Funeral flowers from grandkids offer a way to express grief, respect, and love when someone passes away. These beautiful blooms do more than simply decorate a funeral or memorial service; they convey emotions that words alone cannot capture. Whether it’s a simple bouquet or an elaborate floral arrangement, each flower symbolizes something deeper, helping family and friends cope with loss. But why are funeral flowers so important in grieving, and how do they help those left behind heal? The Importance of Funeral Flowers In this case, funeral flowers are a true symbol of love, respect, and memory; the threads of life and death intertwined by the beauty of nature. They are not just flowers, but they are expressions of cultural acknowledgment to the ancestors who have died and a powerful testimony of the unceasing movement of life. These blooms signify love and cherish the memories and experiences that define every life. The Funeral Flowers from grandkids are considered an important part of their way of mourning the death and saying the final goodbye to their beloved grandparents. Funeral Flower Etiquette for Grandchildren of the Deceased Funeral etiquette regarding flowers and what, if anything, to send relatives of the deceased appears daunting but is, in truth, far simpler than most at first think. The sending of floral flowers for the death of a lady and the presence of flowers and plants in your name at a funeral, cremation, or memorial service serves many purposes. The expression “flower power” springs to mind as the grace and natural beauty of flowers speak volumes of your sentiment: offering comfort; an expression of kindness and a token of respect to both the deceased and family members. Anyone may send flowers from grandkids for the funeral to the service on behalf of yourself, your family, your friends, or a set of acquaintances, be it through work or play. We trust that this breakdown in your relationship with the deceased helps you determine what to send in terms of flowers: Terms Meaningful Messages to Include on Funeral Flower Cards There’s nothing wrong with keeping your funeral flowers’ message simple. Just a few words can be more than enough to show how much you care and can offer real comfort to those going through difficult times after a loved one’s passing. What’s more, cards sent with flowers can often be small, and not leave much room for lengthy messages. We’ve included in Funeral flowers from grandkids some short, Sweet examples below: If you have the space to write something a little longer, take a look at the ideas below and see if any of them resonate with you: What to write on funeral flower cards from grandchildren Oftentimes, the loss of grandparents is very painful because people have a special affection towards their grandparents. While everyone tries to express their feelings of affection and appreciation during the loss of a loved one, sometimes choosing the right words: Funeral flowers from grandkids can help ease the sorrow. Meaningful flower choices for grandparents’ funeral Funeral flower arrangements from grandchildren for a loved one who has died are a daunting task. Having so many choices when it comes to the colors of a flower or types of flowers, one can feel comfortable that they have chosen the right one to pay homage to their cherished one. Below are the funeral flowers that are most preferred today and their symbolism. Lilies If you have ever assisted or participated in the funeral of a relative or friend before, then you will have realized that most of the flowers used, had lilies within them. Lilies are among the most frequently chosen affordable Funeral flowers from grandkids because they represent the purity and the spirituality of the soul that has left the earth recently. While these flowers come in various colors, the white color is most appropriate for funerals. Roses It is important to note that while red roses are commonly considered a symbol of love and passion these flowers can be ordered for funerals. Roses come in various colors and every color has its own significance and when choosing rose colors for funeral services. In funeral occasions, red roses are used and they are associated with love and sorrow. White roses for example as well as white lilies depict purity. Carnations Carnations are the most popular flowers to use in funeral wreaths due to their vibrant hue, low cost, and meaning. All colors of carnations have different meanings; therefore, when choosing flowers for the funeral of your loved one, it will be wise to consider this. When giving red carnations, it symbolizes love; white, purity, and reborn. The deceased needs to be a Catholic or Christian – since it is believed that the Virgin Mary shed tears and created pink carnations. Orchids ‘Orchids for funerals are not just for beauty!’ While an orchid plant may not have the Sullivan appearance of a large bouquet of roses or carnations it is of great comfort to those who have lost a loved one. If you are planning on sending flowers at a funeral, an orchid plant signifies eternal love for the deceased. It is also important to note that in case you would like to give an orchid plant to a friend, a neighbor, or anybody you are condoling with they should go for the white or pink orchid as they are to do with sympathy. Chrysanthemums As one of the most used funeral flowers in almost all parts of the globe, there is none more famous than the chrysanthemum. Its symbolism differs from one country to another. For instance, Koreans and Japanese associate the flower with death and sorrow, mainly because it symbolizes death in Buddhism. Chrysanthemums are associated with truth in American culture. This is one of the Best flowers for funerals from grandkids with regards to funeral flowers and it can be combined with other preferred flowers regardless of the place where you live. Gladioli The gladioli is an elegant flower that
How to sell commercial insurance? Key Tips for Success
Selling commercial insurance can be a great opportunity for those looking to make a difference in the business world. As companies grow, they need the right coverage to protect their assets and operations. But how can you grab the attention of potential clients and show them why they need your services? Understanding their unique needs and building strong relationships is essential for success. Let’s explore all about How to sell commercial insurance. Tips on How to Sell Commercial Insurance Commercial insurance selling is not just the ability to articulate your selling proposition brilliantly; it is about knowing your client’s needs and then presenting yourself or your company as the solution to those needs. Here are five tips to help you to How to sell commercial insurance: More Listening Less Speaking Often people get so engrossed in policies and coverage. But the art of sale mainly centers on listening. As with any project, it’s crucial to get acquainted with your client and the environment in which he operates. Thus, by listening really, you can view what you are going to say as an opportunity to correctly adapt to