No one likes to think about dying but if you don't want to stick your family with a big expense when you leave this world, it's important to make arrangements. The average funeral costs can range from about $7,000 to $15,000, depending on where you live; and those costs are only going to increase each year. 
If you were to pass away suddenly without life insurance or other arrangements to cover those costs, your family will be left to foot the bill. In addition to trying cope with a sudden loss, they will have to figure out how to pay for it. Many people don't have thousands to spare and are forced to put these costs on a credit card or multiple credit cards. With interest expenses, they could end up spending even more in the long run.
Fortunately, with a little preparation and a life insurance plan, you can help ease both the financial and emotional burden on your loved ones. Life insurance can be used to pay for funeral and burial costs, unpaid medical bills or to help defray the travel costs associated with bringing family and friends in for the services. Be sure to inform the person you've selected to be the beneficiary of the life insurance plan so when the time comes, they will know what to do.
You will also want to ask your independent insurance agent how quickly your family will receive life insurance benefits. Many insurance companies will be able to cut a check within days of receiving the claim form and death certificate. Some plans can even be assigned directly to the funeral home so your family won't have to handle the paper work at such an emotional time.
There are many different types of life insurance policies available. The best way to determine which one is appropriate for your specific needs is to speak with an agent.
Get the coverage you need. Call The DeLuca Agency for more information on life insurance.