ANYONE who "presents" or hands over ANY insurance policy to a funeral home, whether with a POA or by any other means, has no business handling an estate. A competent funeral director will handle getting the certified copies of the death certificate to the beneficiary, who should have enough common sense to contact the insurance company and obtain the proper instructions to file a death benefit claim. The proceeds of the policy should go directly to the beneficiary, without anyone, including a funeral home, acting as an intermediary.
If you can handle a calculator and balance a checkbook, you're smart enough to file your own claim for the death benefit from a spouse's policy. Just make sure that any paperwork sent via mail to the insurance company goes certified mail, with return receipt or other proof that it reached its destination. Then when you recieve the proceeds, you can pay the funeral costs out of that. As long as you don't sit wringing your hands, you can have that check in a couple of weeks, if your insurer is any good at all. And most reputable funeral directors will work with you for a couple of weeks.
But don't buy into the insurance industry-speak that it's a mysterious world of mumbo-jumbo that only specially trained people can understand. Find an agent you can trust, and ask questions. If you don't like the answers you get, find another company and agent and ask those same questions...and so on, until you fully understand the options you have, and the procedures you need to follow, and you find a policy that covers your needs. DON'T take the first option you see. Compare agents, compare comapnies...and if you end up back where you started, you'll at least end up with peace of mind knowing you did your homework. And if your agent is selling you a policy as an investment, RUN the other way...FAST!!! Insurance is not so much an investment as a wager: the company is betting you're not going to die before they make a ton of money on you, and you're betting that you will. The peace of mind behind insurance is knowing that there's a set amount the beneficiary will receive no matter who wins the bet. So make sure the face value of the policy is enough to ensure that peace of mind.
We sell tractor parts! We have the parts you need to repair your tractor - the right parts. Our low prices and years of research make us your best choice when you need parts. Shop Online Today. [ About Us ]
Today's Featured Article - Uncle Cecil's Super A Lives Again - by Mike Purcell. A week or so out of most of my childhood summers was often spent with my Uncle Cecil and Aunt Sissie in the small East Texas town of Maydelle on their 80 acre farm. Some of my fondest memories of these visits are those of learning to drive a tractor at the helm of Uncle Cecil’s 1948 Farmall Super A. Uncle Cecil was the second owner of this wonderful little tractor, but it was almost as though he had adopted an infant. The original owner was a man from Minnesota who bought her from a local dea
... [Read Article]
Latest Ad:
Sell 1958 Hi-Altitude Massey Fergerson tractor, original condition. three point hitch pto engine, Runs well, photos available upon request
[More Ads]
All Rights Reserved. Reproduction of any part of this website, including design and content, without written permission is strictly prohibited. Trade Marks and Trade Names contained and used in this Website are those of others, and are used in this Website in a descriptive sense to refer to the products of others. Use of this Web site constitutes acceptance of our User Agreement and Privacy Policy
TRADEMARK DISCLAIMER: Tradenames and Trademarks referred to within Yesterday's Tractor Co. products and within the Yesterday's Tractor Co. websites are the property of their respective trademark holders. None of these trademark holders are affiliated with Yesterday's Tractor Co., our products, or our website nor are we sponsored by them. John Deere and its logos are the registered trademarks of the John Deere Corporation. Agco, Agco Allis, White, Massey Ferguson and their logos are the registered trademarks of AGCO Corporation. Case, Case-IH, Farmall, International Harvester, New Holland and their logos are registered trademarks of CNH Global N.V.
