
- Thread starter Kayla Hall
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- final expense insurance
Unfortunately, I have officiated many funerals in the last 10 years.. In almost all of them, there were no prearrangement..Everything you mention is normally taken care of at the funeral home the day after the death occurs.. The obituary runs in the paper on the radio and in the newspaper the next day..Visitation is held that evening and the funeral and internment takes place on the third day.. However, it is becoming more common that visitation will be held from 5PM - 8Pm and the funeral service takes place at 8Pm following visitation. In that case, that is usually all done o n the third day and the internment will take place the next morning. Everything you have mention except receiving and cashing the check has been done. For that, if the policy is two years old, the funeral home takes assignment and then sell it off to a factoring company so that they have their money within 24 hours. If you don't have an incontestable policy, other arrangements will have to be made with the funeral home..
I have them in the supply files for each FE company... Seldom ever use them..Probably because IAm not a FE guy.
Question -
How many FE agents leave those?
how many FE clients have updated those?
How many even have a blank one in their Life insurance file?
How many have a Life insurance file?
*
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1. Husband dies 3:00 am Tuesday (everyone dies at inconvenient hours. Just part of being a funeral director). Usually at a hospital, nursing home or under hospice care.
2. Funeral home is called to do the removal at 3:45. They show up at 4:30. Have the spouse/adult children sign the initial papers authorizing removal and prep work/ embalming (if public viewing) and set an appointment for the immediate family members to meet with the funeral director to make all the final arrangements. That meeting will be at noon today Tuesday.
3. At the meeting they will decide the specifics. Type of service, clergy, cemetery, casket selection, cemetery and cemetery items, prayers, songs, etc. and will finalize the obit and submit it to the newspaper before 4:00 for insertion in tomorrow's newspaper. Over 50% of deaths were already Preplanned years or months in advance whee all these decisions were made ahead of time and already on file. Others just make them at the meeting. Visitation is going to be Wednesday and funeral on Thursday in most cases.
4. Some families will delay the service one extra day to allow out of town travel. And if the death occured at 3:00 pm rather than 3:00 am A half day is already gone.
5. If the insurance policy was non-contestible the funeral home is going to assign it to an assignment company and their money will be bank wire transferred to them that same business day. This happens within hours (not 2-days) and no death certificate is needed.
6. If the insurance policy is contestible most funeral homes will require another form of payment. Some funeral homes MIGHT work with the family and wait on a contestible policy if they have a history with the family and trust that they will pay them.
7. The average family is going to spend between $1200 to $2,000 on a casket at a funeral home although they can go higher or lower if they choose to. They will spend $800 to $1200 for a concrete grave liner at the cemetery. Many cemeteries will not allow fiberglass or plastic grave liners.
8. Headstones are supplied free of charge for all veterans. For everyone else $500 will get you an individual headstone or $850 for a companion one. Those are certainly something you can spend extra for if you want to.
Everything happens very quickly when a death occurs. That's why so many people preplan at the funeral home. So they can make all the decisions when hey are not rushed or emotional.
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Man, you guys are quick. My experience with family has been more about a week.
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Who's choice was that? The family? or the funeral home?
The only time I've seen families wait that long was if a key family member was on a cruise or something. With burial anyway. If they are going to cremate and just have a memorial service it's not uncommon to wait until it's convenient for everyone. Like right before a Christmas gathering or some other event that brings the family together.
- 15,041
Family.
My grandmother died before Christmas, so we had to wait for the church to reopen. When my mother died, we waited until the next weekend.
Same with my great-aunt. They waited until the next Saturday, so several days if not a week. When her grandson died less than a week later, his funeral was exactly 2 weeks after hers. When his wife died several years before, waited for the weekend as well. Same with another cousin.
So maybe not a week, but 4 or 5 days at least. Typically some family was travelling 100 miles or so. My grandmother's was the only one not on a Saturday, however it was like the 26th or 27th, so most people were in that lull between Christmas and New Years.
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My mother died on a late sunday afternoon, FH picked her up that evening. She was in Hospice care at home so we had everything prearranged. Monday morning I signed the assignment and the FH faxed the Notification of Death to the company. Tuesday morning they and I had checks. The Mass was Friday. In our area it seems that 4-7 days is normal.
I received a call from a San Jose, CA client that her mother died this morning. I called the company, Non contestable. They said they will pay within a day of getting the Notification, they emailed the claim and assignment forms to me. She will meet with the FH today. I called the FH and the are Corp owned. The family owns the plots. Let's see how long it take.
I received a call from a San Jose, CA client that her mother died this morning. I called the company, Non contestable. They said they will pay within a day of getting the Notification, they emailed the claim and assignment forms to me. She will meet with the FH today. I called the FH and the are Corp owned. The family owns the plots. Let's see how long it take.
- 15,041
The funeral home we used is corp, part of Dignity. Use to be locally owed, the one my grandfather recommended to his white clients when he ran a debt (yeah sorry, its the South and this was the 50s - 70s). The one for my other relatives appear to be locally owned, rural area.
I think really the timing was more us than them. They were ready to go as fast as we wanted. Also we paid cash for everything. I reimbursed myself with the insurance proceeds for my mother and grandmother.
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