Funeral insurance: dependents financially relieve

Reimbursement in the event of death

Since 2004, the numbers of health insurance companies in the event of death, no funeral benefit more. Surviving relatives must be since the financing of the funeral is completely self make sure. In addition to the personal loss of a loved one, many survivors are so often faced with the question of how a dignified funeral financially. As in Germany, a Bestattungspflicht is, however, it is not possible that at a funeral costs to work. To members of this financial burden is not on them to have more and more people opt for the conclusion of an insurance death benefit, the death benefit and pays the cost of burial and other expenses shall be borne. Even people without dependents can use the insurance death benefit insurance to a funeral according to your wishes to get.

Funeral insurance, without having to wait to find

With a funeral insurance is usually to have an endowment policy with a lower sum insured. Originally, this kind of insurance is frequently used by so-called Sterbekassen offered, while today in many large insurance companies have an insurance death benefit can complete. The amount of the contributions is based primarily on the age of the policyholder. The sooner the insurance, the cheaper by the long duration and the low mortality of the contributions. While regular life insurance policies often have a medical examination takes place, is at the conclusion of a funeral insurance usually waived, as the expenditure for the study in Relation to the low sum insured would be too high. For most insurance policies are contractual waiting period of three years. Occurs within the waiting period of death, get the family often only the premiums paid will be refunded. There are, however, also offers insurance without a waiting period. A funeral insurance without waiting period is desired, it is worth comparing different insurance quotes to get the most beneficial insurance policy to filter out. Most of the posts up to 85. or 65. Year paid, but there are also insurance policies with a term of 25 years or a lifetime to be paid. In the following the contributions run the insurance until completion of the 100. Age of the policyholder. In the event of death of the Insured only after his 100. Birthday, he gets the sum insured on 100. Birthday paid.

Funeral insurance: comparison is worth it

In Sozialhilfebedürftigkeit of the Insured Sterbegeldversicherungen in contrast to life insurance, which, in Survival to be paid, not as disposable income is considered, and thus not on the social welfare entitlements. Was the insurance death benefit prior to the occurrence of the Sozialhilfebedürftigkeit completed, ongoing contributions, as increased demand will be counted. As in the contributions, especially in the beginning, large amounts of money are included, the risk coverage, pays a conclusion of an insurance death benefit, especially for younger people, because in case of a late completion is often much more to be paid must, as ultimately it will be paid. Not only, therefore, be Sterbegeldversicherungen often criticized. It is, rather, an independent Investment recommended instead of the insurance death benefit. The comparison of different insurance companies, and other investment opportunities should be in the run-up thoroughly made to be.