their needs to make them feel recognized and comprehended. Inform Your Clients Commercial insurance is often complicated and your clients can be forgiven for not fully grasping every little detail of the policies that you offer. Step into the shoes of an educator. Simplify the coverage and explain to them the available options, so they can also learn how each policy fits their business. The use of information hence plays a critical role in ensuring that the choices made by the client are confident and this makes the sales process easy. Highlight Your Specialization Remember the golden rule: Specialization is an essential keyword in commercial insurance sales! Your area of specialization should form part of your company’s selling proposition. Stress the fact that no generalist will know as much about their field as you do after having read hundreds of texts. Provide specific solutions Commercial insurance does not come in the jack-of-all-trades model. It is very important to ensure that the solutions given meet the needs of each client. When it comes down to it — it’s all about customization; it could pertain to coverage limits, policy packages, or endorsements that align with a specific niche. Customers appreciate products/services developed specifically for their business and more often, this aspect becomes the key to either embarking on the business partnership or not. Long-Term Relations When it comes to How to sell commercial insurance, it is more about long-term relations rather than a one-time closed deal. It is your way of showing your clients that they matter beyond the point when you are making the sale. Check on them frequently and ensure that they provide you with their new needs and the changes that have occurred in the market. Besides enhancing your rapport with your clients, it also creates opportunities to do business with the same clients again in the future. Why Specialization Matters in Commercial Insurance Sales When one is aspiring to be an insurance sales professional, there is a need to determine whether you would plan to delve into one area of the business or multiple areas. It is true that both roles are significant and that the marketplace requires both. Well, there is the obvious question that anyone with such a decision in front of them might ask, “How should I decide?” If you prefer something more particular such as targeting a specific niche of customers or type of products, then you should consider becoming a specialist. Last year, insurance specialists typically operated in a specific area of specialization – such as employee benefits. Both you and your business understand that management and even owners need assistance in sourcing products and services required to attend to the healthcare needs of their employees. You can further focus on specialization by targeting selling only or primarily (or targeting mainly) to companies with two to fifty employees. You may write for groups of any size at all, but somehow your niche is going to be companies interested in particular areas such as manufacturing, farming, nonprofit organizations, or twelve other specialties. Your specialization empowers you to focus on an industry or market segment, become an expert in it, and bring more value to your customers by educating them on what is available in the market to address their needs. How to Sell Commercial Insurance? Selling commercial insurance is a great way to build a successful career in the insurance industry. To succeed, however, you must understand the basics of commercial insurance and how it works. Here are some tips on How to sell commercial insurance: Know Your Products: Before learning How to sell commercial insurance, you must familiarize yourself with the different policies available. Researching and understanding the coverage options can help you advise customers on which policy is right for them. Network: Developing relationships in the insurance industry is vital to success when selling commercial insurance. You need to establish a strong network of contacts so that potential clients can easily find you and that you’re in the loop on the latest products and services. Have a Systematic Approach: Selling commercial insurance requires an organized approach to ensure that you efficiently work with potential customers and give them the best advice. Start by producing a timeline of tasks, such as researching new policies, contacting leads, sending quotes, and following up. Utilize Technology: Technology can significantly help in How to sell commercial insurance. Invest in software that sends automated emails, tracks client leads, and stores customer information for easy retrieval. This will allow you to focus on building client relationships rather than wasting time on clerical tasks. Practice Your Pitch: The success of a sales pitch often comes down to the presentation, so you must practice beforehand. Rehearse your introduction and be prepared to answer questions. Remember that customers are looking for a policy that meets their needs, so focus on how your product will
Grow Wealth with a Life Insurance Retirement Plan LIRP
It can be hard to plan for a secure future and financially prepare the family, but now a solution combines both goals. LIRP Insurance– Life Insurance Retirement Plan is not simply a policy that will pay off in the event of a person’s death; it also allows for the tax-favored accumulation of assets for retirement. It is important to understand that with LIRP, you can increase your savings while also experiencing the benefits of lifelong insurance. Is this the best way to guarantee your family’s security as well as your future when you retire? What Is LIRP Insurance? A life insurance retirement plan refers to an investment solution that is in the form of a permanent and tax-deferred plan similar to the Universal Life insurance investment solution where an individual receives guaranteed interest on the amounts deposited over time and which is useful for retirement money or any other desired need. LIRP insurance cannot be term life insurance since term life does not have the cash value component. Another advantage that can come from an LIRP is the tax benefits of such a plan. The cash value grows tax-deferred meaning that you are not charged taxes on any profits until you make a withdrawal. Further, policy loans are generally tax-free provided that they are not more than the amount paid as premiums. Life Insurance Retirement Plans vs. 401(k)s and IRAs LIRPs are not a replacement for 401(k)s and IRAs. However, they can be used in conjunction with retirement plans, which work differently. LIRP vs 401(k)s Here’s how a 401(k) plan compares to an LIRP insurance policy. Group insurance vs. direct purchase. While a 401(k) plan is provided and run by an employer an LIRP is controlled on an individual basis. Employees can be recruited into their employer-sponsored 401(k) plan and there is not much that you can do to influence it. Matching contributions. A 401 (k) characteristically offers a matching-contribution option by the employer – an excellent means of enhancing