Blog | Sytsema Funeral & Cremation Services

What to Look for When You are Buying Final Expense Insurance

Cost is important, but it’s not the whole story. Take a look at the premium, the amount you will pay each month, how long will you pay that amount? It is not uncommon to pay until you are 100 or even older. Will you be able to pay that amount each month as you age? What if you live to be 100? Will the benefit stay in place? How much will you have paid in by that time? It’s not unheard of for people to end up paying more than they will receive in death benefits.

Look at the coverage. How much will be paid on your death? Most policies are for a fixed amount your family will receive when you die. This is the death benefit. How soon will you be covered for the full amount? Sometimes you will need to make payments for as long as two years before you would be eligible for the full death benefit. Often the death benefit stays the same over the course of your lifetime. So, as you age and the price of funerals increases, your policy is at risk of falling short and not providing your family with enough to cover the cost of your funeral.

Before you sign anything, call your local funeral home. Ask for an appointment with the funeral professional who takes care of advance funeral planning. When you meet with this individual be straight forward. Share your financial situation. See what the funeral home has to offer.

Most of the time the funeral home’s funding program is a little more per month but you make payments for a much shorter period of time. So, you pay much less in the long run. If you are in good health you will most likely be covered as soon as the policy is issued. Some funeral homes even offer a cost guarantee which means you have no worries about the rising cost of funerals.

It’s always worth the extra time to be sure you are getting the best final expense coverage you can afford. The one that will really be there for your family when it’s needed.

www.sytsemafh.com

Death and Taxes

Death and taxes (seemingly unlikely bed fellows at first glance) are often linked together because they have long been considered unavoidable life events. Some even say they are the only two things that are certain in life. Neither is something people typically look forward to, but they are both events that are anticipated and can be prepared for in advance.

This is the time of year when folks hope they have prepared well for their taxes. Most people prefer to get a tax refund rather than a tax bill. They hope the calculations have been made correctly and the payments made throughout the year will be enough to offset the sting of a big tax bill come April 15^th.

Hmmm… come to think about it, most folks don’t typically look forward to a big funeral bill at the end of their life either. Few want to leave their family responsible for funeral costs. However, many people don’t plan to offset that expense like they do their taxes.

Even though most people, 62.5 percent according to the National Funeral Directors Association’s (NFDA) annual Consumer Awareness and Preferences Study, think it’s important to plan in advance. Only a small percentage (21.4 percent) actually act on their good intentions. Why? They have the perception that prepaying is too costly.

Most people are unaware that prepaying does not mean you must pay in one single payment. Many funeral homes offer specialized programs that allow funerals to be paid in advance, just like taxes, in small, easily-digested bites. Payments can be made on a variety of schedules allowing the consumer the opportunity to choose how long to stretch out payments and how often to make those payments. Individuals can even choose to make one payment per year! That means a person could choose to put their tax refund toward their funeral. Taxes could pay for death!

What about that roughly one quarter of people who do go beyond thinking they should make a funeral plan and actually make one? How do they feel once they have their plan in place? Ahh, they feel good. Funeral planners often say they see shoulders go down, hear audible sighs of relief and get hugs at the conclusion of a planning session. It’s like cleaning out the junk drawer: something most folks put off, but when they dig in and get it done, it feels so good they just keep going back to sneak a peek at that drawer all in order.

www.sytsemafh.com

What is a Celebration of Life?

Do you have to be rich or famous to have a celebration of life?

The celebration of life is the personal or individual aspect of a funeral service. It is about the person who died. It is about their relationships, their loves, their passions, their accomplishments, their beliefs, their talents. It is about what and who they cared about as they lived their own unique life. How did they make a difference?

A person does not have to be rich, or famous, or even publicly successful to have had a life that can be celebrated. Maybe they were simply a dependable friend, or a loving parent, a great teacher, or just fun to be around. Isn’t that enough reason to celebrate?

A celebration of life can be compared to a couple writing all or part of their own vows for a wedding ceremony. It is the part of the service that is about the person. It can be the cookies they baked, the children they raised, the oceans they sailed, the buildings they built. What made them who they are and different from the person who was in this funeral home last week? Why will they be missed?

