What do you need to know to take out funeral insurance?

The French have increasingly made the choice in recent years to take out funeral insurance. On the market, insurance companies offer different funeral cover formulas to populations. If you continue to hesitate to opt for this type of guarantee, we invite you to discover in this post the reasons why you should take out funeral insurance.

Funeral insurance: what is it?

As its name suggests, funeral insurance is a guarantee that offers an individual the possibility of providing the funds necessary to finance their funeral. in his lifetime. Friends and relatives are therefore spared the constraints relating to the organization of this unfortunate event. Indeed, upon the death of a person who has taken out this insurance, an amount corresponding to his contributions is paid to his relatives, precisely the beneficiary he has designated, in order to meet the various expenses related to his funeral.

The different funeral insurance plans

To take out funeral insurance, you must find out about the different options available, and go directly to Lassurance-obseques.fr. These include in particular the funeral agreement in capital and the funeral guarantee in personalized services.

Capital funeral guarantee

By opting for a capital funeral agreement, your insurer will pay your subscription to your loved ones upon your death. This sum should be used for the payment of funeral expenses. This will save your loved ones expenses related to the event. However, your family will have to take care of the organization of your funeral, by recruiting and paying the necessary service providers, from the capital that you will have built up during your lifetime.

The agreement in personalized services

The personalized service agreement is a more comprehensive formula than the capital funeral guarantee. In effect, this option will allow you not only to finance your funeral, but also to anticipate in the smallest details, its organization. Your loved ones will therefore not have to worry about the costs relating to your funeral, even less about the decisions to be made for the organization of the event. Your insurer will take care of strict compliance with the roadmap that you will have drawn up during your lifetime.

Why you should buy funeral insurance

You should choose to purchase funeral insurance for several reasons.

Save financial stress for your loved ones

With an average sum of 3500 euros, the organization of the funeral has a significant cost that it is best to take care of yourself while alive. Indeed, since you cannot predict the financial situation of your loved ones when you die, it is better to spare them any financial stress. In addition, be aware that the prices relating to the organization of funerals have been constantly rising for several decades. By signing a funeral insurance contract that takes this development into account, you will have the assurance that your body will not be a burden on your family.

Maintain harmony within your family

Funeral insurance, in particular, the personalized benefit formula, will spare your family any tension relating to the organization of your burial. Indeed, the beliefs not being the same, your loved ones may be divided on the choices to be made for your funeral. Whether it is a cremation, a burial, a religious or civil ceremony, you will have already decided during your lifetime all the sensitive questions relating to the organization of your farewells, by subscribing to an agreement in personalized services. Thus, you can rest in peace, with the assurance that your body will not be a source of weakening of harmonious relations within your family.

Funeral insurance worthy of the name for retirees

The funeral agreement is particularly important for retirees. Indeed, the compulsory scheme for people in activity covers them in different situations, including in the event of death. Unfortunately, this protection stops as soon as they stop working. Opting for a funeral guarantee will therefore allow you to live with assurance that you will receive a proper funeral upon your death.

How to choose your funeral insurance policy?

Before taking out a funeral contract, you must take into account a certain number of parameters. These include in particular:

  • Consider your needs : depending on whether you want a burial, a cremation, etc., you must opt ​​for a subscription that can fully cover the expenses related to your farewell. To do this, please find out about the total amount of your funeral option;
  • Choose a payment method that suits your profile : elderly people are advised to pay their subscription in one instalment. The youngest, on the other hand, can opt for a monthly or quarterly payment.

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