retirement savings. This feature is missing from LIRPs. Contribution limits. The IRS has an annual contribution limit to 401(k) s, which will be $22,500 in 2023, while LIRPs do not have any such limit. Therefore, you can save more for retirement in an LIRP. However, it will be useful to understand that if you contribute too much to your LIRP, in terms of tax code 7702, it will transform into a modified endowment contract, which is charged differently in terms of taxes. LIRP vs. IRAs A life insurance retirement plan combines features of life insurance with the potential for cash value, while an IRA is simply an investment vehicle. Below is a breakdown of each. Tax advantages. There is no taxation on the withdrawn amount after reaching the age of 59½ if the withdrawals are made from LIRPs just like Roth IRAs. Contributions to Traditional IRAs, on the other hand, do not have immediate tax benefits but taxes are paid in the future upon retirement. Contribution limits. The IRS allows the contribution of $6,500 per year if the person is under 50 and $7,500 per year if the person is over 50 in 2023 for traditional IRAs But for LIRPs, there is no such limit for the contribution. This means that you have the prerogative to save more for retirement in an LIRP bearing in mind that if the LIRP is overfunded beyond what tax code 7702 allows it transforms into a MEC means higher taxation.• Mandatory distributions. Blends life insurance with potential cash value growth, while an individual retirement account is purely an investment account. Here’s a closer look at how they compare. Tax advantages. LIRPs are similar to Roth IRAs in that you don’t pay taxes on withdrawals after you hit age 59½. Traditional IRAs defer your taxes until you make withdrawals in retirement. Contribution limits. IRAs have annual contribution limits—in 2023, $6,500 if you’re under 50 and $7,500 if you’re over 50—but LIRPs do not. So, you have the power to save more for retirement in an LIRP, with caution that if you overfund the LIRP more than tax code 7702 allows, it will become an MEC and be subject to different taxation. Required minimum distributions. As for age-related rules, while traditional IRAs allow withdrawals in retirement up to a minimum amount also known as RMDs for short for required minimum distributions, LIRPs do not. Unlike mutual funds or other investment vehicles, you can leave your money invested in a LIRP for as long as you desire. The distribution rules for Roth IRAs start only after your death. How Does a Life Insurance Retirement Plan (LIRP insurance) Work? As compared to term life insurance policies, a portion of the premium paid goes into cash value where, depending on the type of policy being used, money can be invested. Whenever extra payments, interest accrued, investment, or the receipt of dividends add up to the cash value you are able to surrender the policy, borrow on it, or surrender it for cash. However, there may be tax consequences for this based on your policy and or the circumstances that surround you. You could spend it on necessities such as food and shelter or perhaps housing and other needs once you are out of work during the later stages of your life. You can make as many contributions as you want to the LIRP account, however, if you fund it heavily at the beginning the IRS may tag the policy as a MEC. This will alter the policy’s tax considerations. This makes it necessary to consult your financial advisor or insurance broker to understand all the terms governing an LIRP and to avoid violation of federal tax limits in cases where you opt to overfund your policy premiums. LIRP insurance pros and cons Here are the primary potential advantages and drawbacks to consider with a life insurance retirement plan: Pros Cons Tax-free distributions Non-deductible contributions Tax-free death benefit Higher cost Guaranteed interest rate (whole-life policies only) The interest rate
Insurance American Classic MYGA Annuity – Updated (2025)
Do you want to invest your money and ensure its safety at the same time, knowing that your money will grow? Do you need an Insurance American Classic MYGA Annuity? However, what makes it different from other similar opportunities? This MYGA annuity has competitive interest rates that guarantee predictable and fixed returns as well as flexible terms that create a stable foundation for your long-term financial planning. Want to know how it can help your investment plan? Let’s dive in! What is a MYGA Annuity? A multi-year guaranteed annuity (MYGA) is a type of fixed annuity. They have a guaranteed interest rate, usually lasting for three to 10 years. MYGAs best suit those close to retirement-seeking tax deferral and investment return guarantees. What is the American Life Insurance American Classic MYGA Annuity? The American Classic MYGA Annuity is a fixed annuity with a guaranteed rate for a set time, usually 3 to 10 years. Your principal is safe, and you get a steady income in retirement. Key Features of the American Classic MYGA Annuity The American Classic MYGA Annuity has many benefits: How does the American Classic MYGA Annuity Work? American Life Insurance American Classic MYGA Annuity is a combination of guaranteed and flexible retirement income plans. It is for those who seek to ensure that their money is well spent and reachable to fund other areas of need. This product has been developed with all the needs of those who are planning in mind. This annuity promises a guaranteed fixed interest rate for a set time. This means you get a steady income in retirement. This stability is key in uncertain financial times, helping you plan for the future with confidence. Diversifying Your Retirement Portfolio Adding the American Classic MYGA Annuity to your retirement plan can be smart. It adds a fixed-income option to your mix, making your financial security stronger. This can lessen the risk of market ups and downs. Here is the table based on the image you provided. I will also include your primary keyword, “Insurance American Classic MYGA Annuity.” Rates of Insurance American Classic MYGA Annuity Feature 3-Year Plan 5-Year Plan Guarantee Period 3 Years 5 Years Guaranteed Rate 4.60% 4.80% Enhanced Interest Credit 0.45% 0.60% Effective Annual Rate 4.75% 4.92% Single Premium $1,000 minimum, $1M+ for additional review $1,000 minimum, $1M+ for additional review Contract Types Non-qualified; Trusts; IRA – Traditional, Roth & SEP; 401k, 403b as rollovers (no 501c3 or 401a) Same as 3-Year Plan Death Benefit Remaining Account Value (No MVA or Surrender Charge) Same as 3-Year Plan Issue Ages 0–90, renewals up to Age 99 0–90, renewals up to Age 99 Free Withdrawals (Years 2+) 10% of Accumulated Value, Required Minimum Distributions Same as 3-Year Plan Rates of November 2024 Benefits of the American Classic MYGA Annuity The following are some of the advantages that one is likely to achieve when taking an American Life Insurance Classic MYGA Annuity retirement plan. Regular income guarantee It offers a regular income guarantee, which will shield your money from fluctuations in the market. It also