Believe it or not, every person is unique. We all have a unique fingerprint, ear shape, and “thermal plume”. Our own little cloud formed of a combination of 44 compounds given off by our bodies as we strut our stuff around town. We are unique. That is what a celebration of life is all about, who we were and how we touched others as we lived our life. Anyone can have a Celebration of Life.

A Life Celebration is not an either-or proposition as in “should we have a religious funeral or a Life Celebration”. It is an and also proposition. You can have both. Especially when a person has a strong belief system that is just part of who they were. Talk to your funeral director. He or she can help you both honor faith and celebrate life.

www.sytsemafh.com

Preplanning Your Funeral in your 60’s

According to a National Funeral Directors Association survey, more than half (62.5%) of us expect to participate in making our own funeral arrangements. And yet, less than a quarter of us have actually acted on that impulse. Not really so surprising since making funeral arrangements can literally be the very last thing we do. We can put it off right up to the end!

So, when do you think you should just go ahead and get it done? How about when you are critically ill? Or, maybe before you go on that cruise? Does when you go into the nursing home seem too late? How about as you are preparing for retirement? Actually, sooner is better than later for several reasons.

First, there is no down side to having your arrangements in place. If something new comes along or you change your mind about what you want, you can always make changes to your plan. If you move, you just move your plan. Nothing is carved in stone.

Second, there are some real up-sides to getting your funeral plan written and on file at the funeral home. For one thing, you just never know. people do die unexpectedly. And then there is the money. Historically funerals, like almost everything, have gone up in price over the years. The funeral of today will likely almost double in cost in 10 years. Why are you waiting?

Prearranged funerals are often funded in a way that buffers or even eliminates the impact of rising prices. You buy at today’s prices and you are done. When you plan in advance you also have the benefit of being able to pay over a specified period of time (you choose). As you age your choices become more limited. When you make your arrangements while you are in reasonably good health the cost of your funeral can be paid in full should you die before you’ve completed your payment cycle. Again, sooner is better than later.

The early 60’s is a good time to visit your neighborhood funeral home and get your plan written and on file. This is when you will get the most out of the funding options. It is also when you are likely to have a good idea of what you will want in the way of services. At this age you are grounded, and you are likely to still be earning income. Making payments for a bit will hardly be noticed. Then when you retire, and take that cruise, you can just enjoy. You’re all set to just enjoy the rest of what life has to offer.

www.sytsemafh.com

Grief is Individual

Let’s talk about the stages of grief. There is denial, anger, bargaining, depression and acceptance. I studied them in nursing school, reviewed them when I got divorced and generally found them to be a pretty accurate and helpful bit of knowledge. And then, a family member died. Stages?

In our house it was more like we all went to the amusement park and were all on very different rides. Up and down, round and round, quiet and loud. We were definitely not that family walking together peacefully along a path through stages. We were all a bunch of nuts. Although we love each other, we were dangerously close to coming apart at the seams.

I don’t think we are the only ones. Death is the number one stressor for families. I’ve seen families break under the weight of illness and loss. Funeral directors will tell you the hardest part of their work is dealing with families who are emotionally fragmented.

We all experience grief differently. It’s a singular journey. But you have to get along. If you don’t work it out you risk losing your family, not just the one member who actually died. So, what helped us?

Deep breathing and listening, I mean really listening to understand not just hear. Recognizing anger as an expression of fear. Seeing frenzied activity as a coping mechanism for helplessness. Making room for each other’s ways of expressing love.

Accepting the prayers and the mementos even when the prayers aren’t ours and the memento is not what we would choose for a funeral.

Being tolerant of each other’s needs and expression of their personal grief. Looking for what’s motivating the behavior not just the behavior itself. Being kind and tolerant. Hugging the huggers and giving the non-huggers their space. Letting go of judgment and making room for differences. I mean really, so what if your sister cries loudly? What’s the harm?

The days before a funeral, the time during the arranging of the funeral and weeks following a funeral are not easy. You and your family can come out of it broken or stronger.