Estimate the cost of your funeral insurance

At the time of take out funeral insurance, you you interrogez on the prix of your contrat! Before answering this question, it is necessary to raise the main objectives of a solution of forecasting and importance of the size of the guaranteed capital.

  • Preserve your family financially. The so-called “capital” funeral contract allows the financing of a guaranteed capital exclusively for the payment of funeral expenses.
  • Preserve your family from a financial and organizational burden. The so-called “benefits” funeral contract defines the funeral services to be implemented at the time of death (this is the quote for funeral services) and the financing of a guaranteed capital to open funeral expenses.
  • Respect your funeral choices and wishes. This is possible with both types of funeral contract.

It’s pouring protect your loved ones, you must define a guaranteed capital and the organization of funerals, transmit your funeral wishes. This approach will then allow it to be helped by the design of obsèques benefits and the provision of capital adapted for the funeral prize.

Funeral contract: the amount of guaranteed capital

Funeral wishes, and therefore the choice of services to be implemented by the funeral home, inevitably affect the amount of guaranteed capital. By estimating funeral expenses, you can then accurately define the amount of capital to be secured. Also, it is recommended to request a quote for funeral services. ROC ECLERC advisors support you in this regard. Namely, the quote for funeral benefits is free and without obligation.

Once you have determined the amount of guaranteed capital, you can choose how to finance it:

  • Single payment: a single contribution is sufficient to finance the guaranteed capital.
  • Periodic payment: monthly or annual contributions for a pre-defined period.
  • Lifetime payment: lifetime contributions. This method of financing is not recommended because, in the end, the amount paid may be higher than the capital guaranteed under the contract. Therefore, ROC ECLERC does not offer payment in life contributions.

Learn more about ROC ECLERC PRÉVOYANCE and its funeral insurance contracts.

Where to take out funeral insurance?

As we have seen, underwriting a funeral insurance allows you to organize and to finance his funeral during his lifetime. The benefit funeral contract consists of a precise and detailed description of the funeral services (and the general conditions of sale) and a guaranteed capital adapted to the cost of the defined funeral. Also, your local funeral home is best able to accompany you and advise you on your journey. Your advisor is the only one who can estimate the exact cost of future funerals and the amount of guaranteed capital required.

A well-known funeral brand, ROC ECLERC has been assisting families in organizing the funeral of their deceased for more than 35 years. Professionals answer the questions obtained. They will guide you in subscribing to one funeral contract tailored to the wishes and needs of each (benefit funeral contract or capital funeral contract). Feel free to ask them for any information or request for a funeral contract quote.

Understand the difference between funeral insurance and death insurance

Be careful not to confuse the terms “funeral insurance” with “death insurance”.

Funeral insurance is one pension plan solution dedicated exclusively to the payment of funeral expenses. Its purpose is the advance financing of a guaranteed capital and, ideally, the organization of the funeral (the modalities and funeral services). With this type of contract, the funeral benefit estimate is implemented and the wishes are respected regardless of the date of death.

Death insurance can be used at the discretion of the designated beneficiaries: to finance a particular project (purchase of a house or a car…), to pay for living expenses (children’s education, gold rent real estate loan…). This forecast solution is generally a time-limited contract, not the main goal is to maintain the standard of living through a capital or rent version (education rent, for example).

It’s pouring anticipate the subject of your funeral During your lifetime, it is recommended that you take out a funeral insurance policy. It is a step of taking care of yourself and being kind to your family.

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