increases your money without being subjected to taxes, it therefore creates a smart way that your money can grow. The main boon of this annuity is that it pays a fixed amount in the future which is mainly in the retirement phase. It helps to have a fixed and predictable interest rate from which an organization can anticipate a steady income. This assists you to practice a good lifestyle despite this economy. Fixed interest rate The Insurance American Classic MYGA Annuity has a fixed interest rate. This rate stays the same for the whole contract. It means your investment will always earn a consistent return. The American life insurance classic MYGA interest rates are competitive. This makes it a reliable choice for those wanting guaranteed returns with Myga. Another big plus is its protection from market fluctuations. Your principal is safe, unlike investments in the stock market. This lets you build a steady retirement portfolio without fear of big losses. Tax-deferred growth The tax-deferred growth potential of the American Life Insurance Classic MYGA Annuity is also a key benefit. Yet another benefit that is associated with the American Life Insurance Classic MYGA Annuity is that growth is tax-deferred. This implies that you stand a chance of not paying taxes on your earnings within the first instance. It may also grow faster and save for retirement faster than holding on to the money as it is. This taxation advantage makes tax-deferred growth MYGA annuities attractive. The charts are perfect for any person who desires to expand their retirement nest eggs. The American Life Insurance Classic MYGA Annuity is the best bet for a fixed, safe, and guaranteed financial plan. It has a fixed interest rate, and assured income, and is tax-deductible against its growth. Give it a try and see if it aligns with your retirement goals. Who Should Consider an American Classic MYGA Annuity? For individuals looking for a simple and secure way to manage their money into retirement, Insurance American Classic MYGA Annuity offers the American Classic – a Deferred Annuity with a Multi-Year Rate Guarantee (MYGA). The American Classic provides a low-risk and predictable return that is insulated from economic volatility. Retirement Planning with a Fixed Income Solution The MYGA Annuity known as the American Classic shields your financial future making it one of the best choices for insurance. It just adds up to your retirement planning procedure. It provides a guaranteed steady income and enables pension earners to have some optimal standard of living in their older age. This annuity is associated with a lock guarantee rate, which will be covered in the next chapter. As opposed to others, its interest rate is fixed and is thus not affected by changes in the market. For this reason, it makes it quite ideal for anyone interested in minimizing risk when investing in his retirement. Another advantage of this annuity is the tax-deferred growth to help with
Famous quotes about insurance: Why Insurance Matters (2025)
Have you ever wondered what famous people say about insurance? From practical advice to humorous insights, many well-known figures have shared their thoughts on the value and role of insurance. These Famous quotes about insurance help us see insurance as more than just a policy—it’s a tool for security, peace of mind, and planning for the unexpected. Curious about their take on it? Little about Life Insurance: Do you want to purchase a life insurance policy that would help to secure the future of your family members? Maybe your spouse, your parents, or even your child has been pressuring you to buy the only security that life insurance can offer. Well, you may have heard about it, or even thought of it, but the question that this must raise is; why is life insurance such a big deal? In case you are wondering about the questions such as Why do I need life insurance? Then you should try to imagine those who depend on you. If you got knocked off your horse tomorrow where would your spouse be financially, and where would your children be financially? Could they manage to survive? However, there are some myths related to life insurance and it can be those myths that never allow you to make the purchase. Maybe you have been advised that coverage is expensive or assume that your employer provides you with all the insurance you need or your age is too rich to get a good policy. Why insurance matters in life? As stated by legal critics, life insurance is ‘insurance that pays out a sum of money either on the death of the insured person or after a set period.’ However, that definition is quite generic and does not reveal the actual advantages of this type of insurance. In the end, coverage is so much more than simply a monetary payout when someone dies. It is all about making sure that the family is economically stable even in your absence to be providing that stability. On the tax forms you completed, how many dependents did you claim? All of those dependents are there because they depend on your source of income. Your dependents, wife, and children in most cases will struggle financially due to the unavailability of your income. However, you still need to think over other aspects that relate to the place where your contribution is seen beyond your wage. For instance, can your spouse be in a position to manage the extra cost of looking for a babysitter in case you are not around to monitor your children? These are the issues you should reflect on when you are making your life insurance purchases. After all, life insurance is not about you; it is for your loved ones. Let me bring into perspective the financial gaps that would result after your demise with the coverage required to fill those gaps. Life cover is important if you are: Some reasons for taking out life cover: What Famous People Say About Insurance? Insurance may not be the most exciting topic, but some of the world’s wise personalities have brought light to it in a special manner. Experts such as Tesla and SpaceX founder Elon Musk, founding father Benjamin Franklin, and financial expert Suze Orman have provided their opinions on insurance in terms of its function in managing risk and the future. Why insurance can be complicated? Insurance can feel complex, but why? First, insurance has unique words such as “deductible” and “rider,” which one might not understand easily. Second, it is only natural that there are numerous options, and each policy offers a different set of options which can confuse a buyer. It is also important to understand that costs differ: depending on some factors (for instance, age or geographical location), premiums can turn out to be higher. However, the claims process takes time and requires lots of paperwork and this is a stress factor. Using questions, reading thoroughly, and talking to the agent can clear things up and leave you feeling more comfortable with the choice. Famous quotes about insurance “Don’t sell life insurance. Sell what life insurance can do.” Ben Feldman “Life Insurance is the only tool that takes pennies and guarantees dollars.” Ben Feldman “A policy of life insurance is the cheapest and safest mode of making a certain provision for one’s family.” Benjamin Franklin “If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.” Suze Orman Motivation And Insurance Agent Sales Quotes By Insurance “Sales are contingent upon the attitude of the salesman, not the attitude of the prospect” William Clement Stone “Success is not the key to happiness. Happiness is the key to success. If you love what you are doing, you will be successful.” Albert Schweitzer “Pretend that every single person you meet has a sign around his or her neck that says, ‘Make me feel important.’ Not only will you succeed in sales, you will succeed in life.” Mary Kay Ash Motivational quotes for insurance agents “Success is not final, failure is not fatal: It is the courage to continue those counts” Winston Churchill “In the middle of difficulty lies opportunity” Albert Einstein “Don’t watch the clock; do what it does. Keep going” Sam Levenson “The only person you are destined to become is the person you decide to be.” Ralph Waldo Emerson “Find something you love to do so much, you can’t wait for the sun to rise to do it all over again” Chris Gardner (The Pursuit of Happyness) Conclusion Famous quotes about insurance tell us why it is important to plan for the future. Benjamin Franklin’s practical view on how to protect family or Elon Musk’s advice on how to choose the right provider is insights that explain one thing – it’s always better to be prepared. How relatable is it to be reminded that even the big people in society agree that a backup option is
What to take to a funeral: Thoughtful Suggestions to care
Wondering what to bring to a funeral to show respect and support? Attending a funeral can be challenging, and knowing What to take to a funeral can help you feel more prepared. From thoughtful cards to small tokens of sympathy, the right items can convey your care and compassion. Learn all about What to Bring To A Funeral and What Not To Bring. Let’s start: What are you supposed to bring to a funeral? While not required, it is customary to bring things like gifts to a funeral or memorial service. The items that you can bring to the person are either things that remind you of the person (such as a card or flowers showing intention to sympathize with the family) or things that can be of help with the family during times like this bringing money or meals. Of course, if you are a close relative, you might be the one who would be responsible for the items such as the picture of the individual or the guestbook. For the other visitors who are just coming for the service, one may be wondering what to carry to the funeral. Especially when people in the present day are arranging some virtual wake keeping for their dead relatives, this may raise even more queries as to what kind of a gift is appropriate to offer at this time. If you do decide to bring something, you can keep on reading below and learn more about What to take to a funeral and what gifts are appropriate when attending this sad event. So, What to take to a funeral Reception or Memorial Service? Thus, though you may have been to other funerals before, you may have probably found yourself asking – What do you take with you to a funeral? Every family might have different demands, spiritual concerns, or cultures that dictate what they may expect from a guest or what might be expected out of them. Therefore, let me give you a list of some ideas of What to take to a funeral: What flowers to take to a funeral? There is always confusion about what kind of flower to take when attending a funeral. Still, flowers are one of the most used gifts that people will bring to funerals or any memorial services, so if you are unsure What is an appropriate gift for a funeral? Moreover, now there are so many beautiful things that can be done with funeral flowers after the funeral is over and, therefore, it is not something that will be discarded right away. The simplistic and timeless beauty of flowers shows your sympathy and emotion during this tough time, making them a great symbol of your condolences. Even still, there are some general rules about what types of flowers are respectful to bring in remembrance of someone. Modest arrangements in subdued or pastel tones are best, as you don’t want to draw too much attention to your gift that takes away from the service itself. Lilies, carnations, and roses are all traditional sympathy flowers, so make sure to request these from your florist with enough time to bring them to the family before the service. Other Ideas (Instead of Flowers) If you do not feel comfortable with the choice of the flower to take to a funeral, then it is good to be informed that there are so many other things that you can take or do to honor the deceased. There are many other ways to pay tribute to the deceased, but to be on the safe side one should listen to the families as they try to meet their needs during these times. Oftentimes on the funeral announcement, you will notice a request “instead of flowers” like to make a charitable donation, funds to cover the funeral service, or several other requests directly made by the family. Should I Bring a Sympathy Card to a Funeral Reception? Sympathy cards would be helpful so that you could write what you wanted to say and it could be read by the family at a later date which is more convenient for them. The service is such that everyone is on an emotional level and perhaps they may not have the time or energy to exchange words with each guest and listen to their sincere words. Having a sympathy card is one of the simplest things since it allows the family to know how much the deceased was loved and how much support will still be received even after the funeral. What About Photos? Framed vs Scrapbook vs Flash Drive While not one of the more common things to bring to a funeral service, families may appreciate it if you have unseen photos of the person they can see. If you have one special photo, it could be meaningful to find a nice frame to bring and display at the service if requested. If you have many photos, you might devote some time to creating a scrapbook that one can glance through at the service and in the years to come. Remember that if you have some photos you would like to have just for you, then it is better to make copies of these photos before giving them to several family members. Or perhaps the photos can be saved in a flash drive so they can retrieve them if they need to upload them later. Food & Drink Taking food to the funeral might be appropriate in almost all cultures; however, it is wise to check with the event’s coordinators to see the plans for the meals. It can be great if you come with a dish not necessarily to the funeral but to the home of the mourning family during the days leading up to the funeral or immediately following it can be a helpful act as it takes one thing off their plate during a sad time. Taking a meal to the family helps to ease the burden that they have. Further,
How to Access Free Cremation for Low-Income Families?
