Preparing for Peace of Mind: Life Insurance for End-of-Life Planning
May 16, 2025
Types of Life Insurance You Should Know
There are several types of life insurance, but only some are ideal for end-of-life planning. Here's a quick breakdown:
✅ Term Life Insurance
- What it is: Coverage for a specific time period—usually 10, 20, or 30 years.
- Best for: Those looking for affordable, temporary protection.
- Good to know: If you outlive the term, the policy expires with no payout.
✅ Whole Life Insurance
- What it is: A permanent policy that lasts your entire life and builds cash value over time.
- Best for: Long-term financial planning and guaranteed benefits.
- Good to know: Premiums tend to be higher, but the coverage never expires as long as payments are made.
❌ Not Accepted forms of payment for End-of-Life Planning at Roberts Funeral Home
- Group Life Insurance: Provided through employers or organizations, but coverage often ends when you leave the group or retire.
- Annuities & Contestable Policies: We do not accept these due to their complex rules and payout restrictions.
📝 Immediate Life Insurance Checklist
When the time comes, having everything ready helps avoid delays and confusion. Here’s a checklist to help make sure your policy is ready:
- Locate the Policy: Find a physical or digital copy of your life insurance documents.
- Check Policy Status: Make sure premiums are up to date and the policy is active.
- Identify Beneficiaries: Ensure the listed beneficiaries are current and accurate.
- Review Exclusions: Be aware of any waiting periods or clauses that may limit payouts (e.g., suicide clause, contestability period).
Many people believe that choosing cremation means there will be no viewing or funeral service. This is a common misunderstanding. Cremation is simply a final step—it does not prevent families from gathering, remembering, and honoring a loved one through meaningful services beforehand. Why a Service Matters A visitation or funeral service gives family and friends the opportunity to come together during a difficult time. Many families find comfort in: Seeing loved ones come to pay their respects Sharing stories and memories Feeling supported by the presence of others When services are held, people are far more likely to reach out, attend, and offer comfort in person . Personal Touches That Celebrate a Life Services allow families to create a tribute that reflects the individual’s life and personality, including: Photo and video tributes Meaningful music and readings Beautiful floral arrangements Personal displays and memorabilia These details help tell a story, spark conversation, and create lasting memories for those who attend. Viewing Can Be an Important Part of Healing For many families, a viewing provides a peaceful opportunity to say goodbye. It allows loved ones to see the person at rest and can be an important step in the grieving process. We’re Here to Guide You Every family is different, and there is no one-size-fits-all approach. If you are considering cremation, we encourage you to explore the option of having a visitation or funeral service first. Our experienced staff is here to help you create a meaningful service that honors your loved one and brings people together when it matters most. Contact us today to learn more about cremation with funeral services.
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Discover what funeral directors do—from grief support and funeral planning to cremation and memorial services. Learn how we guide families with dignity and care.
Visiting Roberts Funeral Home? Learn what to expect when you arrive—from compassionate staff and peaceful spaces to expert funeral planning guidance and respectful care for your loved one.
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While many funeral homes send loved ones to off-site facilities for cremation, we do things differently — with our private, on-site crematory, Remembrance Cremation Center , your loved one remains in our care every step of the way.
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