It’s important that you plan for your death. While it’s not the most fun conversation that you can have with your family, it’s one of the most important that you can have. If you don’t plan for your passing away, you could leave your family with a massive amount of debt and painful decisions to make. One of the most important decisions that you need to plan for is what you want your final wishes to be. Do you want to be buried or cremated?
When you’re planning your final wishes, there are a lot of questions about mausoleums. While they are not the most common choice for your final resting place, you should consider all of your options and their advantages. There are various benefits to mausoleums that you should be aware of when making your plans.
Mausoleums vs. Traditional Burial
There are some distinct differences between mausoleums and traditional burial plans, the most obvious one is that you’ll be placed above ground and is going to cost more, but that doesn’t mean that you should automatically eliminate it. With a mausoleum, they will be able to protect the casket and all of the remains from the weather. It will keep the burial dry and clean.
Another advantage of a mausoleum versus a traditional burial is that it will be easier for you to have all of your loved ones next to each other. With a traditional burial plot, you’ll have to ensure that your family gets enough plots around each other, but with a mausoleum, you can have all of your loved ones buried in the same monument. If you value having all of your loved ones next to each other after death, this is one of the easiest ways to do it.
Mausoleums – The Costs
When you’re planning ahead, one of the biggest factors is going to be the costs. A mausoleum isn’t going to be the cheapest route. If you’re looking for the most affordable option, that would be a direct cremation. A direct cremation doesn’t involve any memorial service. The body goes straight from the place of death to the crematory.
When looking at comparing the costs of a mausoleum to a burial plot, they are comparable prices. A mausoleum is going to be more expensive, but it isn’t a drastic difference. They average mausoleum crypt is going to be around $4,000, which is about the same amount that you’ll pay for a burial plot.
Burial Insurance Plans
It’s easy to see that whichever option that you choose could leave you family with a heavy bill to cover. There are going to be dozens of expenses and different bills that your loved ones will be responsible for, that’s where your insurance policy will come in. Most applicants assume that they need a life insurance policy that can cover up to several million dollars, but there are thousands and thousands of Americans that can purchase a burial insurance plan that will give them the coverage that they need without the expensive premiums.
It’s vital that you can the perfect amount of coverage for your family. You’ll need to decide what your insurance needs are, and there are several factors that you should consider. The first thing you should consider is your debts and other final expenses that your family would be responsible for. The primary goal of your life insurance policy is to give your loved ones the money that they need to pay off all of your debts like your mortgage or car payments. If you don’t have a massive amount of debt, you can consider getting a burial insurance plan that will save you money on monthly premiums.
The next factor that you should consider is your paycheck. The secondary goal of a life insurance plan is to replace your stream of income if you were to pass away. If you’re one of the primary income earners in your household, they will struggle financially if something tragic were to happen to you. If you don’t have anyone that relies on your paycheck, then you can consider purchasing a burial insurance plan.
Insurance Without The Medical Exam
The best advantage for anyone that wants to get a burial insurance policy to help pay for a mausoleum is that you can get insurance protection without being required to take the medical exam. Because these are much smaller policies, the company isn’t going to require a medical exam, which means that regardless of your health or any pre-existing conditions, you’ll still be able to get life insurance protection.
Additionally, you’ll be able to get life insurance much quicker than you would with a traditional life insurance plan. Because you aren’t required to take a medical exam, you can get life insurance in a matter of days versus the month that it can take with a life insurance policy. If you want to get insurance as quickly as possible, these burial plans are an excellent option.
Everyone deserves to have an affordable plan that will give your family the money that they need, and these burial plans are an excellent way to do that. If you have any questions about burial insurance or the different options available, please contact one of our agents today. We would be happy to answer those questions and ensure that you’re getting the best plan available.
You never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the protection that they need. We know that finding a quality and affordable plan can be a long and frustrating process, but it doesn’t have to be. Our agents are here to make the process as quick and simple as possible.