Capt. Rob Hamilton
Vicki Hamilton


2211 Ashley Oaks Circle
Wesley Chapel, FL 33545

Office: 813.994.5399
Cell: 813.431.5887
Fax: 813.762.1302

Three Reasons You Must Plan for Final Expenses

If a death occurred in your family today, what would you be worried about tomorrow? Would you be worried about money or your loved ones? See why planning is vital.
What you do now can determine whether your thoughts will be focused on paying for the funeral or helping your loved ones cope with a loss.
Funeral bills often represent the largest single expense an average family will ever have excluding a house or an automobile. Most people are totally unprepared; have no experience making final arrangements and all the time emotions cloud reasoning, causing unnecessary expenses to rise.
The costs associated with a funeral add up quickly and according to the U.S. Senate Special Committee on Aging**, the average cost of a funeral is approximately $8,495 and can easily exceed $10,000 or more. Extra’s like flowers, obituary notices, burial liners or vaults, limousines, acknowledgment cards – they all add up to a major expenditure, right at a time when you least expect it.

Doesn’t the government help cover these expenses through Social Security?

The sad reality is that Social Security will only pay out a Lump Sum Death Benefit of a whopping $255* if you qualify for it! This fact is one very big reason to plan ahead. It’s important to take your time when deciding on the funeral service. Don’t let yourself be pressured into buying goods or services you don’t want, and then end up having to spend years paying off the funeral.

Planning ahead will save you money

Planning ahead gives you the ability to comparison shop which will help you save money and that’s why planning ahead makes sense. It’s a “when” strategy, not a “whenever”. A simple, low cost final expense plan unburdens family members from many of the mundane and confusing decisions that need to be made quickly when there is an unfortunate loss of a family member. It clarifies your wishes, creates a way to pay the bills, and relieves unnecessary stress.

Less Stress

When you plan ahead and have a final expense plan in place before it is needed, you are reducing both the financial and emotional stress that is all too common.
Give yourself and your loved ones peace of mind by becoming an informed consumer now that you know the three reasons you must plan for your final expenses. These reasons are:
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  • Social Security death benefits are little help.
  • You can save money by shopping around and planning ahead.
  • You will reduce stress at a time when things are very stressful for loved ones.

*According to Social Security Rules and Regulations 404.390

** U.S. Senate Special Committee on Aging, May, 2001

Contact Smart Health & Life Insurance today to start planning ahead.

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