Options for Free cremation for low-income families help to ease the costs of saying goodbye to loved ones. For many, paying for funeral services can be hard, so knowing there are free options can bring comfort. But who qualifies, and how can families find these services? Let’s learn all about it. How to Get Free Cremation for Low-Income Families? Many families struggle to pay for funerals. Often, death and the resulting funeral end up as an unexpected event. Even if a family mentally prepares for the death of a loved one, few ever save up for the expense of a funeral. If you find yourself needing an inexpensive option for your loved one, you can get a Free cremation for low-income. 1. Donate your loved one’s body to science What do you get as payment when you donate your loved one’s body to science? Free cremation for low-income bodies. Another common misunderstanding when signing up for whole body donation is that they never get their loved one’s remains back. One can decide to donate one’s body to science in one specific manner, using the following methods. Each method provides cremation as part of the package. You can donate your body to: Several nonprofit organizations will help facilitate whole-body donations. When you choose to donate your body to science, organizations will generally cover: When donating, it could take anywhere from four weeks to 15 months to receive the cremains of your loved one. Many programs try to give you a target range of when you can expect your loved one’s remains. However, you won’t get an exact timeline. If you plan a memorial and want your loved one’s remains present, you might end up waiting a while before you can schedule the memorial. All programs require the donor’s consent and signature while alive. If you or your loved one want a whole-body donation, register and sign paperwork to make it legal after you die. Inform the next of kin of end-of-life wishes, as they will be contacted for permission when the time comes for donation to occur. Even if a person registers, nobody can guarantee acceptance at the time of death due to strict regulations in place that govern whether a body gets accepted for scientific purposes. People who have the following diseases may not qualify to donate their bodies to science: 2. Set up a fundraiser If you or your loved one don’t prefer a whole-body donation, consider setting up a fundraiser instead. A fundraiser offers an excellent way to get a whole community of friends, family members, and acquaintances involved. You can set up a fundraiser on many different websites but one website specifically collects funds for end-of-life expenses. If you’d rather fundraise on a more public platform, you can set up simple fundraisers on Facebook and GoFundMe so people can give toward expenses without setting up accounts or downloading apps. Quick Tips for Getting a Cheap Cremation if You Don’t Qualify for a Free cremation for low-income You might not get a Free cremation for low-income people. You might want to consider all the ways you can cut down on costs. By using the tips and tricks listed here, you can get a very inexpensive cremation for yourself or a loved one. Decide on direct cremation. When it comes to cremation and services offered involving the deceased body for the benefit of the family, direct cremation is the least costly. Direct cremation is when a body moves immediately to the crematorium whenever the individual dies. In this end-of-life arrangement, there is no viewing or funeral. A family member is required to take the cremains and decide whether they will place them in an urn or spread their ashes. The complete price for direct cremation is about $2000. Average costs vary from state to state so if you are in a certain state, this is high or a little low depending on where you are. Obviously, expenses associated with cremation and funeral services but you also need an urn for ashes. As you will soon learn, you might not spend much on an urn. Select a free or low-cost urn. While funeral homes may offer and encourage you to purchase expensive and ornate urns, it is important to note that urns can be made from virtually any material. Many containers work exceptionally well as free urns. Here are a few options to consider. Apply to charities for help. Some charities help with funeral costs. These charities can help cover expenses related to cremation, including the process of cremation and the cost of an urn. Charities for people in numerous categories who need assistance including: Even if your loved one doesn’t fit any of the above categories, you can still request help through charities that help supplement funds for those on a limited income. It could also help to check with local religious organizations to see if you can gain assistance that way. Choose services with a new crematorium. Did a new crematorium in your area just open for business? New crematories will often spend a few months focused on attracting business, referrals, and reviews to grow their business. How much do cremations usually cost? Funeral cremations range from $2000 to $4000 depending on where you live and the funeral home in question. Yet, the expenses of the cremation services might differ depending on the choice of the specific company and some other options like whether families want to have an open casket or not, or if more services are included in the price. If you are searching for the lowest-cost cremation service but do not mind employing the services of a funeral home or cremation service, you should be on the lookout for what is referred to as a direct cremation. They can cost as little as $600 although the cost varies with the region, and do not include a visitation or other services. Additional Tips for Reducing Cremation Costs Tip 1: Consider direct cremation Unfortunately, if you
How do I cancel my platinum life policy? | Step-by-Step Guide
Canceling life insurance, such as Platinum Life, can be a hassle. You might want to save money, you are thinking of switching companies, or you no longer need life insurance. It is not relevant because knowing how to cancel your Platinum Life insurance policy is crucial in making the right decision for yourself. This guide will walk you through step-by-step steps of how you can cancel your policy for an effective outcome without any extra charges or lapses in coverage. Knowing you have options to cancel, whether online, through customer service, or even formal letter can sometimes determine best best-suited methods for you to start with. Additionally knowing the possible effects and refund policies should the situation arise can ease the transition process. Reasons for Canceling a Platinum Life Policy Well, there are some very valid reasons why one would want to cancel Platinum Life insurance. If you understand the reason, then you can decide whether to cancel it or not. All these are valid reasons to cancel; however, do check through the Platinum Life refund policy on cancellation to see if there is some refund that you can get back or in case of some cancellation fees. Notably, it means that ceasing your life cover insurance policy may leave a gap in your plan for the family. Step-by-Step Guide on How to Cancel a Platinum Life Policy Canceling your Platinum Life insurance policy can be done in a few simple steps. Whether you prefer handling it online, over the phone, or through a cancellation form, here’s how to get it done: Step 1: Contact Platinum Life Customer Service The first thing you need to do is get in touch