Archive for the ‘Legal’ Category

Common Funeral Planning Mistakes

Wednesday, August 20th, 2014

Grief - man with white roses at urn funeralFuneral planning is never an easy task, especially since it’s something few people are trained for (and because it’s something you hopefully don’t have to practice very often). Being caught unaware of the correct protocol is one of the easiest ways to overpay or get taken advantage of, which is why it’s a good idea to become familiar with the biggest funeral planning pitfalls ahead of time.  (more…)

Financial Spring Cleaning

Tuesday, August 5th, 2014

Estate Planning PaperworkSpring is a time of renewal and rebirth, when the melting snow gives way to new life and people start reorganizing their closets for the warm season to come. Financial experts also suggest you use this time to consider pulling out your estate and funeral planning to ensure that everything is in order and up-to-date.

Where to Start?

When we talk about making advance estate and funeral plans, we mean much more than putting money in a 401(k) or taking out a life insurance policy. While both these things are great first steps, they don’t encompass the breadth of options available to you as you organize your end-of-life plans. (more…)

Cremation FAQs

Thursday, April 17th, 2014

Fire smoke What is Cremation?

Cremation is a way of disposing of bodily remains that is both economical and ecologically friendly. Although many people choose cremation for personal, cultural, or religious reasons, the reality is that most people opt for cremation because of its relatively low cost (when compared to burial).

How Does Cremation Work?

In the process of cremation, a body is exposed to high levels of heat and flame for 1 to 3 hours. During this time, the body is broken down into ashes and large bone fragments (which are later ground down to give the appearance of ash). Family members are then able to collect these ash remains, also known as cremains, to be disposed of however they wish.

Who Performs a Cremation?

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5 Questions to Ask Before You Start Funeral Planning

Monday, April 14th, 2014

Cemetery is the dawn's lightOnce you’ve made the decision to begin funeral planning, it’s easy to become overwhelmed by all the information and options out there. Choosing cremation vs burial, picking between dozens of local funeral homes, considering funeral insurance vs a pre-plan funeral package…these are just a few of the options that pop up in the beginning of your search.

Because few purchases will ever be more personal than the ones you make regarding your own death, it’s important to take a deep breath and relax as you move forward. Although time is one of the few things none of us has an unlimited amount of, you should never plan a funeral in haste. It’s too easy to overpay or buy services you don’t need if you feel pressured to make immediate decisions.

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Best Places to Scatter Ashes

Monday, April 7th, 2014

Peaceful nature sceneIf you’ve recently cremated a loved one and are looking for creative yet respectful ways to dispose of the ashes, an ash scattering ceremony is a good choice. Although not every public or private area allows for this kind of option, these locations are some of the favorites for scattering ashes and saying goodbye.

  • Garden or Flowerbed: There’s no reason why you have to travel to the ocean or far away to send the proper respects to the deceased. One of the most popular places to scatter ashes is in the deceased’s garden, orchard, or flowerbed. Because it’s your own land, you don’t have to worry about getting permission, and you can erect any kind of monument you want afterwards.

How Much Does Burial Insurance Cost?

Saturday, April 5th, 2014

People at funeral consoling each otherOne of the easiest ways to pre-pay for a funeral is to buy burial insurance (also known as funeral insurance). Instead of picking out details like caskets or cemeteries now, you simply set aside a lump sum that is payable out to your beneficiary upon your death. They can then use the money to fund your funeral in a way that fits with your wishes and their grieving needs.

Because burial insurance is a “guaranteed” payout (unlike car insurance, which will only pay out in the event of an accident, everyone will eventually die and collect on their burial policy), most of the costs are fixed. Your policy provider will take into account your age, your desired method of payment, and how large your payout is. From there, you will choose a policy that fits with your needs. This means that while one person (say, a 50-year-old in good health) might pay a fairly small monthly charge, another person (someone in their 70s who is a smoker) can expect larger monthly fees and even big upfront costs.

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How to Plan a Belated Funeral

Saturday, March 22nd, 2014

How to Plan a Belated FuneralThere are many reasons to delay a funeral. Maybe it’s a difficult time of year for family members to get time off work or to make travel arrangements. Perhaps the deceased wished for a springtime service. Maybe you don’t currently have the money to cover funeral costs.

Whatever the reasons, it’s becoming more common to opt for direct cremation or direct burial immediately following death—and to hold a formal “funeral” or memorial service sometime in the future. You can wait weeks, months, or even years to do this, which gives you greater flexibility and more options when it comes to saying goodbye.

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Pre-Plan a Funeral Online

Friday, February 21st, 2014

Pre-Plan a Funeral OnlineIf the idea of calling funeral homes and meeting with estate planners to make advance funeral arrangements isn’t one you cherish, you may be able to find online options to save you time and money. Although unheard of just a few years ago, online funeral planning is now a viable option that allows you to plan and even pay for your funeral from the comfort of your own home.

How Online Funeral Planning Works

There are two ways you can pre-plan a funeral online. The first option requires nothing more from you than to make decisions regarding your wishes. For example, you can:

Print out a funeral planning worksheet, which you can then fill out regarding your specific wishes.
Find a funeral planning app or other online option that allows you to make decisions and email your answers to family members.
Coordinate funeral pre-plan options with a specific funeral home, which will use the information provided to contact you at a later date.

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How to Manage a Loved One’s Affairs After They are Gone

Tuesday, January 21st, 2014

From time to time, those of us at iMortuary find great resources from within the industry we are delighted to share. Une Belle Vie Memorial Urns, is a company we admire for their commitment to customer service and quality to the consumers they serve online and over the phone.   They empathize with their customers’ challenges in managing estate finances and administration; to help families facing these tasks, they have developed a free downloadable guide to managing a loved one’s finances after they’re gone.

When a loved one passes, the family’s first and most pertinent task is to organize the funeral and/or memorial, which can be daunting during this time of mourning.  After the funeral, families often struggle with what to do next regarding their loved one’s possessions, property and, most importantly, their finances.

Managing Finances After They Are GoneUne Belle Vie Memorial Urns, a company that offers unique and custom cremation urns, offers a free downloadable step-by-step guide to managing a loved one’s finances after they are gone. The guide includes how to contact the appropriate government and financial agencies, how to close or transfer accounts, and how to claim death benefits.

Especially during a time of mourning, everyone can use some guidance and direction.

The free guide is available for download at http://decorative-urns.com/cremation-blog/estate-planning/free-download-une-belle-vie-guide-to-managing-a-loved-ones-finances/.

 

 

Safety and Good Businesses Practices When Purchasing Caskets Online

Wednesday, January 8th, 2014

Casket with beautiful funeral flower arrangement One of the most common pieces of advice on how to save money on a funeral is to buy a casket online. Funeral homes mark up items like caskets, urns, and other burial effects by hundreds or even thousands of dollars—an amount of money that can seem insurmountable when you’re already facing such a devastating loss. Because the FTC’s Funeral Rule requires that funeral homes accept these items from a third-party vendor, you can shop around for caskets online.

However, buying anything online comes with a risk. Because you’re talking about an item that comes with a hefty price tag (and requires immediate shipping), it’s important to get things right. If you’re hesitant to buy a casket online because of the dangers of internet shopping, here are a few tips to ensure a safe transaction.

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