Friday, June 24, 2011

Serious Thinking

We've been doing some serious thinking. We hope Jan is going to be around for a long time, but what will we do if she isn't? The bills will still come due. The funeral home will want a big deposit. Who will pay all the funeral expenses? More importantly, how will we pay for our food while we grieve? We do eat a lot, you know!

So we looked into life insurance for Jan and found a company online called BurialInsurance.org.

We're kind of new to this insurance thing, so we were intrigued by the types of insurance they sell: Funeral Insurance, Senior Life Insurance, Affordable Life Insurance, No Medical Exam Life Insurance, and Burial Insurance for Seniors.

We have a couple of questions for them. 1) Does Affordable Life Insurance mean we furries can insure Jan for whatever pocket change she drops on the floor and can't bend over to reach each month? 2) Why isn't there a category for Jan - insurance for the Forgetful and Creaky?

We checked on burial insurance by state and found in Georgia we could insure Jan even if she's 90 years old. We think she passed that age at least 240 years ago, but maybe they could make an exception. 

If you live in the United States and you or your loved one is a senior, you can check out resources for them at USA.gov.


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12 comments:

  1. Thanks, for this information...you know Mumsy is old too and we need to think about that stuff so we are gonna check it out. Hugs and nose kisses

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  2. My dad had a burial policy that was purchased about 20 years ago. When he died this February, I changed a lot of the plans that had been made (not by him), and the funeral ended up being way less than the policy value. I was shocked that they sent me a check for the remainder. I think burial policies are wonderful. It's so nice not to have to worry about the costs when there are so many other things going on.

    ANYWAY (Fuzzy and Zoe taking over for our mom), we hope that Jan doesn't need a burial policy for about a squillion years!

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  3. thats some good info
    Benny & Lily

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  4. Mom has started thinking about stuff like this too. She wants to have plans in her will for our care too if something happens to her.

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  5. Thank you fow that infowmation..mommi has made awwangements fow me, but she can't affowd insoowance and figoowes someone can just thwow hew in the hudson wivew when she bits the dust.
    It sounds like youw Mom is a lot youngew and less fowgetful and cweaky than my ancient one, hehehe
    I was sad to see youw fwiend bubbles had to cwoss the bwidge..i nevew knew bubbles but know that he will be missed by many heawts
    smoochie kisses
    ASTA

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  6. Our human has made arrangements to give a sizeable amount of her estate to Best Friends so they will take us if there is no one else. However, as everyone loves us we suspect that someone would take us in!

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  7. Oh, insurance? One more bill to be paid. I don't think we can afford it, not at present. SS has arranged for me to be looked after if she kicks the bucket before I do. She figures they can't sue her for unpaid bills if she is dead.

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  8. The mom worries about this too..She has term life insurance through her work, though, but needs to have a will to state what she wants, what that money would be used for, etc. Right now her mother and father know her wishes, and she has it all written down, but if she outlives them, then she really better get off her butt and get a will.

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  9. OMD, ya'll is making me think too much and too early...hehehe!
    I need a policy fur moron mums...hehehe!

    Puddles

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  10. Thanks for the information... we've told mom about this and she said she may not be able to afford our insurance... but anyhow maybe we could arrange something :)


    Hugs n kisses,
    A&J

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  11. That sure is something that humans need to thing about...like it or not!

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  12. TBT says he is leavin us a fortune. But we suspect that means all the canned Stinky Goodness in the house an taxi fare ta the shelter. We have suggested ta him that he make better arrangements.

    If not, we may have ta nibble on his toes at night until he changes things.

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