with Platinum Life’s customer service. You can contact them through: Step 2: Submit a Cancellation Request Platinum Life may require you to submit a formal cancellation request. This can be done through their website or by sending a written request: Step 3: Confirm Cancellation and Refund Details After that, make sure you get confirmation on the processing of your request. It should contain the date that officially the coverage ends and anything that has to do with refund policies that you may be eligible for (if applicable). Do not forget to keep the confirmation for reference purposes later. Step 4: Watch for Any Fees or Penalties Based on your policy conditions, you may have to pay some extra charges if you want to cancel it early. You should ask the company specifically if there are cancellation fees or if they return a portion of the premium, in case it has already been paid in advance. Canceling Platinum Life Policy Online or Over the Phone Cancelling your Platinum Life insurance policy is quite hassle-free. When you want to cancel, you can do this online or speak with someone directly, and here’s how: Canceling Online Canceling your policy online is often the quickest way to get it done. Here’s how: Canceling Over the Phone If you prefer talking to someone, calling Platinum Life’s customer service might be the best choice. Here’s how: Advantages of Each Method No matter which method you choose, ensure you keep a record of your cancellation request and any confirmations you receive. This will help protect you from any misunderstandings in the future. Key Considerations Before Canceling Before you proceed with canceling your Platinum Life insurance policy, it’s essential to consider a few important factors. Understanding these can help you avoid pitfalls and make an informed decision. Impact on Coverage Canceling your life insurance will mean that you are losing the coverage. That means that in case of any unfortunate event after cancellation, your beneficiaries will not receive a penny. It will also be wise to seek other options for their coverage before canceling. Surrender Fees Some may carry surrender fees, especially if you are to cancel before a certain period. These cut into any refund that would be collected. Examine your documents or seek information from a customer service representative to determine if any charges are attached. Refund Process If you have paid in advance premiums, you’re eligible for a refund. This refund depends on the policy and how long you have had it. Therefore, ask about the Platinum Life cancellation refund policy so you know exactly what to expect. Alternatives to Cancellation Before you decide to cancel, consider if there are alternatives that might better suit your needs: FAQs Conclusion Canceling your Platinum Life insurance policy is a big decision. Before proceeding, contact customer service, submit your cancellation request, and check for any fees or refunds. Always consider the implications of losing coverage and explore your options carefully.
Freedom Life Insurance: Flexible Coverage for Your Needs
Freedom Life Insurance is a member of the U.S. Health group insurance services family. This review will address the company history, financial ratings, and the positives and negatives of Freedom Life Insurance. Additionally, it will address some specific situations where it may make more sense to go outside the Freedom Life Insurance family of products. The goal is to ensure you get the policy that provides you with the most value. Freedom Life Insurance Company History Founded in 1956 Freedom Life Insurance is a micro insurance carrier. Freedom Life Insurance itself accounts for approximately $61,200,000 a year in US premiums or well less than .01 % of the overall market. The Freedom Life Insurance Company is a subsidiary of US Health Group. USHealth Group is a primary broker of group freedom life health insurance plans. Freedom Life Insurance is one of the health plan distributors. The Freedom Life Insurance sells term life insurance as an add-on product to its health offerings. Freedom Life Insurance also adds on products such as dental and accident insurance. Types of Life Insurance Offered Freedom Life Insurance Co. Co. provides only one sort of life insurance policy. That plan is known as LifeProtector, and it is a 10-year term life insurance plan. This means that the plan only exists for 10 years from the date of the first purchase. If you survive this term, you get an opportunity to renew the policy, but you stand to be charged higher premiums. This specific policy can be renewed right up to the age of 70. This term life insurance policy is easy and cheap. The monthly premium varies between $10, and $50. The actual cost of your premium will vary according to your age, your current state of health, as well as the actual stated value of the policy which is the death benefit amount. This term life insurance policy does not have riders meaning there are no options to adjust your benefits. This also isn’t a surefire way to get a life insurance policy. You will just have to fill in an application and go through it but you can be rejected if the company won’t insure you because you pose too much risk. Although they only have one particular type of life insurance policy, they aren’t the only thing that Freedom Life Insurance has to offer through their parent company, USHealth Group. These incorporate a range of different healthcare options with an emphasis on insurance for serious body complications. As well as discussed earlier USHealth Group provides several kinds of accident insurance and dental and vision insurance. Riders Available Another disadvantage of Freedom Life Insurance’s term life insurance plan is that there are no riders available. Riders are added to your life insurance policy to modify it to suit your needs as a client. This plan, as all the plans offered by Freedom Life Insurance, is very limited and may just be what you and your family require. Unique Features of Freedom Life Insurance It is different from other companies because, unlike many insurance solutions of this kind, Freedom Life Insurance can be easily combined with other insurance types offered by the USHealth Group. Specialty health insurance plans are offered by the USHealth Group inclusive; USHealth Group is also affiliated with United Healthcare which is one of the largest health insurance companies in the United States and which provides more standard health insurance. Exact Choice Health Insurance Broker is an insurance network where you can get nearly all types of health insurance. Below are the options that USHealth Group has for you to combine with your life insurance policy. Some important things to bear in mind are that USHealth Group uses many different underwriters so not all of these policies would necessarily be with Freedom Life. If you require any of these coverages, they can easily be included with your life insurance policy to attract lower rates. Few individuals will require this kind of extra health insurance but those who may need them may help if they fear healthcare complications. Freedom Life insurance pros and cons The term life insurance policy at Freedom Life Insurance is the 10-year renewable term coverage which is affordable. The life insurance policy has no flexibility in the form of riders or additional benefits, however, it can be offered with other products included in the range of USHEALTH Group, such as accident and illness, disability, dental, vision, and health insurance. Pros Freedom Life Insurance 1) Coverage is renewable to age 70: Freedom Life presents a term assurance plan that is issued for 10 years. After 10 years, the policy can be renewed on a year-by-year basis up to the age of 70 depending on when the coverage is no longer required. 2) Easy to understand pricing structure: The base groups provide coverage at $10 per month and additional coverage costs $5 more per month in less than $50. 3) Simple cancellation: In the case of cancellation, you just don’t pay the monthly premium. A term life insurance policy has no cash value, so the policy will simply terminate without the policyholder having to complete a form or call the company. 4) Excellent financial strength: USHEALTH Group Inc. is the parent company of Freedom Life and as part of this group, the company boasts billions in assets; therefore, when it comes to processing claims, the company doesn’t struggle. Disadvantages Of Freedom Life Insurance 1) Only one option available: The only freedom life insurance policy offered is a 10-year term life insurance policy coverage. 2) No riders or benefits available: In the same manner, unlike other life insurance companies, Freedom Life does not include added services, popularly referred to as riders such as the accelerated death benefit. 3) Not available in all states: If you plan to get insurance with Freedom, life insurance is something that they don’t offer in every state. If you are from California, the District of Columbia, Hawaii, Idaho, Massachusetts, Maine, Montana, New Hampshire, New York, New Jersey, North Dakota,
Facts on Can’t pay with life insurance through a credit card
Have you ever wondered if you can pay for life insurance with a credit card? It might seem like a convenient option, but many insurance companies don’t allow it. This can be surprising, especially if you’re used to using your credit card for other bills. Let’s explore Can’t pay with life insurance through a credit card why some life insurance providers don’t accept credit card payments and what alternatives you can consider. What to do Can’t pay with life insurance through a credit card? When it comes to paying for life insurance, you might be surprised to find that in many companies you Can’t pay with life insurance through a credit card. Why is that? One main reason is that insurance companies want to avoid the potential risks and fees associated with credit card transactions. They often prefer direct bank transfers or checks, which can be more straightforward for them to process. You might be wondering how this affects you. If you rely on your credit card for convenience or rewards, it can be frustrating. However, there are still ways to manage your payments easily. Many insurers offer options like automatic bank drafts or online payment portals that let you set up recurring payments. So, while it may seem inconvenient, understanding your payment options can help you stay on top of your life insurance without a hitch. Have you talked to your insurance provider about what payment methods they accept? Do life insurance companies accept credit cards? You might prefer the ease of paying with a credit card, but most insurers don’t allow this method of payment after your first premium. There isn’t just one reason that life insurance companies don’t accept credit cards, though high fees and state regulations are the most commonly cited. Companies that do accept credit cards may not accept them in every state and may add a processing fee to every payment. If you pay premiums monthly, those fees can add up and outweigh the convenience of paying by card. Why don’t life insurance companies accept credit card payments? It varies from life insurance company to life insurance company on whether or not you can pay your premiums with a credit card. There isn’t just one reason that life insurance companies don’t accept credit cards, though high fees and state regulations are the most commonly cited. Companies that do accept credit cards may not accept them in every state and may add a processing fee to every payment. If your insurance companies allow credit card payments, they may add a processing fee. You’ll want to make sure you understand all of your insurance payment options when you first purchase your life insurance policy. What if you can’t pay your life insurance premiums? If you’re unable to pay your life insurance premiums due to job loss, disability, or some other major change in your finances, most policies include a payment grace period of 30 to 31 days after your payment due date. Once that grace period ends, however, your policy will lapse due to nonpayment. To reinstate your coverage, you may be required to go through underwriting again and your premiums may increase if your health or age has changed since you first applied for coverage. Why Insurers Do Not Accept Credit Cards for Premium Payments? Life insurance helps protect your family from potentially devastating financial losses that could result if you die unexpectedly. In exchange for premiums, the insurer promises to pay a death benefit to your family when you pass away. However, your family receives the insurance proceeds only if your policy was active at the time of death. A single missed payment may cause your policy to lapse. If you pass away after your policy has lapsed, the insurer is under no obligation to pay the death benefit. When a credit card is selected as the payment method, the chances of missing a premium payment are high. If your credit card expires before the premium payment is due or if you max out the credit limit, the insurer will not be able to collect the premium, which may eventually lead to a policy lapse. This is the reason why most insurance companies in Canada do not accept credit cards. Why Would I Want to Pay My Insurance with a Credit Card? Paying your insurance premiums with a credit card can offer several advantages: It allows for easy and automated payments, ensuring you never miss a due date. If your credit card offers rewards points, cashback, or other perks, paying your insurance premiums can help you accumulate those benefits. When you’re short on cash, using a credit card provides a temporary solution, allowing you to spread out the payment over time. By consistently paying off your credit card on time after using it for insurance payments, you can improve your credit score over time. A credit card gives you more flexibility to manage your finances, especially if you have unexpected expenses or need to delay a large payment. However, it’s important to note that not all insurers accept credit card payments, and you should also consider potential fees and interest if the balance isn’t paid off in full each month. When do life insurance companies accept credit cards? The chart below reflects how different insurers treat credit card use for term life insurance payments. Company Initial payment Recurring payments Temporary coverage Corebridge Financial Yes* No No Legal & General America Yes* No No Brighthouse No No No Lincoln Financial Yes* No No Mutual of Omaha No No No Pacific Life Yes* No No Protective Yes* No No Prudential No No No Symetra No No No Transamerica Yes* Yes† No Payment alternatives for life insurance policies: Depending on the insurer, you may have a few payment options. The key is choosing what better suits your budget. In terms of costs, the less frequent payment options tend to be the most cost-effective. Needing to cover more payments is generally more expensive overall. What are the
